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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.
 

Pre-Retirees / Retirees

Can You Put a Date to Retirement and Be Ready?

The year 2020 has brought many lingering questions, most notably, how do you balance current financial needs and still have enough to get through retirement? Everyone has seen first-hand that health-related expenses and down markets occur and can affect your long-term financial security. It requires you to reevaluate your retirement decisions, investment strategies and healthcare planning frequently.

We work closely with you to give you early guidance and realistic expectations of income streams required in the future. We advise you on the appropriate level of savings, investments, employer-sponsored retirement plans and other investment vehicles most suited to your specific situation.

The real benefit is feeling more confident you are making good life decisions that carry you through retirement. We give you an understanding of where to go from here and how to move forward.

When You are In Retirement, Will Your Money Last?

Getting used to being retired and paying yourself from your savings can be scary, especially in down markets. Switching your mindset from saving to spending can cause emotional stress and anxiety, specifically will your money will last as long as you need it to? We help you through all the questions and provide guidance on your retirement finances and life decisions. We advise you on:
  • Whether to pay off your mortgage before retiring.
  • Social Security considerations and how to maximize your benefit.
  • Post-retirement health care coverage, including Medicare and Long-Term Care planning.
  • The most tax efficient methods and sensible ways to take money from your retirement accounts.
  • How to invest and maintain financial stability in down markets.
Total Wealth Planning reviews all your retirement plans including 401(k), 403(b), 457, and deferred compensation plans and recommends how to structure your different investments. When the time comes to make retirement decisions, we will be there to help determine your best options.

You gain the sense of comfort that comes from feeling more secure in your finances and enjoying your retirement years.
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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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