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Your financial journey consists of two critical phases, accumulation, and distribution. Our process can help you at whatever point you find yourself in this journey. We begin by taking a 360-degree look at your current cash flow and savings and discuss the pros and cons of each.  Our goal is to help you maintain your lifestyle now and in the future by helping you to reduce or eliminate wealth transfers. We do this by taking a look at how you buy, how you save, and what you can expect in return and help you bring dollars you were giving away back to the table to reuse in the future.


We can help: 

  • Reduce debt

  • Maximize cash flow

  • Mitigate tax liability

  • Decide the best way to pay for capital purchases such as cars, college, homes, etc.

  • Reduce risk

  • Protect your income now and in the future, your “human life value”


We can help: 

  • Maximize tax-free retirement income

  • Create more retirement income that you cannot outlive

  • Plan for unexpected events 

  • Maximize Social Security income

  • Reduce required minimum distributions

  • Create a legacy for your family

Our approach to financial planning is unique. We take a 360-degree look at your finances and help identify areas you may be unnecessarily, even unknowingly, transferring money away. By coordinating and integrating your cash flow with the financial accounts you own, we can uncover opportunities to build greater wealth and stability. We can teach you how to do this without taking additional risk and without making changes to your lifestyle.

We believe there are greater opportunities helping our clients avoid losses than by chasing rates of return.


de  sign

/də ' zīn/

1 : to create, fashion, execute, or construct according to plan

2  a: to conceive and plan out in the mind

b: to have as a purpose

c: to devise for a specific function

Our goal is to design a strategy that is specific to you and your needs. The DESIGN Process is unique to Gina Wells + Cat Toone of Financial Design Strategies.  Each step is designed to help our clients build upon what they already have as we lay a foundation of knowledge and trust. 





2415 Owen Rd, Suite A

Fenton, MI 48430


Tel: 810 579 5808



Investment Advisory Services offered through Retirement Wealth Advisors, LLC (RWA) an SEC Registered Investment Advisor. Financial Design Strategies, DBA Partners for Prosperity and Gina C Wells Financial Services, are not affiliated with RWA. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Financial Design Strategies and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer, in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, LLC. Million Dollar Round Table (“MDRT”) is a membership organization. Qualifying criteria for membership includes attaining specified levels of commissions earned, premiums paid or income earned on the sale of insurance and other financial products. MDRT membership requirements include the payment of annual dues, compliance with ethical standards, and maintaining good standing with an MDRT-approved professional association. The MDRT logo and/or trademarks are property of their respective owners and no endorsement of Gina Wells or Advanced Capital Group is stated or implied. MDRT and Retirement Wealth Advisors, LLC (RWA) are not affiliated.

For the detailed requirements of MDRT, please visit: