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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.
 

Estate Planning

Simply stated, estate planning is a process designed to help manage and preserve your assets while you are alive and to control their distribution after your death. This should be done according to your goals, objectives, and the legacy you choose to leave for the next generation. Your specific plan depends on a number of factors such as your age, marital status, health, wealth, lifestyle, and family dynamics. Further, depending on the size of your estate, establishing a trust can be an effective tool in minimizing the impact of federal estate taxes.

At Total Wealth Planning we work closely with you and your attorney to help guide you through the process. A good estate plan may be worthless if assets are not appropriately titled or beneficiaries are not listed correctly to coordinate with your estate planning documents. We help with instructions from your estate planning attorney, ensuring your estate plan is implemented properly.

The Basics

Regardless of a current estate’s size, there should be a minimum set of standard documents: a will, a durable power of attorney, advanced medical directives, and living trust.

A Will

A will is a legal document that details the distribution of your assets and who will oversee the will’s execution. It may also state who is to care for your minor children. Without a will, the laws of the state will dictate the disbursements. Without a proper will, your ultimate wishes may not be carried out, and your estate could end up paying more in taxes and legal fees than necessary.

Durable Power of Attorney

A power of attorney allows you to designate a representative. It may be your spouse or adult child, to perform certain actions for you, should you become unable to manage your affairs. This representative could, for example, pay bills or make major financial decisions on your behalf, depending on how broad or narrow you limit the powers. Without a power of attorney, your spouse or other loved ones would have to go through the hassle and expense of requesting court approval to carry out needed financial transactions.

Click here to learn more about Advanced Medical Directives and Trusts. 
 
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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
513-984-6696 513-984-6696
info@twpteam.com info@twpteam.com
2021 Annual Retirement Contribution Limit Changes
Wednesday, November 25, 2020


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