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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.
 

Investment Management

Win by not losing. Total Wealth Planning’s approach for managing our clients’ investment portfolios is to “win by not losing”.

Total Wealth Planning’s investment process is based upon Nobel Prize winning academic research and the analysis of two renowned economists, Harry Markowitz and William Sharpe. Their research has produced what is known as Modern Portfolio Theory (MPT) and is the foundation for the portfolio management that Total Wealth Planning has delivered to clients for over 25 years. Rather than chasing last year’s best performing investments, or speculating on the future performance of a limited number of securities, MPT focuses on managing the risk of the portfolio by diversifying across multiple asset classes. With the uncertainty and volatility of the global investment environment, MPT has made traditional portfolio management obsolete.

MPT research proves that by investing in 15-20 different asset class, all of which have a relatively low correlation to each other, a high level of predictability can be achieved, which allows for greater wealth creation over time. The same research proved that other factors such as market timing and security selection play only a minor role in portfolio growth and risk management. In fact, over 90% of total investment return is determined by how much each portion of an investment portfolio is allocated to various asset class components (worldwide in equity and fixed income markets).

Through a rigorous analysis of a client’s risk tolerance, Total Wealth Planning’s intent is to create a successful and rewarding investment experience. Properly implemented, a diversified portfolio will deliver relatively predictable results, limiting the downside potential, while providing opportunities for growth over the long term. By managing the downside risk, each client should expect to “win by not losing”, shortening the recovery time required to restore value from a temporary decline, and thereby providing additional growth and wealth creation much sooner. The next step is to fill each of the asset classes, with “best in class” investments, thoroughly researched by Total Wealth Planning’s Investment Committee.

What Makes Total Wealth Planning Different?

Investment ManagementOther firms also claim MPT as their investment approach. But creating a diversified portfolio of asset classes alone may not comfortably protect portfolio values in bear markets. Do you remember 2008? Nearly all investments in equities, real estate, and commodities declined in value - at the same time! We serve as a personal advocate and legal fiduciary for our clients, so we go further than most investment managers to reduce volatility, ensuring that thorough diversification is achieved by investing in low cost, institutional shares of mutual funds, exchange traded funds (ETFs), and even customized structured products.

Dave Wilder Quote “As Chief Investment Officer, my goal has been to create a successful investment experience for our clients. As a result, we’ve been able to retain 95% of our clients.”

- DAVE WILDER, CFP®: PRINCIPAL AND CHIEF INVESTMENT OFFICER

Dave Wilder Quote

Since its founding in 1989, in addition to protecting against the downside risk, Total Wealth Planning has focused on creating wealth through opportunistic profit taking, tax loss harvesting and rebalancing amongst asset classes. We also successfully use our proprietary process of evaluating market and business cycles, asset class valuation, and investor behavior.

Specifically, implementing a “Tactical Asset Allocation” strategy manages today’s extremely volatile investment environment. We proactively overweight and underweight the portfolio’s asset class holdings, based on Total Wealth Planning’s in-house economic forecasting analysis. This is an ongoing prudent market tuning process, not a risky market timing process. We achieve more predictable investment performance in a way that reduces disconcerting volatile performance.

Sheltering Your Portfolio

Total Wealth Planning’s investment advisory service ensures your portfolio is sheltered from self-serving high costs and safe from fraud. As a fee-only investment advisor, we never offer financial advice supporting high cost, self-serving commissions. That approach most often results in recommending underperforming investment products and services.

Instead, we recommend globally-arrayed, institutional mutual funds and ETFs - requiring no costly commissions - at extremely low internal costs. This translates to better investment performance for your portfolio. Furthermore, we always house your investment accounts with a reputable third-party, institutional custodian. That ensures your investment holdings are independently secure and protected against fraudulent possibilities.

Moreover, so you know and monitor your investment results, Total Wealth Planning regularly provides personalized, easy-to-understand and accurate investment performance reports.

Ask yourself these questions about your Investment Portfolio:
  • Is your portfolio safe from a stock market crash?
  • Are you properly diversified to reduce risk?
  • Are you paying too much in commissions and fees?
  • Does your portfolio match your tolerance for risk?
  • Have you selected the best 401k investment options?
  • Do you know what realistic risk and return performance to expect on your investments?
  • Is your portfolio protected against taxes and inflation?
Total Wealth Planning can help you with the answers!

Interested in winning by not losing? Contact us for a no-obligation meeting or telephone call.
 
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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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Tuesday, September 22, 2020


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