Phases in Wealth Management

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A Proper Financial Plan MUST addresses all four phases of Wealth

• Accumulation
• Distribution
• Preservation
• Effectiveness

Accumulation:  This is the pre-retirement phase; what we put aside today for tomorrow.  Many focusing on accumulating as much as possible, however you may not need as much as you think you do!  Over-Accumulation often comes at the expense of living today.  You can accumulate while living the life you want today, making the memories with your family you want to make today and not going into debt to do so.  Live today without sacrificing tomorrow.

Distribution: This is the retirement phase.  Ask yourself, is it more important for me to accumulate as much as possible for retirement or is it more important to fully use my assets in retirement.  How many people are afraid to fully make use of their assets in retirement for fear or outliving the asset for fear of not leaving a legacy?  We will demonstrate how we will give you permission to enjoy the best retirement possible.  Live well in retirement without affecting your legacy!

Preservation: Many people want to leave a legacy but do not know how to structure their financial life so that they can live the life they want without using affecting the inheritance.  This is possible to do, but your plan must be structured properly.

Effectiveness: If you were to board an airplane and prior to takeoff, the pilot were to come over the intercom and announce that there was an 80% chance of arriving at your destination and a 20% chance of crashing, how likely would you be to stay on that plane?  I would also exit the aircraft.  Why should we expect anything less from our financial plan?  How often have you heard that you have to take on more risk to get more reward?  Taking on more risk, usually means you have more risk.  Your pan should minimize risk, not embrace it.  Don’t accept an 80% probability with your future.

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