Logan Colwell, Financial Advisor

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Eckman Wealth Management
I help construction owners keep more of what you build | Tax planning + retirement plan design | Former specialty subcontractor turned advisor | Phoenix, AZ | Schedule time with me here: Calendly.com/ewmlogan

11/02/2026

I read the letter 10 times. My wife found three typos in five minutes.

One of them was in the recipient’s name.

I had even read the letter out loud. So how did I miss something that obvious?

Because I wasn’t only reading what was on the page.

I was reading my memory of what I meant to write.

My brain knew the intended message, so it quietly corrected the mistakes as I went.

My wife had no memory of the draft to protect. She simply saw what was actually there.

The same thing can happen when we review our own finances.

Sharp, capable people often tell me: “I can manage my finances myself.”
And they may be right.

The value of a second opinion isn’t based on whether you’re intelligent or capable. It’s that proximity creates blind spots.

When you look at your own financial life, you may see the plan you intended to build, not necessarily the one that exists today.

It’s easy to overlook:
→ Outdated assumptions
→ Investment risk that has gradually shifted
→ Tax opportunities you didn’t know to look for
→ Insurance or estate-planning gaps
→ Business and personal strategies that no longer align
→ Goals that have changed while the plan stayed the same

It has nothing to do with intelligence. Nobody can perfectly proofread their own life.

Sometimes the greatest value an advisor provides is a fresh set of eyes; someone with no assumptions to defend, looking clearly at what is actually there.

If you’d like a straightforward second opinion, book a free 30-minute call at the link in bio.

No pressure. Just a clear conversation about whether you’re on track and what may need attention.

“The plans of the diligent lead to profit as surely as haste leads to poverty.” — Proverbs 21:5Business owners are const...
11/01/2026

“The plans of the diligent lead to profit as surely as haste leads to poverty.” — Proverbs 21:5

Business owners are constantly making decisions under pressure.

A project needs equipment. A crew needs to be hired. A tax deadline is approaching. An investment opportunity appears—and it feels like the decision must be made immediately.

But urgency and wisdom are not always the same thing.

Diligent planning means slowing down long enough to understand the numbers, consider the risks and make sure today’s decision supports the future you’re trying to build.

It isn’t about avoiding every risk. It’s about refusing to let pressure make the decision for you.

Good stewardship is rarely rushed. It is built through prayer, preparation and consistent action over time.

10/30/2026

We can’t control everything the future holds, but we can be intentional with what God has entrusted to us today.

To me, financial planning is about more than accumulating wealth or reaching a number.
It’s about stewardship.

It means providing for the people who depend on you, preparing wisely for the future, giving generously and using your resources in a way that reflects what matters most.

For contractors and business owners, it can be easy to spend years building the business while continually postponing your own financial future.

A thoughtful plan helps connect the work you’re doing today with the life, family and legacy you’re working so hard to support.

You don’t need to have every answer before you begin. You simply need a clear next step.

If you’re ready to build a financial plan rooted in your values and designed for the road ahead, book a call with me at the link in bio.

I wasn’t looking for another thing to do.When the opportunity to become a financial advisor came along, I had a 1½-year-...
10/28/2026

I wasn’t looking for another thing to do.

When the opportunity to become a financial advisor came along, I had a 1½-year-old son, a construction business and a new faith I was learning to live out.

It wasn’t the obvious time for a career change.

But the opportunity was personal. The firm inviting me to join was the same firm I had trusted with my own finances for more than 10 years.

As I thought and prayed about the decision, one idea kept coming back:
What if I could help people understand money earlier - before years of disconnected decisions accumulated without direction?

I saw people working incredibly hard while still feeling constant financial pressure. I wanted to help them use money more intentionally; to care for their families, create opportunities, give generously and build lives aligned with what matters most.

My faith shapes that work and the questions I ask:
→ What are you working toward?
→ Who depends on you?
→ What do you want your money to make possible?

That’s how I became an advisor: as a father, a former construction business owner and someone learning to practice stewardship.

You don’t need a perfectly organized financial life to begin.
Book a free 30-minute call at the link in bio.

10/26/2026

A couple of years ago, I was driving to a wedding in the country when my GPS confidently offered a shortcut.

It was supposed to save 11 minutes.

Two miles later, I reached a barricade. The road was closed.

As I sat there waiting for the app to recalculate, a man in a pickup rolled down his window and said: “That app keeps sending people down here. The bridge has been out since March.”

Every local knew. The app didn’t.

That experience reminds me of a fair question people ask about financial advice:
“Index funds are inexpensive. Robo-advisors cost almost nothing. Why can’t I do this myself?”

You may be able to—and low-cost index funds can be excellent tools. But selecting investments is only one part of a financial plan.

The harder questions often involve:
→ How much risk fits your actual goals
→ Which accounts should hold which investments
→ How taxes affect your decisions
→ When and where to take retirement income
→ How your business and personal finances work together
→ Whether your insurance and estate plan protect what you’re building
→ How to respond when markets, and emotions, get uncomfortable

Technology can provide information and automate transactions.

