David Harper is the founder of the Money Matters Network; he is a financial economist and a registered investment adviser.  He started in the financial industry 19 years ago.

David has worked with people from a wide variety of financial backgrounds, doing Estate Planning for large estates, retirement planning for a wide variety of clients, business planning and business succession planning, becoming your own banker, planning and a host of other "economic" techniques with a wide range of client backgrounds.

David has found that no matter the back ground the overwhelming cause of financial problems is "financial illiteracy". Utilizing the science of economics which is based on safety David has tried to increase the "financial literacy" of everyone he comes in contact with.

Think about the following quote, "If the majority were right, the majority would be wealthy" however, this is not true and in fact based on the statistic that out of 100 people in the same age group, at age 65 only 5 are financially solvent. If the majority were right that should be 95% not 5%, the process that the majority is following is a failed system.

By utilizing economics David seeks to change the thought process of everyone he meets with, and show them that there is a better way, and it does not mean you have to take crazy risk, in fact most economic concepts are based on safety. The process David uses in working with clients, is much like a Doctor. David does what he calls his "FEC", "financial economic checkup" or many people call it the "Financial MRI".

What this consists of is putting the clients economic information into an economic model, which amazingly enough, is all on one page. David says that "traditional financial planning" would put together a 200 page book, and then sell you products that their companies want the representatives to sell.

With David's economic model, whether your worth $10,000 or $100,000,000 all your information goes on one page, in the economic model. And it's amazing that with that simple process the model instantly reveals strengths and weakness's that need to be corrected and then David can make specific recommendations based on each clients individual economic situation.

The other thing David emphasizes is that this process is fun and informative, one thing David cautions however, that if you are not willing to submit to the "FEC", "Financial MRI" he can do nothing for you, that is the first step in the process and necessary before any recommendations or information on a wide array of "safe money products" can take place.

The economic model David uses consists of 3 components, each compensate containing 9 filing cabinet drawers, the three main components are, "protection", "savings" and "growth". Some of the economic solutions may include:

• How to spend without the fear of running out. Accumulation versus Utilization.
• Asset protection utilizing "Sacred Money Concepts" (money that can have good returns, but can never go down, ie no risk)
• Becoming your own Banker, the "Infinite Banking Concept"
• Asset Laddering
• Business succession planning
• Estate Planning (utilizing a little known concept of "premium financing"
• How to maximize growth without all the "fees" everyone else is charging.
  

David Harper's Interactive Internet Radio Show "Money Matters Network" on Real Coaching Radio, is on every Monday, at 2:30 PM Mountain, 1:30 PM Pacific, 3:30 PM Central, 4:30 PM Eastern. You are invited to come and interact on the economy and why the world needs to increase its "Financial Literacy" because of the crazy happenings going on around the world. Come and listen in and join in if you find the topics interesting.