Ripple 01→
Tax decisions affect cash flow.
What you keep determines what you can direct, save and invest.
Wealth Factory · Programs
Your money has many parts. We make them work together.
Wealth Factory is a financial strategy and education company for entrepreneurs, business owners and high-earning professionals. We help you design your financial life as one coordinated system — instead of a pile of separate decisions made by separate people.
Sheet A-01 · ElevationFoundation → Framework → Structure
The problem we solve
Most financial lives are built one decision at a time.
An investment here. An insurance policy there. A tax strategy from one advisor, a business structure from another, a retirement account somewhere else. Each decision may make sense on its own. The real question is whether they work together.
Ripple 02→
Cash flow affects opportunity.
Liquidity decides which investments you can say yes to — and when.
Ripple 03→
Structure affects everything.
How your business is set up shapes taxes, protection and how you pay yourself.
Ripple 04→
Debt limits or leverages.
The same liability can restrict your flexibility or create strategic leverage.
Most people don’t have a lack of financial products. They have a lack of financial coordination.
The Wealth Factory method
One framework. Five parts.
Every Wealth Factory program is built on the same framework. We don’t look at the parts one by one — your specialists already do that. We look at the connections between them, because that’s where wealth quietly leaks out.
01
Cash Flow
the fuel line
How money moves from the business to you, and whether it’s directed or just spent.
02
Taxes
the transmission
Entity design and proactive planning. Engineered, not just filed.
03
Insurance
the housing
The right structures and coverage, in the right order, so one event can’t undo years of work.
04
Investing
the output
Whether what you own outside the business can one day replace what the business pays you.
05
Estate Planning
the next generation
Whether what you’ve built outlasts you, and your family knows how to steward it.
Real wealth isn’t created by optimizing one piece of your financial life. It’s created when the pieces work together.
Two ways to work with us
Choose the program that matches your stage.
Wealth University teaches the architecture. Wealth Architecture designs it with you. Most people know within a minute which one sounds like them.
Level 01Self-directed
Wealth University
Learn it. Build it yourself.
Practical financial education with assessments, frameworks and blueprints — so you understand how the pieces connect and make more intentional decisions.
- Best for
- Self-directed entrepreneurs, professionals and families
- Format
- Courses, scorecards, blueprints and tools you keep using
- Principle
- We teach. You implement.
Private · By application
Level 02Done with you
Wealth Architecture
Designed with a dedicated strategist.
We map your full financial picture, design an integrated strategy across all five parts, and coordinate the professionals who implement it.
- Best for
- Business owners and executives earning $250K+
- Format
- 2 private 1:1 sessions + 2 expert group sessions every month
- Principle
- We architect it with you.
Side by side
Which one fits you?
Not sure yet? That’s exactly what the first call is for. In a 30-minute session, Eric Sullivan, our Wealth Architect, will look at where you are and point you to the right path.
| Wealth University | Wealth Architecture | |
|---|---|---|
| Your stage | Earning and building, want clarity and control | Established: business owners and executives earning $250K+ |
| Focus | How cash flow, credit, tax, protection and legacy connect | A fully integrated strategy across all five parts |
| Who does the work | You — we provide education and structure | Together — your strategist plus our vetted professional network |
| Support | Self-paced courses, assessments and tools | Dedicated Wealth Strategist, 2 private + 2 group sessions monthly |
| You leave with | Your own blueprints and better questions for your advisors | A coordinated wealth architecture that adapts over time |
| Next step | Explore Wealth University | Explore Wealth Architecture |
Who you’ll work with
The people behind the method.
Wealth Factory is led by people who build and run businesses themselves, and who’ve spent years on the question of why high income and real wealth so often fail to move together.
Norm Westervelt
CEO
Norm leads Wealth Factory, helping successful business owners turn business income into a coordinated personal wealth strategy across owner compensation, tax planning, asset protection, and long-term wealth building.
Eric Sullivan
Principal · Wealth Architect
Eric works directly with business owners on the decisions behind liquidity, cash flow, owner compensation, and long-term wealth.
Start here
Not sure where you fit? Start with a conversation.
Book a complimentary strategy session. We’ll look at where you are today, where wealth may be leaking, and which path makes sense for you.
30 minutes · Complimentary · With Eric Sullivan, Wealth Architect