Part 2: Grow

To have money to protect, you need to have a plan to make it grow. This is where the power of wealth management and accumulation planning comes in. We take an intentional and systematic approach to investing and wealth management, ensuring that four critical elements of analysis take place to assure you that we are investing your money in the most appropriate ways for your unique needs.

Life Stage Analysis

We start by carefully looking at where you are and your tolerance for risk…

Does age matter when it comes to investing? You bet it does. If you think about it, you probably don’t have the same financial goals or risk tolerance as you did in your twenties, thirties, or even a year ago. For example, how a high school student should handle money is different from how someone preparing to retire should manage money. Teenagers have to worry more about saving for their education than preparing a will, and new families may not have as much extra income to spend on fun things as retired couples.

Asset Analysis

Asset Analysis

Then we take a look at what you have ...

Your personal assets include cash and cash equivalents, certificates of deposit, checking, savings accounts, money market accounts, physical cash, Treasury bills, property or land, and any structure that is permanently attached to it. Your assets may also be personal property like boats, collectibles, household furnishings, jewelry, vehicles or investments like annuities, bonds, the cash value of life insurance policies, mutual funds, pensions, retirement plans (IRA, 401(k), 403(b), etc.) stocks.

Income Assessment

Next, we look at your cash flow and income...

Assessing your income is as simple as it sounds, yet it is vitally important. Here we look at money received regularly for work or through investments.

Needs Determination

Needs Determination

And finally, we determine what you still need to get to where you want to be.

Determining your financial needs is almost like going to the doctor for a check-up. We look at specific areas to determine how you're doing and what you need more of as well as less of. First, we look at your symptoms - what you already have in assets - and compare them to your diagnosis - what you need to achieve. We then prescribe your treatment which is essentially how to use your assets to your advantage so that you can gain more assets for a positive retirement.

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