Customized Written Financial Blueprint

Our Process: 

Our team will prepare a customized written financial plan for you with your vision for the future at the top.

  • Where we start

    We start by understanding what your thoughts, feeling, and experience with money has been and by understanding what planning you have done up until the point of meeting us. Then our team works together to come up with an analysis of your current situation compared to your desired outcome. The leads to a written customized financial blueprint that we prepare with recommendations on it regarding defensive, offensive, and preservation planning. The recommendations are specific enough to you that any qualified professional could help you implement them. 

  • Where we go

    At the end of those conversations, clients then decide to work with our team or not. The clients we work with on an ongoing basis we meet with when major life events happen and/or 1-2 times annually to address their planning and keep the long-term focus. 

Our Services. Client Engagement Options.

Below is a list of the potential services we can offer to clients through our team and our strategic partners: 

 

Our Services: 

Defensive Planning:

  • Employer Benefits Optimization
  • Debt Management
  • Cash Management Strategies
  • Life Insurance Planning
  • Disability Income Insurance Planning
  • Long-Term Care Planning
  • Auditing health insurance & P&C insurance*

Northwestern Mutual does not offer these products.

Offensive Planning:

  • Advisory Wealth Management
  • Customized investment selection
  • Dynamic asset allocation
  • Tax-Efficient asset location
  • Year-round tax management through tax-gain/loss harvesting**
  • Active strategic rebalancing
  • Concentration position management
  • Roth conversions & Roth funding
  • Education funding

Preservation Planning:

  • Estate document review
  • Trust planning & beneficiary planning
  • Charitable gifting strategies
  • Generational planning with beneficiaries
  • Coordination with Estate Attorney
  • Retirement & Income Distribution planning
  • Tax Bracket Management**
  • Maximizing Social Security benefits
  • Creating a retirement paycheck

**Financial Representatives do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation.

Business Planning:

  • Leveraging tax strategies for owners**
  • Optimizing retirement plan offerings
  • Designing non-qualified benefit plans
  • Group benefit planning
  • Insurance & risk management planning
  • Key employee strategies to reward & retain
  • Buy-sell planning
  • Exit planning strategies

 

Client Engagement Options: 

Advisory Wealth Management

  • Fiduciary Standard of Care
  • Fees based on assets under management
  • Ongoing implementation of asset management and planning services

Fee-Based Planning

  • Fiduciary Standard of Care
  • Fee based on scope of work and complexity
  • Written plan with audit and recommendations

Individual Product Solutions

  • Suitability Standard of Care
  • Commission based compensation
  • Ongoing implementation and servicing of products