Services
Freedom from Debt, Confidence for Life
- 90% of Americans have some sort of debt, especially people ages 30 to 59 who have kids.
- Total U.S. household debt reached $18.2 trillion in 2025, setting a new record, and is up $4.6 trillion since 2019. This includes:
- $12.80 trillion in mortgage debt
- $1.64 trillion in auto loans
- $1.63 trillion in student loans
- $1.18 trillion in credit card balances
- Source (American Household Debt: Statistics and Demographics)
- 78% of Americans would face financial hardship if their paycheck were delayed by just one week. This reflects a 6% rise from 72% in 2022, indicating a growing number of people are living paycheck to paycheck. (source: Survey Reveals Six Percent Increase in Americans Living Paycheck to Paycheck in Just One Year)
- Financial stress is a major factor in divorce, with 36.7% of individuals citing it directly and at least one partner in 55.6% of couples identifying it as a key contributor. (source: Reasons for Divorce and Recollections of Premarital Intervention: Implications for Improving Relationship Education - PMC)
We want you free! Forward Financial Group produces a written plan for people to be out of debt in five to seven years, including their mortgage, usually without changing their current income. We’ve found that 4 out of 5 households can be free from this bondage in five to seven years with some strategy changes. Imagine being free to dream again and no longer limited by your debt.
Plan for Retirement
How much do I really need?
Over the years, evaluating different retirement financial strategies has been complicated by uncertain economic conditions and all-time low interest rates. It’s likely that you’ve been forced to alter your retirement plans or make changes to the way you live your current retirement because of the declining value of your portfolio.
Let our team of Associates assist you in developing a strategy to safeguard your investments, build wealth, and reach your financial goals and objectives without the risk of market volatility. You work hard for your money, let us show you how to safely make your money work harder for you.
Forward Financial Group can assist with the various retirement account types, including: Traditional IRA, Roth IRA, SEP IRA, Inherited Traditional or Roth IRAs, TSA/403(b), and Non-Qualified retirement money.