A good advisor helps apply that information to your specific life, recognize the roadblocks that aren’t visible on the screen and keep the different parts of your financial life moving in the same direction.

You don’t necessarily need to abandon your low-cost investments. You may simply need a better plan around them.

Book a call with Logan at the link in bio.

“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncert...
10/25/2026

“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.” — 1 Timothy 6:17

Building wealth is not the same as placing your hope in it.

Money can provide options, support a family, strengthen a business and create opportunities to serve others.

But it cannot promise certainty.

Markets change. Projects are delayed. Customers leave. Equipment fails. Even a strong financial plan can’t remove every unknown.

That doesn’t make planning meaningless. It puts planning in its proper place.

We prepare wisely, invest patiently and protect what has been entrusted to us, but we don’t ask money to provide the security, identity or peace that only God can give.

Build wealth responsibly. Hold it humbly. Place your confidence in something greater.

Your best quarter could be setting up your next cash crisis.A strong quarter closes. Cash is in the account. So you buy ...
10/21/2026

Your best quarter could be setting up your next cash crisis.

A strong quarter closes. Cash is in the account. So you buy a truck, upgrade equipment, pay bonuses or increase your personal spending.

Then the next quarter slows down.

Payroll continues. An insurance renewal hits. Retention is still outstanding, and the tax payment is due.

The problem isn’t necessarily profitability.

It’s profit without a policy.

Construction cash flow is uneven. Revenue, receivables and actual cash rarely move in a straight line. That means deciding what to do with profit after it arrives can quickly turn into reactive spending.

A written profit allocation policy gives every dollar a job before the quarter closes:
→ Consistent owner pay
→ Operating reserves
→ Taxes
→ Equipment and CapEx
→ Long-term wealth building

In this week’s article, I explain how to establish your five buckets, review actual profit quarterly, separate the money into dedicated accounts and adjust your targets as the business changes.

A profitable quarter should strengthen both the company and the owner, not create another cash-flow surprise.

Read the full article at the link in bio.

10/19/2026

My $49 flight ended up costing me $131.

A while back, I booked a flight with an ultra-budget airline and felt like I had hacked the system.

Then I reached the next page.
- Carry-on bag: $50
- Seat selection: $18
- Boarding pass at the airport: $10
-Bottle of water: $4

By the time I landed, the $49 flight had cost me $131.

Meanwhile, the “expensive” airline I had proudly avoided was charging $114; with the bag, seat and water included.

The lesson wasn’t that budget airlines are always a bad choice.

It was this:
You’re always paying. The real question is whether the price is printed somewhere you can see it.

I think about that when someone tells me financial advice is too expensive because their current approach is “free.”

But is it?

Depending on how your finances are structured, costs may show up as:
→ Commissions or internal expenses within financial products
→ Ongoing tax drag from inefficient account placement
→ Missed planning opportunities
→ Investment decisions driven by emotion rather than strategy
→ DIY mistakes that never arrive with an itemized invoice

None of those necessarily feels like paying, and that’s what makes them easy to overlook.

My advisory fee isn’t hidden. Before you commit to anything, I’ll explain exactly what I charge, what it covers and what you receive in return.

During our first conversation, we can also look at the costs you may already be paying, whether you realize it or not.

The results sometimes surprise people.

Want a clearer picture of what your current financial approach is really costing you?
Book a call with me at the link in bio.

“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…?” — Luke 14:28Contractors un...
10/18/2026

“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…?” — Luke 14:28

Contractors understand this principle better than most.

You don’t begin a project without reviewing the plans, estimating the materials, calculating labor and anticipating what could go wrong.

Yet many people approach major financial decisions without doing the same work.

They purchase equipment without considering its effect on cash flow.
They expand the business without strengthening reserves.
They set retirement goals without calculating what those goals will require.

Faith doesn’t eliminate the need for preparation.

Jesus used the example of a builder to illustrate the importance of understanding the commitment before beginning the work.

The same wisdom applies to our finances: define the goal, count the cost and create a plan before moving forward.

Before you build the future you envision, make sure your financial foundation can support it.

10/16/2026

Revenue can be unpredictable. Your financial strategy shouldn’t be.

For many construction business owners, cash doesn’t arrive in a smooth, consistent stream.

One month may bring several large payments. The next may be consumed by payroll, materials, equipment, taxes, and delayed receivables.

The goal isn’t to eliminate every fluctuation. It’s to create a clear system for directing money when it comes in.

That means knowing how much should go toward:
→ Upcoming tax obligations
→ Operating and emergency reserves
→ Your personal income
→ Retirement and long-term investments
→ Future business opportunities

Without that structure, even a profitable company can leave its owner wondering where the money went.

A thoughtful financial plan helps connect today’s cash flow to the business, family, and future you’re working to build.

Ready to create a clearer direction for your money? Book a call at the link in bio.

Address

Phoenix, AZ

Opening Hours

Monday 7am - 5pm
Tuesday 7am - 5pm
Wednesday 7am - 5pm
Thursday 7am - 5pm
Friday 7am - 5pm

Telephone

+16027265976

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