DR. Joaquin Wallace

“Every person carries a subconscious blueprint for money, formed long before their first paycheck. I call it the Financial Genetic Code®. It is made of two parts: your Inherited Financial Narratives™, the beliefs about money you absorbed from family, culture, and environment (your why), and your Encoded Financial Behaviors™, the habits those beliefs produce (your action). Until you can read the code, you tend to repeat it.”

“It is the framework at the center of my book, Generational Wealth Begins With Generational Knowledge®. The seven stages move from Awareness & Acknowledgment through Decoding Your Financial Genetic Code®, Financial Healing, Building Financial Intelligence, Your Soft Landing, Building Your Legacy, and finally Creating Your Financial Footprints. The model is built on three areas of life we all navigate: the past, the present, and the future. Wherever you currently sit is your present, and Stage I is always the foundation for the decisions ahead.”

“Most financial advice starts at the spreadsheet. My work starts earlier, because many families are not short on information; they are carrying financial trauma that keeps sound plans from sticking. Stage III, Financial Healing, is where the Seven-Stage Generational Wealth Model© departs from conventional planning. It addresses the wound before it addresses the numbers.”

“Start with the Financial Genetic Code® Self-Assessment on this site. Your answers produce a personal profile of the narratives and behaviors driving your decisions, along with a starting point in the seven stages. From there, the book’s chapter worksheets walk you through naming the pattern, tracing where it came from, and choosing what to change. Awareness is the first stage for a reason.”

“First-generation wealth builders: people constructing a financial life without a family template for it, and the advisers who serve them. That includes individuals and couples, families preparing to pass on both assets and knowledge, and organizations that want financial wellness treated as inherited behavior rather than missing information.”

“Yes. I speak to advisory audiences, professional associations, corporate and community organizations, and faith communities, with talks built around the Seven-Stage Generational Wealth Model© and adapted to the room. Advisory services are offered through Seven Stages Wealth, LLC, a California-registered investment adviser, and begin with a written agreement. Use the inquiry form below to start the conversation.”