At Root Assets PLC, we've dedicated our practice to empowering individuals and families to achieve true financial independence without the need for drastic lifestyle changes or unnecessary risks. As trusted financial advisors based in the southwest, with a nationwide reach, we specialize in uncovering money that our clients are losing unknowingly and unnecessarily—often through hidden wealth transfers like excessive taxes, inefficient mortgages, or overlooked opportunity costs. Our approach is rooted in education, transparency, and personalized strategies that put you in control of your financial future. That's why we're thrilled to kick off this blog series by introducing the Personal Economic Model (PEM), a groundbreaking tool invented by Moneytrax and integrated into our holistic advisory services as part of the Circle of Wealth® system.

In an era where financial planning can feel overwhelming—bombarded by market volatility, tax code complexities, and endless investment options—the PEM stands out as a beacon of clarity. Imagine having a single, visual roadmap that illustrates the entire lifecycle of your money: from the moment you earn it, through how it's protected, stored, and spent, all the way to building lasting wealth for generations. That's exactly what the PEM provides. Developed by Don Blanton, the visionary founder of Moneytrax, this model isn't just another spreadsheet or app—it's a dynamic, educational framework designed to make complex financial concepts accessible and actionable.

At its heart, the PEM begins with your "Lifetime Capital Potential," a concept that calculates the total earnings you could generate over your working years. This isn't some abstract number; it's a tangible starting point that we at Root Assets use to help clients visualize their financial "tank" of resources. From there, the model breaks down the flow of money through key components: filters (like taxes that drain your resources), regulators (balancing your current lifestyle desires with future needs), and storage tanks (safe havens for growth versus riskier ventures). We often compare it to a doctor's anatomical chart—just as a physician uses visuals to explain health issues, we use the PEM to demystify where your money is going and why some of it might be slipping away without you realizing it.

Why does the PEM matter so much in today's financial landscape? Traditional advice often pushes for more saving, higher risks, or belt-tightening sacrifices, but that's not our philosophy at Root Assets. We believe in efficiency over austerity. The PEM reveals hidden inefficiencies—those subtle "wealth transfers" to banks, the government, or Wall Street—that erode your potential without adding value to your life. For instance, did you know that the average person loses up to 30-50% of their lifetime earnings to these unnecessary drains? By mapping this out visually, the PEM empowers you to reclaim that money, turning potential losses into opportunities for growth. And the best part? You don't have to cut back on vacations, dining out, or the things that make life enjoyable. Our clients often tell us it's like finding "free money" they've been unknowingly giving away.

As part of our commitment to client education, we incorporate the PEM into every consultation at Root Assets. It's not about selling products; it's about fostering understanding. Through interactive sessions—often using Moneytrax's proprietary software—we customize the model to your unique situation, whether you're a young professional building wealth, a family planning for college and retirement, or a retiree preserving your legacy. This tool has transformed how we advise, shifting the focus from reactive fixes to proactive optimization. In fact, many of our clients discover ways to accelerate debt payoff (like mortgages) by 50-70% faster, all while enhancing their cash flow and security.

In the coming parts of this series, we'll delve deeper: breaking down the PEM's components, exploring how it shields against unseen losses, strategies for recapturing funds, and ultimately, how it delivers a financial windfall on your terms. At Root Assets PLC, we're more than advisors—we're your partners in growing your personal "wealth tree," one branch at a time. If this resonates with you, we invite you to reach out for a complimentary consultation. Let's uncover the hidden potential in your finances together. Book a free consultation or give us a call us at 888-976-7668 to get started.