Wealth Formula

Understand the mechanics. Build with intention.

True wealth isn’t built on luck—it’s built on strategy. At DMV Financials, we use a proven formula to help clients understand how different financial forces work together (or against each other) when building wealth.

(+ Money)

Money is the foundation—but having it isn’t enough. Whether it’s income, savings, or investment capital, what matters most is what you do with it. Smart financial planning turns money into momentum.

(+ Time)

Time is one of your greatest financial assets. The longer you invest, the more your money has the opportunity to grow. Wealth is rarely built overnight—it’s a result of long-term commitment and discipline.

(+ / - Rate of Return)

This is where growth happens—or doesn’t. A positive rate of return on investments increases wealth. But a negative return—like high-interest debt—can drain it. Understanding your return on every financial move is critical.

(- Inflation)

Inflation quietly reduces your purchasing power over time. Even if your savings stay the same, their real-world value shrinks unless your returns outpace inflation.

(- Tax)

Taxes chip away at your earnings and investments. That’s why strategic tax planning is a must. The goal isn’t to avoid taxes—it’s to manage them wisely so more of your money works for you.

Putting It All Together

Wealth = (Money + Time ± Rate of Return - Inflation - Tax)

Everyone’s version of wealth looks different—but the formula remains the same. The key is knowing how to maximize each part of the equation. That’s where we come in.

At DMV Financials, we don’t just show you the numbers—we help you make sense of them. Whether you’re just starting or already building momentum, our team is here to help you grow your wealth with clarity, purpose, and results.