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Logan Colwell, Financial Advisor

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Phoenix, AZ
Logan Colwell, Financial Advisor

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Eckman Wealth Management
We help construction company owners turn tax dollars into owner wealth. Book a 30‑min Contractor Checkup → calendly.com/ewmlogan

Cash Balance & 401(k) design, Profit Allocation Policies, proactive tax strategy.

10/28/2026

I wasn’t looking for another thing to do.

When the opportunity to become a financial advisor came along, I had a 1½-year-old son, a construction business and a new faith I was learning to live out.

It wasn’t the obvious time for a career change.

But the opportunity was personal. The firm inviting me to join was the same firm I had trusted with my own finances for more than 10 years.

As I thought and prayed about the decision, one idea kept coming back:
What if I could help people understand money earlier - before years of disconnected decisions accumulated without direction?

I saw people working incredibly hard while still feeling constant financial pressure. I wanted to help them use money more intentionally; to care for their families, create opportunities, give generously and build lives aligned with what matters most.

My faith shapes that work and the questions I ask:
→ What are you working toward?
→ Who depends on you?
→ What do you want your money to make possible?

That’s how I became an advisor: as a father, a former construction business owner and someone learning to practice stewardship.

You don’t need a perfectly organized financial life to begin.
Book a free 30-minute call at the link in bio.

10/26/2026

A couple of years ago, I was driving to a wedding in the country when my GPS confidently offered a shortcut.

It was supposed to save 11 minutes.

Two miles later, I reached a barricade. The road was closed.

As I sat there waiting for the app to recalculate, a man in a pickup rolled down his window and said: “That app keeps sending people down here. The bridge has been out since March.”

Every local knew. The app didn’t.

That experience reminds me of a fair question people ask about financial advice:
“Index funds are inexpensive. Robo-advisors cost almost nothing. Why can’t I do this myself?”

You may be able to—and low-cost index funds can be excellent tools. But selecting investments is only one part of a financial plan.

The harder questions often involve:
→ How much risk fits your actual goals
→ Which accounts should hold which investments
→ How taxes affect your decisions
→ When and where to take retirement income
→ How your business and personal finances work together
→ Whether your insurance and estate plan protect what you’re building
→ How to respond when markets, and emotions, get uncomfortable

Technology can provide information and automate transactions.

A good advisor helps apply that information to your specific life, recognize the roadblocks that aren’t visible on the screen and keep the different parts of your financial life moving in the same direction.

You don’t necessarily need to abandon your low-cost investments. You may simply need a better plan around them.

Book a call with Logan at the link in bio.

10/25/2026

“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.” — 1 Timothy 6:17

Building wealth is not the same as placing your hope in it.

Money can provide options, support a family, strengthen a business and create opportunities to serve others.

But it cannot promise certainty.

Markets change. Projects are delayed. Customers leave. Equipment fails. Even a strong financial plan can’t remove every unknown.

That doesn’t make planning meaningless. It puts planning in its proper place.

We prepare wisely, invest patiently and protect what has been entrusted to us, but we don’t ask money to provide the security, identity or peace that only God can give.

Build wealth responsibly. Hold it humbly. Place your confidence in something greater.

10/21/2026

Your best quarter could be setting up your next cash crisis.

A strong quarter closes. Cash is in the account. So you buy a truck, upgrade equipment, pay bonuses or increase your personal spending.

Then the next quarter slows down.

Payroll continues. An insurance renewal hits. Retention is still outstanding, and the tax payment is due.

The problem isn’t necessarily profitability.

It’s profit without a policy.

Construction cash flow is uneven. Revenue, receivables and actual cash rarely move in a straight line. That means deciding what to do with profit after it arrives can quickly turn into reactive spending.

A written profit allocation policy gives every dollar a job before the quarter closes:
→ Consistent owner pay
→ Operating reserves
→ Taxes
→ Equipment and CapEx
→ Long-term wealth building

In this week’s article, I explain how to establish your five buckets, review actual profit quarterly, separate the money into dedicated accounts and adjust your targets as the business changes.

A profitable quarter should strengthen both the company and the owner, not create another cash-flow surprise.

Read the full article at the link in bio.

10/19/2026

My $49 flight ended up costing me $131.

A while back, I booked a flight with an ultra-budget airline and felt like I had hacked the system.

Then I reached the next page.
- Carry-on bag: $50
- Seat selection: $18
- Boarding pass at the airport: $10
-Bottle of water: $4

By the time I landed, the $49 flight had cost me $131.

Meanwhile, the “expensive” airline I had proudly avoided was charging $114; with the bag, seat and water included.

The lesson wasn’t that budget airlines are always a bad choice.

It was this:
You’re always paying. The real question is whether the price is printed somewhere you can see it.

I think about that when someone tells me financial advice is too expensive because their current approach is “free.”

But is it?

Depending on how your finances are structured, costs may show up as:
→ Commissions or internal expenses within financial products
→ Ongoing tax drag from inefficient account placement
→ Missed planning opportunities
→ Investment decisions driven by emotion rather than strategy
→ DIY mistakes that never arrive with an itemized invoice

None of those necessarily feels like paying, and that’s what makes them easy to overlook.

My advisory fee isn’t hidden. Before you commit to anything, I’ll explain exactly what I charge, what it covers and what you receive in return.

