Private Wealth Management

Accumulation

In the Accumulation phase, you should consider things like cash flow, investment options, and risk strategies. More importantly, you should be thinking about how all the choices you make align with the goals you set in life. While goals are important at all stages of your life and during the Wealth Cycle, you must remember that your goals may change as your journey evolves. To prepare for that journey, we have the tools to analyze, assess, and educate you as we guide you in building your wealth.

Protection

You need to make sure you are protected with the right tools. There are many types of insurance that do this: life insurance, healthcare coverage, disability insurance, and more. How can you be sure about what you need right now? After all, just like your goals, how much protection, as well as what kind of protection, do you need over the course of your life? Think about it, if your car got totaled tomorrow in an accident, would you have the cash to replace it and buy a brand new one? Most people don't, and that's why they have car insurance. Well, this same principle applies to people's lives. If your ability to earn money as a human is one of your greatest assets to provide the stability you need for you and your family, what will happen if you get into an accident? It will be devastating, both emotionally and financially. People often think financial protection means just investing conservatively with their money, but that's only a small part of it. The second stage of the wealth cycle is the protection phase.

Distribution

A proper distribution plan means taking out and spending your money in the most effective way possible. To do this, you'll need to know your investments inside and out. Not only that, but you'll also need to know how the market affects your investments, how to best use your company's retirement plans, how to calculate medical costs, how to choose the right Medicare, how to pick the correct Social Security options, and more. The last thing you want to do is to spend the rest of your life trying to figure all of this out. Instead, let us take care of that for you, so you can enjoy the longest vacation of your life.

Transfer

Retirement planning culminates with this critical question:

"What do I do with what I have left?" The last stage in The Wealth Cycle is the transfer stage. It's the point in your life where you want to leave a legacy behind. After all, every end is just a new beginning, as you transfer your assets to those who are important to you. Just like every other stage of the wealth cycle, even giving involves a well thought out transfer plan. With the right plan, you can transfer your assets in the most risk-and tax-efficient way possible. This means having peace of mind while providing the gift of wealth to your loved ones, family, and/or charities. We can do this by working closely with you and your future beneficiaries. This way, you can feel confident in the proper management of your assets. Best of all, you can take pleasure in knowing that you have helped your loved ones enter into their own wealth cycles.