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Wealth Optimization Client Profile
  • Long-term, big-picture focus
  • Ability to save a min of 15%
  • Retirement planning and wealth protection are primary concerns

Ideal candidates for our wealth optimization process have matured in their financial planning thinking and ability.  They’ve typically removed the hurdles once in their way to saving money, thru retiring debt, increased earnings, or kids leaving the house!  Long-term planning for retirement is now front and center, in addition to protecting what they’ve built from the myriad of wealth eroding factors that exist.  Saving a minimum of 15% of gross household income is not of concern.

Accumulation Planning

  • Pre-retirement focus, geared to answer the key questions of “How much do you need to save, and where do you need to save it?”
  • Efficiency testing and implementation of your optimal annual savings strategy, including both retirement and college funding objectives, if applicable
  • View the Pre-Retiree Client Process

Distribution Planning

  • Near or post-retirement focus, geared to answer the all-important planning question: “Will you run out of money?”
  • Defining and clarifying the functions of your money in order to optimize their efficiencies in-line with your objectives
  • Extensive education on how the various financial tools available to you can work to deploy your income, liquidity and legacy objectives
  • View the Retiree Client Process

Included Services

  • Detailed investment Risk Analysis completed and Professional Portfolio Management thru our fully independent Registered Investment Advisor, and sub-advised by our in-office CFA® partner
  • Full Protection planning module included, in addition to cash-flow strategies if necessary
  • eMoney client access for easy online financial management, organization and storage of key financial data
Cash-Flow Planning Client Profile
  • Short-term focus
  • Debt and/or Expense concerns
  • Budget issues

Quite simply, candidates for our cash-flow planning have the all-too-common obstacle of DEBT holding them back from saving an appropriate amount of money.  Household income is typically adequate, but those resources are hamstrung by student loan debt, mortgage(s), and revolving lines of credit.  Sometimes it’s not debt in the way…  It’s the “B” word (budget!).  Either way, we can help design a plan of attack to get this stuff out of the way as fast as possible, provided the interest in engaging in our Wealth Optimization process within 2-5 years is there.

  • Cash-flow focus, geared to eliminate the hurdles necessary to creating a more systematic and purposeful approach both your long and short-term savings
  • Budget creation and accountability, and including implementation and monitoring of debt payoff/prioritization strategies
  • Protection planning module always included
  • eMoney client access for easy online financial management, organization and storage of key financial data
  • Expectation is to begin our Wealth Optimization process within 2-5 years
Protection Planning Client Profile
  • Short-term focus
  • Large financial responsibilities
  • Care beyond themselves

Although an optimized financial plan always includes both savings and protection, some people aren’t ready for tackling the bigger picture.  Or, similar to the cash-flow strategy candidate, they have some obstacles in the way.  Either way, protection planning doesn’t wait, and must be planned perfectly from day one.  It’s always where to start in the absence of a call to action in another area of planning.  That being said, a lot of younger families start here.  Once again, our objective is to graduate the candidate to our wealth optimization process within 2-5 years.

  • Financial protection focus, answering the question “How much and what types of insurance do I need?”
  • Determining appropriate coverage amounts and limits, product education, and existing policy/contract audits
  • Full coordination of employer provided protection benefits within your big picture objectives
  • eMoney client access for easy online financial management, organization and storage of key financial data
  • Expectation is to begin our Wealth Optimization process within 2-5 years

Compensation Structure & Relationship Expectations