An Introduction to
Total Wealth Planning
Who We Serve
At Total Wealth Planning, we are proud to work with clients who value comprehensive, unbiased financial advice. We believe in building lifelong partnerships, rooted in trust and understanding, and we know that the best clients come from referrals by those who already know the benefits of working with us.
We specialize in working with a variety of clients, all of whom have unique needs but share a common desire for expert financial guidance and a trusted partner in their journey to financial success. Here are the types of clients we serve best:
What Makes Us Different?
- We tell you the truth no matter what.
- Our strategies are unique to your situation. We help you build a plan so that you will not run out of money.
- We provide peace of mind, and relieve the stress and fear by helping to find clear solutions to your most complex questions and goals.
1. Individuals & Families
We work closely with individuals and families to help them navigate the complexities of wealth management. Whether planning for retirement, funding a child’s education, or managing a financial windfall, we provide personalized strategies to support their goals at every life stage.
2. Business Owners & Entrepreneurs
Owning a business requires a careful balance between personal and business financial needs. We help business owners make sound decisions that align with their broader financial goals, providing guidance on retirement plans, succession planning, tax strategies, and risk management.
3. Executives & Professionals
Professionals often face unique financial situations, from stock options and bonuses to retirement planning and tax-efficient wealth strategies. We help executives and high-earning professionals maximize their opportunities and ensure their wealth is working as hard as they are.
4. High-Net-Worth Individuals
We offer specialized wealth management services for high-net-worth individuals, including sophisticated investment strategies, estate planning, tax-efficient wealth transfer, and philanthropic giving, ensuring your wealth is protected and aligned with your long-term goals.
Great fit clients are typically:
- A desire to live a more meaningful life through delegation and a partnership with our team.
- A longer-term investment objective with a willingness to communicate expectations and ignore the financial noise.
- Recognition that we don’t have all the answers, and that financial planning and investing – like life – is not an exact science.
- High income families who have been able to save at least $250,000 of investable assets.
Clients that are not typically a good fit
- Spend beyond their means and maintain an unsustainable lifestyle.
- Have unrealistic expectations for investment returns that “consistently beat the market”.
- Those seeking market timing or day trading investment strategies.
- Do not value ongoing and proactive advice on your Total financial situation.
- Non trusting and unwilling to share personal information.
Our Services
Proactive Investment Advisory
We partner with you to make investment decisions based on data and science, not hunches and forecasts.
Our investment approach is grounded in controlling risk to reliably achieve your most important lifetime goals.
Wealth Planning Services
Through a variety of ongoing discussions, we listen to your definition of success and will form the right team of professionals to help you get there.
Our process listens to your goals and creates an initial custom tailored plan for your family’s success. Our ongoing process serves, implements, and adjusts as life and legislative changes happen. This keeps everything on track as life twists and turns.
Tax Reduction Planning
It’s not always what you make, but how much you keep. Good tax planning can help you keep more of your hard-earned wealth.
Our Tax planning and coordination services are designed to help minimize your tax headaches and liabilities to maximize the wealth available for your goals.
Estate Coordination
A component of any good plan is to ensure that you have peace of mind knowing where your wealth ends up.
Philanthropic Planning & Activities
Excellent Tax Planning and Charitable giving are closely linked.
For those that are charitably inclined, we coordinate your primary goals with your charitable goals and the opportunities these create for valuable tax planning. We help provide confidence that your wealth is efficiently enabling the organizations and activities that you are passionate about.
What are Total Wealth Planning’s obligations to me?
- To serve as your fiduciary – treating your money with the same care and prudence that we would treat our own or our family’s.
- To have no allegiance to any company, product, or service beyond our belief in its ability to achieve your goals.
- To treat your financial information in strict confidentiality.
- To treat you with respect, professionalism, honesty, and to maintain a nonjudgmental attitude toward the goals and information you present to us.
- To deliver important advice, even if it may create discomfort in the short-term.
- We will uphold the highest standards of care in the industry by espousing and practicing: Objectivity, Fairness, Suitability, Full Disclosure, Confidentiality, Integrity, Honesty, Professionalism, Competence, and Regulatory Compliance.
- Your unique plan will be created using our experience and wisdom earned by served others like you. Together, we will function as architect and builder of your Total Wealth Financial Plan.
Are you ready to have a conversation about your journey to financial independence and prosperity?
We promise no pressure, no obligation and absolute transparency about our process and fees. We are morally and legal bound by the highest of Fiduciary standards and duty of care as fee-only Certified Financial Planners working for an employee owned registered investment advisor.
We thank you for your interest and look forward to talking about a future partnership together.
What Our Clients Say About Us
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