UlTImATE SUccESS GUIdEfor each and every client is to increase the client’s overall net worth by
tax, investment and real estate strategies.
Current income and estate taxes are seeing drastic changes. Everyone
should be planning and reviewing for future financial decisions with our
Wealth Team!
tRUstIng YoUR ADvIsoR Who hAs
A PlAnnIng PRoCessDuring a planning process, we will review all potential problems for the
short term as well as long term planning. This is critical to know so you
stay on track with your goals.
It will also allow for the realization of changes needed to be made much
sooner. Has your financial advisor completed a personal financial state-
ment to determine your true net worth? We do this to understand every-
thing you own, including multiple entities, to focus on the five areas of
planning. These planning areas include personal, estate, business, suc-
cession, and real estate planning.
In addition, we believe income planning for life and tax planning each
year will reduce market and tax risks for your lifetime.
RevIeW RIsk AnD ReWARD sCenARIosIf you are 65 years old, it is well known to many advisors, as a rule of
thumb, that if you take your age from 100, this will be the percentage
you should be risking your investments and portfolio. Therefore,, 35%
in the market is really the highest a 65 year old should invest unless their
net worth is extremely high. Today, we see many brokerage firm advi-
sors investing in just the opposite, and as high as 80% in many cases.
This leaves portfolios with some serious ‘downturn’ in market expo-
sure. That is 80% in growth-type investments without really knowing
their positions in these investments.
keePIng the APPoIntMent PRoCess sIMPleWhen you have a Team of Advisors who work together, most clients will
be able to finish the planning process in two appointments. Exceptions
will apply for higher net worth clients with needs for multiple strategies
and solutions. We believe after two appointments, the prospective client
and the advisor will have enough time to determine if it’s a mutual fit