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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.
 

Risk Management and Insurance Planning

Insurance planning is about managing financial risks in your life and the impact of unforeseen health or life tragedies. Most people don’t understand insurance and may end up paying too much for it or not having enough coverage. Intelligent insurance planning evaluates your actual need for insurance and helps you find the most cost-effective options and strategies.

The 4 most common risks protections are:
We take a keen eye to risk management and incorporate insurance analysis into your overall financial plan. We then work with your existing insurance agent or help you find an insurance professional who is a fiduciary. Working together, we help you maintain your lifestyle, provide for your loved ones and secure your income and savings in the event of an unforeseen circumstance. We help you navigate the options for life insurance, disability and long-term care planning to help protect the well-being of your family and business interests.

How Much Coverage Is Enough?

To answer this question, you must first answer several related questions. How big a financial burden would your death leave for others? How much of your current income is devoted to current expenses and future needs? How long would your dependents need support if you were to die tomorrow? How much would it cost to pay all of your final expenses? When determining your life insurance need, consider your life stage and circumstances. Marital status, number of dependents, size and nature of financial obligations, value of your estate, career stage, and your intentions to pass on your property are all important factors to think about. In our experience, we find many people have the wrong type of insurance and an inadequate level of death benefit.

Contact us today. We will help you incorporate insurance analysis within your overall financial plan so it is aligned with your objectives.
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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
513-984-6696 513-984-6696
info@twpteam.com info@twpteam.com
2021 Annual Retirement Contribution Limit Changes
Wednesday, November 25, 2020


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