About the Book

Unlock advanced financial insights with ‘Two-Comma Wealth,’ the best book for millionaires aiming to optimize their wealth.

Congratulations! You’ve reached a significant milestone in your financial journey:

Two-Comma Wealth.

This term refers to a net worth of a million dollars or more in investable assets—a symbol of financial success achieved through hard work and smart decisions. It’s a remarkable accomplishment that deserves recognition and celebration. Often seen as a marker of “complete success,” two-comma wealth is the stuff dreams are made of and even the inspiration for game shows. After all, who doesn’t want to be a millionaire?

You’ve worked hard, made strategic choices, and now stand at the threshold of a new chapter in your financial journey. Whether you’re revisiting your approach, realizing the need for a new direction, or adjusting to a significant life event like a business sale, inheritance, retirement, or divorce, this moment calls for reflection. What got you here may not get you there—especially if “there” is still undefined. The path forward requires more than financial knowledge; it calls for the confidence, vision, and clarity to navigate your wealth with a fresh approach.

Most financial advisory books focus on how to accumulate wealth, but they rarely address the unique challenges that arise once you’ve reached a substantial level of prosperity. This book fills that gap by focusing on individuals and families managing $1 million–$30 million in investable assets. Positioned between basic personal finance guidance and the nuanced strategies tailored for those of ultra-high net worth—approaches that apply to only a select few—this growing demographic often requires tailored, practical advice.

With millions of households achieving two-comma wealth through rising home values, equity compensation, entrepreneurial success, and diligent investment strategies, the need for targeted financial guidance has never been greater.

  • "Every so often, you come across someone who just thinks differently. George Stefanou is one of those rare professionals. In Two-Comma Wealth, he delivers a practical, insightful, and values-driven approach to managing significant wealth. He simplifies complexity, aligns wealth with purpose, and helps readers navigate the evolving financial landscape."

    — Libby Griewe, The Efficient Advisor

  • “Stefanou writes with empathy while offering advice that will guide readers to responsible financial behavior… The book provides a solid base of information, enriched by anonymized stories from clients’ adventures in saving, investing, and bequeathing inheritances.”

    — Kirkus Reviews — Verdict: Get It! — Full Review

  • “While many personal finance books focus on how to accumulate wealth, few discuss what to do once financial independence is achieved. Two-Comma Wealth fills this gap, offering an excellent guide for investors with substantial assets.”

    — BlueInk Review — Full Review

  • “A holistic money management guide for those with multimillion-dollar net worths. Two-Comma Wealth assesses what wealth is for and how it can enrich a life, describes the effort and expertise responsible wealth management requires, and explores financial pitfalls that can ensnare the inexperienced millionaire.”

    — Foreword Reviews — Full Review

What You’ll Find Inside

A Roadmap for Sustaining and Growing Your Wealth

  • How to shift from a wealth-building mindset to preserving and enjoying your money.

  • The biggest risks that come after success—and how to navigate the “descent” safely.

  • How to ensure your money continues working for you—so you’re financially secure for life, not just for now.

Tax-Smart Investing to Keep More of What You Earn

  • Advanced tax strategies like Roth conversions, tax bracket “topping off,” and capital gain harvesting.

  • Why tax location matters as much as asset allocation—optimize your investments for tax efficiency.

  • The Widow’s Tax, IRMAA, and other hidden tax traps that can erode your wealth if left unchecked.

The SWIM Method: A Proven Framework for Smart Wealth Management

  • Stefanou Wealth & Investment Management (SWIM) lessons at the end of each chapter provide actionable insights.

  • How to categorize financial goals into Needs, Wants, and Wishes for better decision-making.

  • Why financial clarity eliminates guesswork and anxiety, helping you make better choices.

Business Owners: Protecting and Maximizing Your Most Valuable Asset

  • The 5 D’s that can derail your business and personal wealth (Death, Disability, Divorce, Disagreement, Distress).

  • Key factors to consider before selling or transitioning your business—including tax-efficient exit strategies.

  • How to turn business success into personal wealth, ensuring you aren’t wealthy on paper but cash-poor in real life.

Investment Strategies to Navigate Market Volatility with Confidence

  • A breakdown of the Five Lanes of Personal Finance—matching investments with your risk tolerance.

  • The Bucket Strategy for retirement—how to structure your wealth for security and longevity.

  • Why diversification matters—and how managing risk is just as important as chasing returns.

The True Purpose of Wealth: Aligning Money with Meaning

  • Why reaching two-comma wealth is just the beginning—how to define your next act.

  • The importance of “Memory Dividends”—using your wealth to create meaningful experiences.

  • How to give yourself permission to spend—breaking free from the fear of using your money unwisely.

Take Control of Your Wealth and Your Future

You’ve done the hard work to achieve financial success—now it’s time to protect, grow, and enjoy it with confidence.

Are you prepared for what’s next? Two-Comma Wealth gives you the tools, strategies, and insights to ensure your wealth isn’t just a number—it’s a meaningful resource that supports your goals, lifestyle, and legacy.

Start making smarter financial decisions today. Grab your copy of Two-Comma Wealth now!