Money is energy, Let it flow!

book cover of Tom

A personalized approach and Evolutionary Method for Valuing and Trading Time, Energy, Relationships, and Money.

by tom shepard, CFP, APMA

Money Isn’t Everything, Everything is Money takes readers through the Seven Financial Natures, illustrating that there is not a one-size-fits-all solution to personal finance. Here, you will discover that there is more than one type of currency, which you trade every day impacting your health, happiness and wealth.  Filled with practical tips, you will immediately apply these principles at home and business.

Hands down, this book is different from conventional books on finance, which often take the approach that there is one way to achieve success: “Deny thyself. Be disciplined. Make sacrifices now and all will be fine in the future.” Instead, this book will allow you to tailor your approach to you.


in this book, you will learn a different approach.

A more personal approach that asks the question: Who are YOU?

In this captivating book, Tom Shepard
will show you how to:

  • Understand Your Financial Nature. This is the hardwiring that influences how you relate to money, consciously and unconsciously over time, which can hold you back. 

  • Expand Your Awareness about other natures and how to flex into them. This will transform your behavior and demonstrate more options.

  • Discover a Pattern of Intentional Evolution. This will encourage you to embrace continuous and incremental change over the course of your life and help you achieve your financial goals.   

Circular diagram illustrating financial personas and levels, including Taker, Spender, Earner, Saver, Investor, Lever, and Giver, with corresponding sections labeled Insufficient, Sufficient, Efficient, Proficient, Productive, Deductive, Inductive.

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Icon of a hand holding a camera with the word 'TAKER' below in a circle
Icon with a dollar bill and arrow labeled "Spender"
Yellow and black badge featuring a gear and wrench icon, with the word "Earner" underneath.
Green piggy bank icon with the word "Saver" below
Logo with a smiling light bulb inside a circle and the word "Investor" below
Illustration of a lever with a circle and rectangle, text "LEVER" below
Purple icon with two overlapping hearts inside a circle, with the word "Giver" underneath.

About TOM

Tom Shepard has worked in finance for over 27 years. He both attended and taught at the Institute for Civic Leadership, and produced writings on the Seven Levels of Sustainable Nonprofits. Additionally, he taught personal finance and mathematics at Gould Academy, and is an avid speaker. Now, he leads Shepard FINANCIAL, a comprehensive financial planning and personalized investment management group, as well as Currency Camp, which offers financial advice to groups and individuals.

Shepard has been a guest on Dr. Lisa Belisle’s “Dr. Lisa Radio Hour” and Debi Davis’s “Mind Your Own Business.”

In addition to his work in the finance world, Tom is an avid lacrosse player and skier. He lives with his family in Cumberland, Maine.

Author of the book Tom Shepard with short, light hair wearing a gray textured vest and white shirt, smiling at the camera against a light blue background.
How you do money, is how you do life. Shift your perspective about managing your finances and you’ll shift your life.
— Tom Shepard

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Book cover for "Money Isn't Everything, Everything Is Money" by Tom Shepard. The cover features colorful fingerprints in a circular arrangement and a quote about valuing time, energy, relationships, and money.

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