From company website: "Our service is based on the idea that you have everything that is needed to achieve financial independence without sacrificing how you live today. It's all about rearranging the pieces so they suit your lifestyle. We encourage people to keep what they have, just use a portion of the money they're already living without (high interest, taxes, overpayment, fees) and put it toward the future. You don't have to sacrifice the present to build for the future."