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Total Wealth Plan
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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.
Protection & Privacy
How Are My Assets Protected?
Your assets are held in a separate account, in your name, at an independent, third-party custodian, typically Charles Schwab Institutional or your employer’s retirement plan custodian (i.e. Fidelity, Vanguard, TIAA-CREF, etc.). These accounts are protected by SIPC insurance plus additional coverage through companies such as Lloyd's of London up to limits detailed by each respective custodian. For additional safeguards in place with Schwab, please visit
Do You Have Access to My Money?
We do not hold client funds directly; they are always held with separate and independent custodians. All deposits to client accounts should be sent directly to the custodian, or if processed by our office, must be made payable to the client’s account and NOT “Total Wealth Planning” or owners or advisors of the firm. Because we are operate a commission free environment, we are often able to help clients manage “held away” accounts like a 401k/ 403b plan. In these special circumstances, the SEC deems that we have “custody” and subjects us to special regulations to ensure the security of client funds including surprise annual audits by an independent CPA firm, Flynn & Co.
Do You Carry Professional Liability Insurance?
Yes, we carry Errors and Omissions insurance, Cyber and Data Privacy insurance. Additionally, we have an extensive internal code of ethics to return client accounts to 100% from any mistake originating from our office.
How Is My Privacy Protected?
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.
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.
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.
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
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Tuesday, February 16, 2021
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