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TOTAL WEALTH PLANNING VALUE STATEMENT

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.
 

Senior Year

Student To Do List:

Work hard all the way to graduation - second-semester grades can affect scholarship eligibility. Stay involved in after-school activities and seek leadership roles if possible. 

Fall

Firm up narrowed list of 8-12 colleges for application. Make sure to include “good” financial aid schools that meet selection criteria and where the student profiles in the top 20% relative to all other applicants. Include at least one in-state fallback school.

Determine the information required to submit the FAFSA, and any further financial aid forms, such as the CSS Profile form or Institutional forms from each college. The FAFSA is available on October 1st and financial aid forms should be filed as soon as possible.

Obtain admission applications and prepare to meet specified requirements for narrowed list of colleges. Determine and be prepared to meet admission and financial aid application deadlines. Start submitting, through guidance department, the required admissions package for each school. Be prepared to counter possible resistance from guidance counselor to submit applications to the recommended eight to twelve schools.

Complete any last scholarship applications.

Continue to visit more college campuses on the narrowed list. Thoroughly explore campus, classrooms and dorms. Speak with students and faculty. Meet with admissions and financial aid officers. Include, if possible, the experience of a student on-campus overnight stay. 

Spring

Before you make your final decision, make one last visit to your top three schools to firm up your decision points.

Collect your college acceptances and compare and review the colleges’ financial aid award offers with your parents for any negotiation or award review possibilities.

When you decide which school you want to attend, notify that school of your commitment and submit any required financial deposit. Many schools require this notification and deposit by May 1.

Parent To-Do List:

Work with your child on filling out the FAFSA and any further financial aid forms.

Compare and negotiate any award letters and communications from the school in a timely manner.

Make informed decisions about student loans; the following resources are important to review:

Understand the benefits of federal student loans.

Help your child learn about the responsibilities involved in accepting a student loan.

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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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FAFSA Application Season Starts October 1st
Tuesday, September 22, 2020


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