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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.
 

Getting Started

Getting Started on the Path to Growing Wealth

Growing wealth is most effective when started at an early age. It starts with a disciplined decision to pay yourself first, then compounds with a disciplined investment approach.

If you’re in the early stages of building wealth, certain time-tested habits will enable you to get there faster.

Invest Time on a Spending Plan

Getting Started on the Path to Growing Wealth

Cash flow management is about developing a spending plan that projects you spending less than your expected income.  A properly crafted plan allows you to achieve your short-term and long-term financial goals. Poor cash flow management practices can lead to financial anxiety and stress.  Regardless of our income level, being thoughtful about your spending plan is the key ingredient to growing your wealth over time.

What Should a Spending Plan Look Like? How Should You Manage Your Cash Flow?

  • Develop a historical budget. Using past statements, check registers, or online tools such as Mint.com, it’s important to know where you’ve been before you can project where you’re going.
  • Design a surplus plan. If you want to save more and get ahead, look over your historical budget and make a commitment to spend less on certain discretionary areas over the next few months or year.
  • Pay yourself first. Living on less than you earn positions you to pay yourself first. Establish automatic deposits into short-term and long-term goal accounts and factor these investments as regular expenses paid to your future independence.
  • Get started NOW. The positive reinforcement of watching your net worth grow and making your goals a reality is a powerful force to take additional steps to accelerate this growth.  Simply put, don't wait to put good financial habits into place.  Time is the most important element to growing wealth (Thanks to compounding).
At Total Wealth Planning, we are not just financial advisors. We’re also financial coaches. Every client must truly buy into and “own” a real responsibility for building wealth. We will help guide you with knowledge and tips of best practices, as well as strategies and execution.

Where and How to Invest?

Where should you save: Savings? Roth IRA? 401(k), 529? Answer: All of the above in strategically planned proportions.

When you develop a plan for investing, the priority of where and how to invest should be guided by your specific goals. Also, it should naturally encourage you to do more as you see it working - encouraging you to increase further.  The opposite can be true of a poorly structured plan with high cost, front-loaded products with little or no growth discouraging future investment.

Rob Siegmann Quote “I believe Total Wealth Planning’s purpose is to provide a place where families can count on us to listen, understand, and find solutions to their financial goals and concerns.”

– ROB SIEGMANN, PRINCIPAL AND CHIEF OPERATING OFFICER

Rob Siegmann Quote

Plan for Superior Results

Growing WealthTotal Wealth Planning has an investment strategy that has historically provided results while minimizing risks. We believe a successful investment plan should embrace the following tenets:
  • Broadly diversify among stocks, bonds and other diversifiers, including both large and small sized companies in and outside the United States.
  • Minimalize investment costs, allowing the investor to keep more return.
  • Match your risk comfort to guard against natural, human emotions (fear and greed).
  • Employ a disciplined rebalancing approach to trim profits as they occur, then reinvest in future opportunities that may be out of favor now.
  • Use an approach any investor can understand and articulate.  Overly complicated strategies don’t promise additional returns, and often add risk of market or fraudulent losses.
  • Provide liquidity for life’s unplanned surprises
We partner with clients to develop a wealth accumulation plan and put it into practice. Our professional advisors monitor your progress and provide regular updates. 

A Holistic Approach to Analytically Reaching Goals

It may be complex, but financial planning is not rocket science. Most intelligent people can develop a plan and make good investment choices. But how many dedicated personal hours and missed family opportunities must be sacrificed to manage:
  • Rebalancing. The concept of trimming profits on profitable areas, and using those proceeds to buy undervalued portfolio assets.
  • Professional Decision-making. As human beings, we’re wired to be emotional about our money and family’s well-being. A professional advisor should be objective and have conviction in making decisions.
  • Barrage of Financial News. Every day we are bombarded by economic, investment and financial news. Separating the noise from the news takes a team of experienced professionals.
  • Uncover and properly implement opportunities for Tax reduction,  Insurance coverage right-sizing, charitable giving, and other important elements of a Total Wealth Plan. 
Are you saving too much or too little? Are you saving for college expenses? Planning for retirement? What about your legacy to the next generation?  At Total Wealth Planning, you’re in the right place for thoughtful answers.  Over the years we’ve served hundreds of clients, and earned long-term multi-generational relationships.

We meet you where you are in life, help you set goals and then craft a plan together. Total Wealth Planning can advise you on all aspects of growing your wealth, without sacrificing time for what’s important to you. Whether it’s building wealth for the next generation, enjoying today or a combination of the two, we encourage you to contact us for a professional evaluation.
 
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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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FAFSA Application Season Starts October 1st
Tuesday, September 22, 2020


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