OUR PROMISE TO YOU

What makes us distinct is 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, kids, retirement, healthcare and other important priorities. It’s about life planning and gaining more comfort with your long-term financial security.

Financial Planning

Looking for a firm to help plan your dream? As a fee-only wealth advisor firm, Total Wealth Planning embraces the fiduciary standard requiring us to always act in your best interest, at all times.

Financial Planning

Our certified financial planners (CFP®s) work with you to determine current and future goals. Total Wealth Planning doesn’t stop there. We develop a comprehensive financial plan, providing a step-by-step guide to help you achieve them. Then we go the extra mile. Total Wealth Planning will closely monitor your progress along the way, making any necessary adjustments.

Financial Planning: What’s the Process?

Comprehensive financial planning assesses your entire current financial situation by analyzing assets, liabilities, insurance, cash flow, income, taxes and investments. A truly comprehensive process requires you to provide a number of personal documents (see our checklist) for our team to review, research, and incorporate into your overall plan. The process also identifies your concerns and develops an implementation plan to address them.

“People are looking for a partnership. We can help them set goals for retirement or help fund their kids’ college. Maybe it’s transitioning assets to the next generation.”

- ROB LEMMONS, CFP®, CPA: PRINCIPAL AND DIRECTOR OF FINANCIAL PLANNING

Anyone can call themselves a financial advisor. To get started, it’s important to inquire about experience and educational background, as well as services offered. Look for an advisor who has proven experience in financial planning such as retirement planning, investments, tax planning, estate planning and insurance and risk management. Determine what qualifies the advisor to offer financial planning advice and whether he or she holds any professional designations.

Partners in Planning

The Total Wealth Plan is a comprehensive planning process that serves as an ongoing informational tool. It incorporates those adjustments required as your financial situation changes and monitors results from strategies implemented. At Total Wealth Planning, we partner with clients to:

Help establish your specific financial and personal goals and objectives.
Educate you about specific solutions. Then we create a comprehensive plan to implement strategies, including investment programs.
Guide you along the journey, making necessary adjustments to changing circumstances and goals.

Total Wealth Planning provides an array of financial planning services. When you work with Total Wealth Planning, you’ve found a true partnership - serving and advising you at each critical stage in life - every step of the way for:

College planning. Paying for, financial aid, selection, responsibilities and what to avoid.
Managing risk. Life, long term care, disability Insurance, property and casualty
Charitable giving. Strategy for planning and the right vehicles.
Tax planning. Assets, income, capital gains and more.
Estate planning. Manage and preserve your assets for later distribution.

It can be difficult enough to get where you’re going with a plan. But it’s nearly impossible to reach your goals without one. Call us today, let’s partner and plan!

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.

Learn More

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.

Learn More

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.

Learn More

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.