Author: AlexLerma

Work hard. Save money. Retire. That’s the American dream, right? You take your hard-earned money, invest it over time, and watch it grow. But like so many things, it’s easier said than done. Or is […]

I’ve seen the hype happen. It happened right before the last downturn in 2007-08. I see so many people getting worked up in the rise of the market right now because everybody’s doing real estate. […]

Here’s the problem. You hear about all sorts of opportunities out there, but you just don’t know where to begin. Our book, The Ultimate Freedom Prescription, is all about where to start.     This […]

It’s amazing that so many people have already forgotten about the 2008-10 financial crisis. It’s 2017, some 8 years later, and we have the media pundits, the political pundits, the federal reserve, and the mainstream […]

You don’t know what you don’t know. I learned this the hard way in 2008. Sometimes it takes things falling apart to shake you up and get you moving in the right direction. I needed […]

It’s a question that I get a lot. It’s a personal question, though; you have to make your own considerations. I’m not here to give you legal or tax advice. But here’s what I know […]

I’m Dr. Phil. This book was co-written by 14 healthcare professionals, 13 dentists and myself, a veterinary surgeon. (My co-authors call me the “black sheep” of the book project… but hey, I like sheep).   […]

Simply put: A financial Pro Forma is a list of financial projections. Projections based on a specific asset (in this case, we’re talking about real estate), and based on certain numbers: expenses, rents, gross income. […]

  “Can I really reach Freedom in 5-7 years?” Fair question. The first step to answer is to define Freedom. For some, Freedom means lying in the warm sun on a tropical beach… without a […]