PLAN TO LIVE grew out of the Premiere Strategy Program - launched in 2010 by Martin Caldwell as a holistic, contingency-driven approach to personal finance. The promise was simple and powerful: a written, personalized “Premier Strategy” that prepares a household for life’s big "what-ifs" and keeps that plan alive through regular reviews.

Built as a one-year implementation followed by light monthly maintenance, the Premiere Strategy coordinated an executive team - law, tax, wealth, insurance, banking, and wellness - under a Lead Strategist. It was intentionally referral-driven (“fewer clients, more focus”), welcoming anyone ready to learn and implement rather than filtering by account size.

The Premiere Strategy Program tackled the full picture in writing, not just investments: retirement timing, debt vs. saving, taxes, disability and income continuity, estate transfer, education, healthcare costs, legacy, and more. Its 12 interconnected components - Transition Planning, Charitable Giving, Debt Management, Tax Management, Succession, Premature Death, Income Contingency, Education & Learning, Beyond the Money, Tracking & Budgeting, Estate Transfer, and Health & Wellness - were advanced one step at a time with clear checklists and action plans.

Two guiding frameworks set PSP apart and still inform our work today:

That discipline - contingency-first, multi-disciplinary, written, and maintained - became the foundation for PLAN TO LIVE. The Premiere Strategy was the prototype; today’s programs carry its DNA forward with the same aim: practical clarity, confident action, and lasting financial peace. 
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​That discipline - contingency-first, multi-disciplinary, written, and maintained—became the foundation for PLAN TO LIVE. The Premiere Strategy was the prototype; today’s program carry its DNA forward with the same aim: practical clarity, confident action, and lasting financial peace.

In 2024, Martin Caldwell invited Christopher Tracy to join him in founding PLAN TO LIVE - with the goal of establishing a new approach to financial education that blends proven money concepts with better habits, life goal achievement, and ongoing coaching. With Martin’s extensive experience in the financial industry and Christopher's decades in education, the team combines expertise and passion to guide you on your financial journey. The aim is to help people build not just wealth, but confidence and peace of mind. With backgrounds in insurance, finance, education, philosophy, wellness, broadcasting, and more, the PLAN TO LIVE team brings unique insights and a commitment to creating an empowering program. Together, we focus on holistic strategies that promote financial well-being and long-term success.

Offering clear and accessible financial education and solutions for individuals from all educational backgrounds and income levels, PLAN TO LIVE empowers you to take charge of your financial future. Imagine achieving stress-free and focused strategic financial plans that encompass crucial areas like investing, retirement, debt management, estate planning, and more—creating a foundation that allows freedom and security.

Through dedicated effort and proactive engagement, you will navigate the complexities of financial planning with confidence. With an emphasis on transparency and direct communication, the program delivers practical steps rooted in proven strategies. The tiered training, ranging from introductory to advanced levels, equips you with the tools necessary to implement your financial goals while sidestepping common pitfalls.

​​​Recognizing the commitment it takes to create lasting change, PLAN TO LIVE offers high-energy, value-packed training, ensuring a life filled with empowerment and financial success. Take the leap and embrace the wonderful potential that awaits you—join PLAN TO LIVE today!