Most people don’t make it to the top alone. They have a great team behind them who help support their goals. Whether that team is your family or your business team, a group of trusted advisors or your golfing partners, these people are there to bounce ideas off of, talk them through hang-ups, and support them both emotionally and mentally. But at the end of the day, they’re your dreams and goals. You need to make sure that you’re the one steering the vehicle to get you to your end goal. This is the same in business and your own financial path.

But it is important who you’re getting advice from so you can best reach your goals. You do not need to become a CPA, attorney, or any sort of expert yourself, however. The better you select the “players” on your team, the better financial choices you’ll be able to make and the better chance you’ll have to achieve the wealth and cash flow you need to live the life you want, now and forever.

In order to manage the best team, your team needs to know the overall game plan, and you need to make sure each player has been selected and tailored to suit your needs. How should your team of experts work? Despite being a Phillies fan, I like to use the Yankees as an example. When George Steinbrenner was the owner of the Yankees, they were in the playoffs or in contention almost every year. Many times they were world champions. Steinbrenner made sure that the very best players were on that team in their proper positions. Having the best players always guaranteed that the team was going to be competitive. Look to build your expert team with the same idea.

Steinbrenner built a team with intent. Yet, most of us are far less intentional when we build our teams; they just seem to happen. We get out of school and get a car, so we get car insurance. We probably use the agent our parents used or a college buddy who’s selling insurance. As needs arise, we add other players, but we don’t look at changing the ones we have, as our needs become more complicated and demand more sophistication. Take my Phillies. They had some good years too but not consistently. They struggle most years. They didn’t continually evaluate and build the best team possible. Do you find yourselves struggling to get things done?

If you build yourself a championship team of experts, you have the best chance of achieving what you want. Anything less, diminishes that likelihood. Anything less could mean that you have to work longer or harder in life, leading you to make poor financial decisions.

But you do have a choice. You can change players; you can create your ‘A’ team. Instead of keeping the B-list players, you make improvements that will help you in the long run. It can be hard to cut ties with people, but remember at the end of the day, this team is helping support your dreams and goals. If you have an A team, it’s more likely that you’re going to build what you want in life, you’re going to live life the way you want, and you’re going to be able to accomplish what you want.

For more information about managing your dream financial team, visit