Are you Efficient
with your wealth?

Gain Insights into How to Create Long-Term Wealth While Paying for Lifestyle Expenses; college, cars, weddings, etc. in Scottsdale, AZ

Welcome To Monica Felton SMART Cash Flow Strategies


All Families have large expenses


Learn a SMART STrategy to Pay for life expenses!


Financial efficiency is achieving maximum productivity and results while minimizing waste and loss. Financial inefficiency causes loss…loss of assets, loss of spendable income, and loss of liquidity; access to your money.

I teach families a SMART way to tackle life’s largest expenses; college, cars, weddings, businesses, etc. while creating long-term wealth.

First – I “find the money” you may be losing unknowingly and unnecessarily and we re-purpose this to a more efficient place.

Second – Understand your expenses and the true cost to your financial future. Awareness is a great motivator to change.

Third – Learn a better way to pay and the potential savings implementing a SMART Plan.


Areas of Expertise



Is every dollar you make working at its best possible potential? You must understand your true cost of debt and the effective interest expense you are paying. I help families with this knowledge. I lower families overall interest cost, pay debt off quicker, and ensure they become debt free for life!


College Planning

I am a college financial planning Expert. With almost 15 years of experience, I enable families to pay the expense of college while creating a pool of capital for parents future. I offer a SMART College Plan so families understand the expense of college, the true cost of college on their financial future, and show them the potential savings with a SMART College Plan.


I do NOT make college free or find scholarships.

Tax-Free Income in Retirement

Our government is in debt and continues to spend money they don’t have. How do they pay for spending? TAXES. Who do they tax? YOU! The people with the money! Creating a pool of money exempt from future taxes will allow you to keep more of your hard earned money.



Learn to recapture interest on your money

Understanding +

Understanding how money really works and learning how to minimize the negative financial impact of life’s events; college financing, mortgages, debt, and stock market corrections, will significantly improve your financial future.

+ Education

Education is the key and the sooner you learn and implement efficient financial strategies, the quicker you will achieve your financial goals and with much more certainty




480.401.2616 |