Abstract: Value Builder Method is a means for preserving principal within retirement, healthcare, education, savings, or other financial accounts to maximize the investment by paying for fees, taxes, and other miscellaneous expenses with separate funds from an outside source or account(s). Many accounts that provide, financial, education, retirement, investment and/or health savings are limited in how much an individual or group can contribute within a year. The amount that can be contributed within a year is a limited resource. Associated fees, taxes, and costs for an account(s) divert investment funds from the primary purpose of the account(s). Value Builder Method saves money within primary account now as well as earning compounded interest in the future.