The Terrio Group

Our philosophy

The 8 Elements of Financial Control.

I built this framework so every part of your finances works with the others. Every plan we build runs on it.

Where it started

It starts with a conversation.

We call the first meeting an inspiration conversation, and it feels more like getting to know someone than an assessment. You don’t bring statements. You bring your goals, your worries, and your questions. I built the 8 Elements out of those conversations: eight elements, each with a job, all of them checked against one another.

The 8 Elements of Financial Control

The eight elements.

Fix one part of your money in isolation and you can quietly break another. I built the 8 Elements of Financial Control so that never happens. Follow the arrows: each element feeds the next, and the last one leads back to the first. We revisit all eight as your life changes.

The 8 Elements of Financial Control, Mike Terrio's figure-eight chart. Following the arrows: 1, Income Optimization; 2, Emergency Builder; 3, Revenue Replacer; 4, Asset Builder; 5, Legacy Enhancer; 6, Legacy Defender; 7, Dynasty Creator; 8, Tax Planner; then back to Income Optimization.

Element 1 of 8 · Phase One

Income Optimization

Income is the foundation of a financial plan. This element is designed to help make sure you’re taking income in the most tax-efficient way, and that you have enough guaranteed income sources to bring certainty to your financial life. Predictable income is what lets you be spontaneous about the things you enjoy and live the retirement you pictured.

Phase One: What you have, how it works, and how it affects you

Phase One

Phase Two

How we work

Evaluate. Investigate. Educate. Activate.

Four steps, and you’re in control of every one. Nothing gets recommended until we know you, and nothing happens until you understand it.

  1. 01

    Evaluate

    Your first meeting is about you, so leave your statements at home. We get to know you first, and you decide whether we’re the right fit.

  2. 02

    Investigate

    Then we look at your numbers: what you own, what each piece is doing, and where the gaps are.

  3. 03

    Educate

    When we do make a recommendation, we explain it in plain English, so you know exactly what it does before you act on it.

  4. 04

    Activate

    We put the plan to work and stay on it with you, adjusting as your life and the economy change.

Watch

Watch me on WPBF 25.

In this segment, I walk through the financial scams that target veterans. More of my TV segments are on the video page.

Watch more segments

What it feels like

Small firm. Real relationships.

We’re a boutique firm with two local offices. You meet with us face to face every quarter, get a plain-English explanation of every recommendation, and see your whole picture in one secure portal between meetings.

The process is the same for everyone. Your plan never is.

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Your next step

Which of your eight needs attention first?

One conversation is enough to find out. Tell us where you are today, and we’ll show you which elements to start with and why. The conversation is complimentary.

Book Your First ConversationCall 772-807-4628
  • Port St. Lucie
  • Stuart
  • Mon to Fri, 8:30 AM to 4:30 PM