Get Me to Zero is a refreshing look back at some time tested money concepts that many have forgotten all about, but were staples of the American way of life for decades. Enjoy this look at how to get to Zero Debt, Zero Risk with your draw-down assets, and Zero (or as close as possible) taxes! Get Me To Zero teaches the fundamentals to reach FREEtirement. With a ZERO lifestyle, you owe no one. You pay no income taxes in retirement, or very little, and you don't need or want unnecessary risk with your money.
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Phil Gallant started his career over 43 years ago by going door to door collecting premiums and writing new policies for John Hancock in the tiny town of Uxbridge Massachusetts which is about 47 miles west of Boston. Young and full of ambition, he learned that he needed to expand his knowledge to learn how to help clients with more complex money issues. But he never forgot the special relationships he developed with his "customers" back then. The feeling of building relationships with people who just wanted to do the right thing for themselves, and their families is what drew Phil deeper into the financial services business. "I've never been in it for the money", Phil says, "I've always been in it for the people I've met and the friends I've made." Get Me to Zero is the result of hundreds of client conversations as well as observations about money that Phil has gained over a long career that he says is far from over. "I want to die in the saddle some day, just not someday soon!" he says with a chuckle. What he has found is that the happiest, most contented, most worry free clients he has had over the years, be they wealthy in terms of assets, or just living a simple life are those who no longer worry about Debt, Risk and Taxes. Phil is married to his best friend Michelle and lives in Saratoga County, New York.
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