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The Wealth Management Plan

We utilize the following comprehensive Wealth Management Plan to uncover your most important goals and to design and implement appropriate recommendations for your desired lifestyle, retirement, and legacy.

  • Detailed Cash Flow Analysis
  • Balance Sheet
  • Retirement Planning Analysis
  • Accumulation Goals
  • Debt Management
  • "What If?" Scenarios
  • Stress Testing
  • In-Depth Planning for Complex Situations

  • Investment Management
  • Wealth Enhancement
  • Includes: An Investment Plan, Investment Proposal, and Investment Policy Statement

Part I

  • Wealth Protection/Risk Management Planning

Part II

  • Wealth Transfer/Estate Planning
  • Tax Planning Strategies
  • Philanthropic Planning

The complete Wealth Management Plan consists of three parts:

1. Financial Plan: This is a comprehensive plan that looks at where you are today and where you want to be in the future. It identifies your goals, and divides them into needs, wants, and wishes. This plan includes a detailed cash flow analysis, balance sheet, retirement planning analysis – including your probability of success, accumulation goals analysis, debt management, “what if?” scenarios, and stress testing to determine if there are any gaps in coverage. In-depth planning is also included for complex situations. We will update your financial plan each year to address your changing needs.

2. Investment Plan: In the investment plan, we look at a wide variety of investment vehicles and recommend the most suitable investments to help you pursue your financial goals. 

  • Investment Management: Professional investment management aimed at growing your money during the accumulation stage and providing reliable and sustainable income during the distribution stage.
  • Wealth Enhancement: Aims to produce the best possible investment returns consistent with your goals and risk tolerance, while mitigating investment risks and taxes.
  • The Investment Planning Process: includes an Investment Plan, an Investment Policy Statement, and an Investment Proposal which provides an overview of your existing investment portfolio, our strategic investment management process, our fees, and our investment recommendations.

3. Advanced Plan: In the advanced plan, we focus on four broad areas of your financial life:

  • Wealth Protection/Risk Management Planning: Aims to protect your family and wealth against potential creditors, lawsuits, healthcare and long-term care costs, and other catastrophic losses.
  • Wealth Transfer/Estate Planning: Aims to facilitate the most efficient way to pass assets to succeeding generations in a way that meets your wishes and protects these assets from potential lawsuits, creditor issues, bankruptcy, and divorce.
  • Tax Planning Strategies: Aims to facilitate tax planning strategies to help mitigate your taxes and the taxes of succeeding generations.
  • Philanthropic Planning: Helps fulfill your charitable goals. It is most effective when coordinated with the three services above.

Together, your Financial Plan, Investment Plan, and Advanced Plan provide the foundation for your Wealth Management Plan. This plan gives us the ability to address a wide range of financial challenges you may face beyond your investments. Having a comprehensive Wealth Management Plan in place allows us to systematically manage all your financial concerns, which in turn maximizes our ability to help you pursue your most important financial goals.

This planning process serves as our framework, but it is only the beginning. To ensure that your family’s most important financial concerns are addressed as needed, we serve as your Financial Director.

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