I have come to believe that one can make great strides in building wealth by minimizing losses rather than searching for greater returns. To accomplish that, I use a process of listening and gathering information to learn what my clients are currently doing to save for their futures. We talk about how they are paying for their house, how they are saving for retirement, taxes the currently pay, how they will pay for post high school education, and how they make major purchases such as automobiles. The objective is to search for places where money is being transferred to others unknowingly and unnecessarily. If found, we then talk about whether that client wants to improve his/her lifestyle, or use it to accumulate for future needs.