The 8 Wealth Management Principles℠ can be your guide


Baby Boomers who wished they saved more


Average amount of company matching 25% of American workers miss out on annually


Amount spent on healthcare in retirement


Savers who don't budget for leisure activities in retirement

(1) Insured Retirement Institute | Boomers Expectations for Retirement 2016

(2) 401(k) Fast Facts, (Washington, DC: American Benefits Council, 2014) documents2013/401k_stats.pdf

(3)Fidelity Investments 2015 Couples Survey, June, 2015. The 2015 Fidelity Investments "Couples Retirement Study" analyzed retirement and financial expectations and preparedness among 1,051 couples (2,102 individuals). Respondents were required to be at least 25 years old, married or in a long-term committed relationship and living with their respective partner, and have a minimum household income of $75,000 or at least $100,000 in investable assets.


Discover how these 8 Wealth Management Principles℠ can address your most important financial needs.


Your Needs First

Sure, we could be like other investment advisors and only worry about how much money you have to invest with us.

But, we're not like other advisors.

We've found that having a solid understanding of where you stand financially, helps us manage your money even better.

That's why we've developed the 8 Wealth Management Principles℠ to gain that deep understanding of how we can serve you best.

Read more about how we get to know you better below.

What are the 8 Wealth Management Principles℠?

1st Principle - Investment Management

You’ve probably been bombarded with investment advice from every direction.

Whether it’s “financial experts” from the media or on a commercial, it seems everyone is offering an opinion regarding your financial future.

Regardless of all these “expert” opinions, as your Advisor, we'll learn your unique financial situation and then offer recommendations that will truly benefit you.

When crafting your strategy we consider your:

  • investment goals
  • comfort level
  • expectations
  • income needs
  • family dynamics
  • and more

2nd - Cash Flow & Debt Management

By evaluating how you spend your money each month, we may be able to identify opportunities for improving your cash flow.

This may include simple tax strategies and debt management solutions such as refinancing, debt consolidation, or resolving IRS issues.

By leveling the investment playing field, you may discover there’s more money to invest toward your financial goals than you originally thought.

3rd - Family Risk Management

One thing is for sure – life is filled with a series of unexpected events.

That’s why it’s important to help you consider potential risks when devising a financial roadmap.

Even the most well-intended plans can crumble in a second when faced with a sudden death, disability, or long-term-care need.

Part of providing you with a comprehensive plan means knowing the possibilities that could possibly threaten your financial future.


4th - Retirement Planning

With improvements in healthcare, life expectancy is on the rise.

The ability to retire in financial dignity is becoming a top concern for many.

The first step in addressing this growing concern is obtaining a clear vision of how you define retirement.

In other words, what are you hoping to achieve? Identifying these desires will give us a starting point for determining the level of assets needed to fund that vision.

Regardless of your stage in life, we utilize a leading-edge planning tool that will detail the necessary steps to take in order to turn your goals into a reality.

5th - Education Planning

It’s without question many parents dream of sending their child to college.

Education savings plans can be confusing, and it’s important to have someone who can help you understand how your savings will affect your child’s or grandchild’s ability to qualify for financial aid, as well as the implications for your income, gift and estate tax situation.

With the many education savings plans available, we can offer a solution that doesn’t interfere with your other investment planning goals.

6th - Legacy and Estate Planning

One aspect of planning that is all too often overlooked until it’s too late is legacy planning.

Ultimately, a legacy plan is what ensures that your wishes are upheld at the time of your passing.

While legacy planning is a complex and emotional subject, it’s one of the most critical discussions to have for a number of reasons.

By devising a legacy plan now, we can help you minimize potential estate taxes and maximize the funds left to your family.

Although this topic may be uncomfortable, it’s a conversation you will be forever grateful you had.

7th - Business Planning

Running a business is no small feat.

With countless immediate business needs competing for your attention, it’s no wonder long-term planning falls by the wayside.

Unfortunately, this lack of preparation places you in a very precarious position.

For this reason, it’s important for me to help establish a plan that not only protects your personal needs, but also the future of your business.

8th - Tax Planning

It's a fact of life, everyone pays taxes.

However, the real mistake is OVER-paying them.

For this reason it’s important for us to understand what you'd like to do with your investments so we can help you do it in a tax-efficient manner.

Whether it’s tax loss harvesting, selling a home or encountering unexpected income from stock options, having a tax plan in place can make all the difference.

We want to ensure you pay only the legal amount of taxes you owe and NOT A PENNY more.

Would like to speak with an advisor to go over the 8 Wealth Management Principles℠? Let's talk, 949-264-3326.

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