Skyline Drive Fiduciary (or “SDF,” for short) is a free advocacy service designed to assist Americans who struggle with managing their own personal finances, and those who would rather not be bothered with the hassle and stress of paying bills, reconciling bank account and credit card statements, setting up and maintaining automatic payment instructions on their various expense accounts, tracking their direct deposits, and other mundane tasks related to their individual financial affairs. Although it was primarily conceptualized to target single, mature folks of modest means, it is available to most competent, independent, American adults who meet some very basic requirements that are open-minded, adaptable, trusting, and interested in what the service has to offer.

Unlike your more traditional fiduciary, which provides its services to help clients manage their wealth, (where there is ordinarily a certain element of risk and uncertainty involved in obtaining the highest return on their investments), SDF does not actually invest any of its clients’ money in stocks, bonds, mutual funds, futures, real estate, ETFs, Certificates of Deposit, hedge funds, annuities, cryptocurrencies, commodities, collectibles, precious metals, private equity, tangible assets, or anything else that either carries an element of risk or necessitates the significant passage of time in order to reap the dividends. Instead, clients of SDF are assigned a Financial Advocate (or a Finadex), who simply helps them to restructure the directional flow of their personal finances in such a manner that enables them to always experience the maximum amount of cash back on all of their purchases and regular expenses while simultaneously also benefiting from collecting the optimum amount of interest on their income and any savings they may have, with zero risk to their money. Even clients with no savings at all can still earn a substantial amount of interest on just their income alone when enrolled in the service!

Think of it as the “poor man’s fiduciary,” thoughtfully designed specifically to assist those who don’t have money to risk losing on conventional investments, where ordinary people with little or no savings who have become relegated to an adverse pattern of existing check-to-check, can actually break free of their unhealthy habits and climb out of their respective ruts by allowing someone with an acute level of financial expertise to help them make the necessary and long-overdue changes to their current systems of (mis)managing their own personal finances. This often involves assisting folks who have a primarily cash-based lifestyle (one where they have grown accustomed to paying for most or all of their expenses with cash, checks, money orders, and debit cards) to make a successful conversion to a fully-automated, paperless, credit-based system of money-management, where they’re eventually using the very best cash back rewards credit cards for everything (including their rent whenever feasible) and, thus, prolonging the payment of all their expenses without accruing any interest, while also regularly collecting cash back (and periodical cash back bonuses along the way by satisfying a certain minimum-spend requirement on one or more new credit cards every year).

The service employs a number of innovative techniques in order to accomplish its ultimate goal of assisting average, everyday Americans to enjoy more secure and carefree financial lives, one of which involves the opening of a hubbaccount at their designated primary bank and numerous tempaccounts at strategic intervals with various other institutions where introductory bonuses are being offered to new customers for satisfying specific direct deposit requirements, and then frequently modifying the flow of their direct deposits so that their income initially passes through one of the tempaccounts on its way to their hubbaccount, where it then safely rests until some of their accrued savings are needed to cover one of their credit card bills, installment loans, or direct rent payments. In doing so, clients of SDF invariably end up experiencing the maximum amount of interest on just their income alone, even if they have no savings. Another essential “prong” in the system involves assisting clients in identifying, and then utilizing, the very best cash back rewards credit cards for their particular spending habits and then having all of their regular expenses auto-paid to the rewards cards that provide them with the highest possible amount of cash back for each type of expense.

If you’re a typical American with a median annual income of $60,000.00 and you’re also spending approximately that same amount per year just to cover all of your living expenses (and perhaps a few additional luxuries), there is no reason why you shouldn’t be able to average at least 2.5% overall cash back, if every penny of those expenditures is being charged on the most strategically-selected cash back rewards cards. If you’ve been consistently spending about $60,000.00 annually and you haven’t been getting at least $1,500.00 in cash back every year, there is probably some room for improvement in the way that you’re managing your basic finances, especially considering that it’s actually easier than it has ever been in the past for people with mediocre credit to obtain the very best cash back rewards cards; and SDF can usually assist even folks with very limited credit history (or even damaged credit) to establish or rebuild their credit to the point where they can qualify for and obtain these premier cash back rewards cards.

In short, you’re not going to get rich by employing the services of SDF, but if you’re someone who has a certain degree of financial stability (in that you have enough income to cover your basic monthly expenses) yet somehow always seem to find yourself barely scraping by, often paying bills a little late (or making partial payments), then being hit with interest, late fees, over-limit fees, insufficient funds/return-check fees, and other unnecessary punitive expenses, the program can help you to avoid all of these pitfalls often associated with this sort of lifestyle and provide you with a buffer of sorts, which can make all of the difference. Most clients enrolled in the service can realistically expect to enjoy an additional $2,500.00 to $5,000.00 per year in interest income and cash back; but, perhaps, even more importantly, people who have always struggled with the management of their own money can relax and have peace of mind, knowing that their finances are being cared for by a trustworthy and free advocacy service that is always there by their side to support and assist them and function in their best interests.

As appealing as it may seem to some individuals, SDF fully recognizes that the program is not for everyone. If you’re a bright, attentive, self-sufficient individual who feels that you’re doing a perfectly satisfactory job of managing your own basic personal finances without requiring the assistance or expertise of a Financial Advocate, and you’re able to navigate all of the potholes and sinkholes in your life without getting stuck on any of the gravel, then Skyline Drive may not be the recommended road for you to travel.

However, on the other hand . . .

If you’ve been falling asleep at the wheel with the management of your finances for many years, hoping that you would eventually find that peaceful paradise where you can ultimately be free of it all, and you’ve just been haplessly, perilously bumping along life’s curvaceous and unpredictable highway, barely keeping your eyes on the road, while desperately searching for that scenic overlook in the foggy distance which could hopefully provide a never-ending respite from the unrelenting stretch of mountainous roadway ahead, but you’re not even certain when (or if) you’ll ever make it there alive, Skyline Drive could actually deliver the safe passage that ensures you finally arrive. . . . 

If you’ve always dreamed of finding a free and reliable service that could provide you with assistance in the streamlining of your personal finances but had reached a point in your life where you had just given up and resigned yourself to the defeatist notion that it was likely “dead in the water” and probably never going to happen within your lifetime, Skyline Drive might just be the express lane to help your dream survive by utilizing that hidden, little-known taxicab driver’s alternative route to the gridlocked interstate. . . .

If you would simply like to experience the advantages of always getting the maximum amount of cash back on all of your regular purchases and expenses, while frequently capitalizing on sizeable introductory bank bonuses without having to be bothered with completing all of the tedious and cumbersome legwork involved in obtaining them, then Skyline Drive may very well be the most prudent avenue for you to pursue. . . .

. . . Or, if you’re an older person who would so very much love to just be able to relax and enjoy the fruits of your golden years without being saddled with the constant burden of managing your expenses anymore, Skyline Drive Fiduciary could quite possibly be holding your ticket to a coveted destination of insouciance and permanent liberation from anxiety and stress that you have been craving for most of your adult life, where you never have to worry about toiling with your personal finances ever again.