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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.
 

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Looking Beyond Average Investment Returns
Posted By:  Dave Wilder CFP®, CTFA, MST, AIF®, CEPA
Thursday, April 11, 2019

Many investors strive to achieve the highest rate of return possible for their portfolio. It seems that this is the best way of accumulating more for their goals, such as saving for college or retirement. An investor who achieves a higher rate of return over time will always have a higher portfolio value compared to an investor with a lower return. Right? Not really!

The reality is that rate of return is only one tool for measuring success. It is also the easiest way to measure how one portfolio may be performing compared to another. However, another important factor is managing the risk associated with a given set of investments. In the illustration below, you will find that a portfolio with a lower rate of return actually results in a higher portfolio value after ten years compared to the portfolio with a higher rate of return.

Two Investors Achieve Different Investment Rates of Return –  The one with lower returns accumulates more dollars!

At Total Wealth Planning, we structure portfolios so that they “win by not losing”. Your portfolio can be structured with a significant allocation to equities, an asset class proven to provide superior investment returns over time. However, by introducing 15-20 different asset classes, we can also minimize the amount of volatility. The end result is that you may be able to achieve your goals much sooner than you may have anticipated!

If you would like to learn more about our Nobel-Prize winning investment approach, please contact us at info@twpteam.com or call us at our office at (513) 984-6696.



 
 
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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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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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