During our first conversation, we can also look at the costs you may already be paying, whether you realize it or not.

The results sometimes surprise people.

Want a clearer picture of what your current financial approach is really costing you?
Book a call with me at the link in bio.

10/18/2026

“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…?” — Luke 14:28

Contractors understand this principle better than most.

You don’t begin a project without reviewing the plans, estimating the materials, calculating labor and anticipating what could go wrong.

Yet many people approach major financial decisions without doing the same work.

They purchase equipment without considering its effect on cash flow.
They expand the business without strengthening reserves.
They set retirement goals without calculating what those goals will require.

Faith doesn’t eliminate the need for preparation.

Jesus used the example of a builder to illustrate the importance of understanding the commitment before beginning the work.

The same wisdom applies to our finances: define the goal, count the cost and create a plan before moving forward.

Before you build the future you envision, make sure your financial foundation can support it.

10/16/2026

Revenue can be unpredictable. Your financial strategy shouldn’t be.

For many construction business owners, cash doesn’t arrive in a smooth, consistent stream.

One month may bring several large payments. The next may be consumed by payroll, materials, equipment, taxes, and delayed receivables.

The goal isn’t to eliminate every fluctuation. It’s to create a clear system for directing money when it comes in.

That means knowing how much should go toward:
→ Upcoming tax obligations
→ Operating and emergency reserves
→ Your personal income
→ Retirement and long-term investments
→ Future business opportunities

Without that structure, even a profitable company can leave its owner wondering where the money went.

A thoughtful financial plan helps connect today’s cash flow to the business, family, and future you’re working to build.

Ready to create a clearer direction for your money? Book a call at the link in bio.

10/14/2026

Your crew may be doing R&D—without calling it R&D.

The R&D tax credit sounds like something reserved for laboratories, engineers and software companies.

But contractors solve technical problems every day.

Maybe your team tested different materials, redesigned a prefabrication process, created a better estimating method or customized software to solve a field-level problem.

Some of that work may qualify for the R&D credit, but simply improving a process isn’t enough.

The work generally needs to involve:
→ A genuine technical uncertainty
→ Engineering, science or technology
→ More than one possible approach
→ A documented process of testing and evaluation

The credit can be valuable, but qualification is complex, and the strength of a potential claim often depends on the records created while the work is happening.

In this week’s article, I explain:
→ The four-part test used to evaluate qualifying work
→ Common contractor activities that may qualify
→ Four questions to help screen a project
→ The costs, time and documentation to begin tracking
→ When to involve your CPA or an R&D credit specialist

Before assuming this credit belongs to someone else’s industry, take a closer look at the problem-solving already happening inside your business.

Read the full article at the link in bio.

10/13/2026

A financial plan isn’t a path you choose once and follow forever.

Your life doesn’t stand still, and neither should your financial strategy.

Your income changes. Your business grows. Your family’s needs evolve. New opportunities appear, and new risks come with them.

For construction business owners, those changes may include:
→ Hiring more employees or expanding into new markets
→ Purchasing equipment or taking on larger projects
→ Restructuring the business
→ Adjusting retirement contributions
→ Building more personal wealth outside the company
→ Preparing for succession or an eventual exit

A strategy that worked five years ago may no longer reflect your current income, tax exposure, responsibilities or long-term goals.

That doesn’t mean changing direction every time the market moves.

It means reviewing the plan regularly, making thoughtful course corrections and confirming that each part of your financial life is still working toward the same destination.

When was the last time you checked whether your financial plan still fits where you’re going?

If it has been a while, or you’ve never had a coordinated plan, book a call at the link in bio.

10/12/2026

The $4,000 I “saved” ended up costing me nearly twice as much.

A few years ago, I needed work done on my kitchen. I collected three bids and chose the lowest. It was about $4,000 below the others.

For the first year, everything appeared fine.

Then water started covering the kitchen floor.

The problem turned out to be improper plumbing, a slow leak, soaked drywall, and damage that required part of the kitchen to be torn out and rebuilt.

By the time it was finished, I had paid for the project nearly twice, plus the additional repairs.

The cheapest bid became the most expensive option.

I think about that experience when someone asks a completely fair question:
“Why should I pay a financial advisor’s fee?”

You should ask. You deserve a clear answer.

An advisory fee is visible. It appears in black and white.

The potential cost of going without coordinated advice is harder to see.

No one sends you an invoice for:
→ A tax-planning opportunity you missed
→ An emotional investment decision made at the wrong time
→ An inefficient retirement-income strategy
→ An insurance or estate-planning gap that went unnoticed
→ Years spent following a collection of disconnected financial decisions

Those costs may be invisible, but they can still affect what you’re able to build, protect, and pass on.

That’s why I believe fees and value should be discussed openly.

In our first meeting, I’ll explain what I charge, what you receive, and how the process works.

If the value isn’t clear, you shouldn’t move forward.

Want a straightforward conversation about where you stand and whether working together makes sense?

Book a 30-minute call with me at the link in bio.

Address

Phoenix, AZ

Opening Hours

Monday	7am - 5pm
Tuesday	7am - 5pm
Wednesday	7am - 5pm
Thursday	7am - 5pm
Friday	7am - 5pm

Telephone

+16027265976

Website

http://www.logancolwell.com/, https://logancolwell.myflodesk.com/linkinbio, http://calendly.com/ewmlogan

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