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5 Reasons to Choose Total Wealth Planning

Below are 5 reasons to “Choose Total Wealth Planning” when thinking about your finances, your wealth, and your future goals.


Total Wealth Planning Is Distinct from Other Financial Advisors and Wealth Management Firms

First and foremost, Total Wealth Planning is an independent and fee-only firm – honoring our fiduciary responsibility and serving clients’ best interests since 1989. This is distinct from other wealth management advisors who work for large financial services firms. They are loyal to their employer, not their client, and often have quotas or production requirements mandated by their firm.


The Fiduciary Standard Defines Our Advisory Relationship with Clients

The fiduciary standard differentiates how most “financial advisors” work with their clients. Over 90 percent of financial professionals are paid (fully or partially) by commissions. They promote self-serving products and services to maximize their income. By choosing to be fiduciaries, Total Wealth Planning, and all of our advisors, are legally and morally bound to provide the best possible advice that is in your best interest. What this means is your interests never take a backseat to ours. You have a true sounding board to help you decide what is best for you and your loved ones.


A Fee-Based and a Fee-Only Financial Advisor Are Significantly Different

As a fee-only financial advisor, Total Wealth Planning does not receive any compensation or commissions from a brokerage firm, mutual fund, insurance company, or any source. We are focused on your personal financial security and will always do what is right for you and your family. Clients pay us directly, which means our compensation is tied solely to the value we provide you.


Wealth Management and Investment Management Are Not the Same

Most investment management firms only manage money. The process is often detached from the clients’ other circumstances. As a wealth management and financial planning firm, Total Wealth Planning organizes all of your assets, investments, and financial affairs into a comprehensive plan. We guide you in your personal decision making and provide a roadmap for your life. We counsel you on investments, retirement, tax planning, estate planning, college funding, and income protection, to name a few. You gain a complete view of your finances to know where you are now and how to move forward. The real benefit is gaining clarity about what you want to accomplish and what it will take to get there. We continuously evaluate your circumstances – and the performance of your entire portfolio – to make sure you are on track as your life’s needs change and evolve.


Total Wealth Planning Serves Specialty Service Niches

As an independent business, working with business owner clients for over 30 years, Total Wealth Planning knows first-hand about the concerns, risks, and rewards business owners face. We relate to and advise you – as peers. We help you understand the timelines of key events. We guide you in increasing the value of your company, balancing your personal and business finances, and having an exit strategy when ready. The real benefit is having a trusted team that watches over your financials holdings so you can focus on other things in life.

These are just 5 considerations to help you better understand the basics of wealth management and what makes Total Wealth Planning distinct. To learn more about what Total Wealth Planning can provide you and your family, always feel most welcome to contact us.

We are here for you.