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Financial Engineering

"As a tax professional, being part of The Difference enable me to provide more tax advantages for my clients, both personal and business". 

-- Amy of Beverly Hills, CA


"I love all our products and services. They are good for my family and business, and of course great for my clients". 

-- Lucy of Diamond Bar, CA


"Seeing people learn the significance of Financial Engineering is very gratifying". 

-- Liz of Redondo Beach, CA


"Having touched the lives of many clients, I now feel fulfilled and elated. The past years has been a wonderful joy ride for me. I never thought I would be able to achieve what I did with The Difference". 

-- Bud of Chicago, IL


"It has been exciting for me to become part of The Difference. I'm able to offer excellent service and a complete package to meet our client's financial needs through our Financial Engineering program. The Difference has changed so many lives."

-- Joni of Laguna Hills, CA 


"I listen to my clients about their plan for themselves and their family. With the financial tools I carry, one thing is certain, I save their hopes and dreams. That gives me the fulfillment of being able to create and protect the wealth of every family". 

-- Ruby of Puente Hills, CA


"It is so fulfilling to be able to help and make a difference in the financial lives of thousands of people. The rewards of doing this business are great as well... great income with the freedom to enjoy your own time". 

-- Ida of Glendale, CA


"If you want a great business you can be proud of, join The Difference. It's different at The Difference". 

-- Thelma of Las Vegas, NV


"I am proud to be a part of The Difference. Everyone is supportive. No one hesitates to reach out to anyone for assistance." 

-- Lina of West Covina, CA 


"We are uniquely positioned to help people achieve financial independence through goal protection, cash flow enhancement, and wealth accumulation". 

-- Dan of Las Vegas, NV 

Protect Your Dreams

It takes time and hard work to realize dreams. In the process, unforeseen events happen. And yet, you need to achieve your dream goal no matter what. So, you need to protect it.

Let us review your needs and will provide you with suitable solutions.

  Enhance Your Net Cash Flow

You net cash flow is your income minus your expenses. If you are spending more than you make, you are in deep trouble. If you want to get ahead and achieve your goals, you must have money left over to apply towards your goals. To enhance your net cash flow, you must maximize your income while you minimize your expenses.

You must have heard the saying "It's not what you make that counts, it is what you keep". Also, you may agree that the pain of discipline now is a lot better than the pain of regret later.

We'll show you an array of income solutions and money saving options to raise your net cash flow.

Build Your Desired Net Worth

Achieving financial security means building a net worth that's able to sustain needs for a lifetime. Net worth is your total assets minus all your liabilities. Bankruptcy is when your liabilities are more that your assets. Net worth is also how a person or a business entity is valued.

Positive cash flow is the only way to build your net worth.

Procrastination and inflation are the worst enemies when building your net worth. Procrastination wastes time, and time is the most important factor in compounding the value of money. Inflation eats your money if you don't know how to manage it.

We'll show you a spectrum of strategies to achieve your goal.



We call it...






To Success