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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.
 

Sophomore Year

Student To Do List:

Meet with your school counselor or mentor to discuss colleges and their requirements. Update your counselor about your career and college major interests and reaffirm that high school course selections remain appropriate. Formulate your junior year college prep course schedule.

Consult your guidance counselor about registering for the Preliminary Scholastic Aptitude Test (PSAT) and take in your sophomore year. Your junior year scores may make you eligible for the National Merit Scholarship Program and certain other scholarships. Taking the PSAT test in your sophomore year is a great way to familiarize yourself with the test and identify your strengths and weaknesses so you can work towards bringing your scores up and aim for the qualifying National Merit score in your junior year. Take a look at Preliminary SAT/National Merit Scholarship Qualifying Test (PSAT/NMSQT) and take practice tests by going to www.collegeboard.org or www.khanacademy.org.

Plan to use your summer wisely: Work, volunteer, or take a summer course (away or at a local college). Continue to participate in school and community service activities to be a more attractive college admissions candidate and improve opportunities for scholarship awards.

Begin thinking about career options and research majors that might be a good fit with your interests and goals.

Learn the differences between grants, loans, work-study, and scholarships at www.studentaid.ed.gov.

Parent To-Do List:

Find out whether your child’s school has college nights or financial aid nights. Plan to attend those events with your child.

Recalculate an estimate of your child’s financial aid and Expected Family Contribution using https://studentaid.ed.gov/sa/fafsa/estimate to know if eligible for need-based financial, and whether legal repositioning of income and assets to increase eligibility is feasible and warranted.

Learn about the standardized tests your child will be taking during 10th through 12th grades.

Review the brief overview of financial aid from https://studentaid.ed.gov/sa/sites/default/files/aid-glance-2019-20.pdf

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Fiduciary Duty
10 Questions to Interview a Wealth Advisor
5 Reasons to Think TWP
Guide to Choosing an Advisor
Business Planning: Your Sellability Score
 

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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2021 Annual Retirement Contribution Limit Changes
Wednesday, November 25, 2020


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