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Our Promise To You

We provide a comprehensive view of your financial life and all the factors that go into life planning. What this means to you is help with personal decision making and putting a date on things. We help you manage your finances and investments, while taking into consideration tax planning, professional moves, children, retirement, healthcare and other important priorities. It’s about life planning and gaining more comfort with your long-term financial security.
 

Advanced Medical Directives

Advanced medical directives let others know what medical treatment you would want. Or it may allow someone to make medical decisions for you, if you are unable to express your wishes. There are three basic types of advanced medical directives. The required documents vary from state to state:
  • A living will allows your representative to approve or decline certain types of medical care, even if you will die as a result of declining care. In most states, living wills take effect only under certain circumstances, such as terminal injury or illness. Generally, one can be used only to decline medical treatment, if its only purpose is to prolong the moment of death. In those states that do not allow living wills, you may still want to have one to serve as evidence of your wishes.
  • A durable power of attorney for health care (known as a health-care proxy, in some states) allows you to appoint a representative to make medical decisions on your behalf, if you are unable to.
  • A Do Not Resuscitate order (DNR) is a doctor’s order that tells medical personnel not to perform CPR if you go into cardiac arrest.

Trusts

There are over 50 different types of trusts available. One of the most common is a living trust (also known as a revocable or inter vivos trust). It is a separate legal entity when you own property, such as your home or investments. The trust is called a living trust because it’s meant to function while you’re alive. You control the property in the trust, and, whenever you wish, you can change the trust terms, transfer property in and out of the trust, or end the trust altogether.

Not everyone needs a living trust, but it can be used to accomplish various purposes. If you’re concerned about privacy, property in a living trust is not included in the probate estate. Therefore, it’s not subject to public record.

Depending on the situation and state laws, the probate process can be simple, easy, and inexpensive. Or it can be relatively complex, resulting in delay and expense. This may be the case, for instance, if you own property in more than one state or in a foreign country, or have heirs who live overseas.

Transferring property through a living trust provides a quicker, almost immediate transfer of property if desired. Or it can apply certain restrictions to the timing and size of the distributions to beneficiaries.

Click here to learn more about Multi-Generational Planning and Asset Distribution to Beneficiaries. 
 
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INVESTMENT
MANAGEMENT

Our investment management process is focused on helping you maintain financial stability, preventing mistakes and accomplishing your investment objectives. We don’t just focus on market performance or predictions. We focus on what performance means and how it impacts your long-term goals. It starts with returns, but it is about making life decisions. Working together, you gain a degree of confidence when uncertain times come.

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RETIREMENT AND
TAX PLANNING

We help you determine how long to work and when to retire to continue your lifestyle. We analyze when and how to take money from your portfolio to replace your paycheck, with an eye on tax efficiency, spending, healthcare and social security maximization. We address the primary concern of having your money last for the rest of your life.




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HOLISTIC/COMPREHENSIVE
PLANNING

Our comprehensive planning focuses on real life. It’s putting a date to your goals and steering your life based on analysis, giving you choices and alternatives. You gain the ability to see how reachable your goals are. It starts with getting to know you and the way you want things done to fulfill your needs. We take into consideration your family and all the secondary factors that go into a comprehensive financial plan.


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WE'VE BEEN LISTENING
FOR OVER 30 YEARS

Total Wealth Planning’s team of Certified Financial Planners® are here to listen to you and your questions. We never want you to feel rushed. The real benefit is having a road map to help ensure the key elements of your financial life are in order.


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4665 Cornell Rd. Suite 160, Cincinnati, OH 45241 4665 Cornell Rd. Suite 160, Cincinnati, OH 45241
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info@twpteam.com info@twpteam.com
2021 Annual Retirement Contribution Limit Changes
Wednesday, November 25, 2020


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