What we do
At "Black Diamond Money Moves," we offer strategies to help you increase your wealth, reduce taxes, and secure financial stability. Our focus is to bring the sophisticated wealth strategies, usually reserved for the Wealthy, to everyday Americans.
We provide strategies to help minimize tax liabilities, maximize growth and returns, and protect against market downturns. Our goal is to help you start implementing these strategies effectively, So you can spend more time finding and fulfilling your God given purpose.
Who Is Chad Free?
With a career spanning over two decades, Chad has been involved in designing financial models for the ultra-wealthy and understands their approach to money. His observations reveal: So many accumulate significant wealth, yet experience an internal void. This often comes from putting their identity in their Net worth. With an industry that is not investing in their clients, yet fully investing in maintaining control of their client's portfolio, it tends to keep their lives on the emotional roller coaster of chasing rates of return and beating the market! The majority just don’t know all their options.
Nationally recognized as the leading authority and the number one strategist for building true wealth, Chad uses a combinational approach to wealth creation. His mission is not only to help people build external wealth through proven strategies that guarantee profitability but also to cultivate internal wealth. He is dedicated to empowering others to pursue their purpose, unlock their potential, become fully present, and experience real peace both personally and financially.
Chad resides in Fountain Inn, SC with his beautiful bride and two sons.
Peace of Mind In Retirement…
At Black Diamond Money Moves we believe that the tools and strategies you need in retirement, and the attitude of your financial advisor should be different than the ones you would choose when you are...
How We Doubled Retirement Income From $40k To AT LEAST $80k PA
By applying the Money Moves Of The Ultra Wealthy, we were able to literally double the retirement income for one of our clients. Our client was 70 years old when she came to me...
How We Tripled The Retirement Income For Our 42 Year Old Client… While Eliminating Stock Market Risk And Taxes On That Income
I want to share with you how we Tripled the retirement income for one of our clients...
Why Chasing Rates Of Returns Is NOT The Best Way To Retire Well
Wall Street and the media has convinced most of us that in order to grow our wealth we need to chase the highest rates of return we can get. BUT, when you understand average rate...
How To Maximize Your Retirement Income... Without EVER Running Out Of Money...
The traditional rule of thumb says you can spend 4% of your nest egg each year in retirement in order to make it last. But as you’ll remember from my Black Diamond Protect...
The 3 Mindset Shifts That Unlock a Wealthy Life
Change your thinking, change your money forever
Why “Work Harder” Isn’t the Answer
Most advice says: put in more hours, tighten your belt, pray for raises.
Yet plenty of people who grind the hardest still stress about money.
What the wealthy do differently starts in their head, not their wallet.
Below are the three mental flips that move anyone—from teacher to tech exec—onto a wealth track.
1. From Working Hard ➜ Money Working Hard
Old Way
“If I want more money, I need to clock more hours.”
New Way
“If I want more money, I need assets that earn while I sleep.”
The wealthy see every dollar as an employee. Once that dollar is invested in a business, stock, or rental, it clocks in 24/7—even when its owner is on vacation.
The takeaway: stop asking, “How can I earn more?”
Start asking, “How can this dollar earn more?”
Quick reflection: List one place your cash sits idle (checking, low-interest savings).
Now brainstorm one “job” that money could do—buy a dividend ETF, fund a side hustle, whatever feels doable this month.
2. From Paying Off Debt ➜ Debt Paying You
Old Way
“Debt is evil. Eliminate it as fast as possible.”
New Way
“Smart debt is a tool. If it costs less than it earns, it belongs on my balance sheet.”
The wealthy separate bad debt (high-interest cards, impulse purchases) from productive debt—low-rate loans tied to assets that put cash back in their pocket.
They don’t work for a zero balance; they work for positive cash flow.
Thought experiment:
Imagine borrowing at 4 % and putting those dollars where they safely grow 6 %.
That 2 % spread is money you didn’t have to work for.
The point isn’t to chase debt—it’s to recognize when a loan can become a lever, not a chain.
3. From Taxes as a Bill ➜ Taxes as a Wealth Multiplier
Old Way
“Taxes are fixed. Hand over what the government asks.”
New Way
“The tax code is written in pencil. Use the rules to keep and compound more.”
Wealthy families treat the tax code like an instruction manual, not a penalty notice.
Roth accounts, charitable strategies, real-estate write-offs—each one turns dollars that would have disappeared into fuel for new investments.
Every tax dollar legally saved becomes fresh capital—no extra work required.
Self-check: If taxes are your biggest yearly expense, shouldn’t you know at least three ways to shrink that line item?
Putting the Shifts Together
Money earns, not just you.
Debt can be a gear, not just a brake.
Taxes can grow wealth, not just shrink it.
When these beliefs click, your finances form a flywheel:
saved tax dollars buy new assets ➜ assets throw off cash ➜ cash covers smart debt ➜ smart debt acquires more assets.
Ready to Flip the Switch?
A mindset shift is free—but mapping it to your actual numbers takes guidance.
Book a complimentary Wealth Acceleration Session and in 30 minutes we’ll:
Spot one idle dollar you can put to work this week.
Identify any “good debt” opportunities hiding in plain sight.
Outline two legal tax moves to keep more of what you earn.
👉 Claim your spot here
Think different today; live different tomorrow.
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