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Total Wealth Management

An intentional, proactive approach to keep you in alignment with what is most important to you.

Annual Planning Rhythm

Financial Planning is a process, not an event. We proactively review a specific part of your financial life each quarter. This agile planning approach keeps you focused on making consistent and timely financial decisions, rather than being tied to a rigid, static financial plan. You can be confident that your plan is efficient, adaptable, and aligned with your goals and values.

1st Quarter Goal Planning and Cash Flow Modeling
2nd Quarter Net Worth and Investment Analysis
3rd Quarter Risk Management
4th Quarter Tax Planning and Philanthropy

At the beginning of the year, we revisit your values, goals and cash flow model to inform your current and upcoming decisions. This gives us a course of action for the coming year, as we anticipate the decisions you will need to make in the year ahead, while staying adaptable for the inevitable changes that come along the way. We leave this meeting with clear direction and an efficient financial model that is focused on your personal goals, giving you confidence in the direction of your financial life.

In the 2nd Quarter, we perform an in-depth analysis of your investments and net worth. We first review the progress you have made growing your net worth over time. We then assess the health of your investments (investment accounts, private investments, real estate, business interests) and monitor your current debt and liquidity structure. This in-depth analysis provides insights on how your wealth is optimized in relation to your goals and informs if any adjustments are necessary.

Risk Management is our focus in the 3rd Quarter. We review your legal documents and model your distribution plan to make sure it is aligned and efficient. We also benchmark your insurance portfolio against your calculated needs and monitor the health of any policies you currently own to protect you and your family in case of an emergency. This review gives you the confidence that you have a plan that is ready for whatever may come your way.

In the 4th Quarter we focus on end of year cash flow decisions, as well as, giving and tax planning. We review your giving goals for the year to maximize your impact on the people and charities you care about. In collaboration with your accountant, we then look at your tax projections for the year and find ways to make your long-term tax plan as efficient as possible, while also employing specific strategies for the current year. This analysis ensures that you are not missing out on any planning opportunities before the calendar turns to a new year.

Investment Management

Sound investing principles are simple to understand but difficult to execute consistently. Through our internal Investment Review Committee, we adhere to a systematic, disciplined, repeatable investing philosophy rooted in academic literature.

By leveraging various investment partners and a robust technology platform, we can execute an efficient strategy that minimizes the guesswork to which many investors fall victim, allowing us to focus on what is most important to you as we work together towards your financial goals.

Learn More About Our Investment Management Philosophy

Master's Minute:

Our Blog of Helpful Tools and Tips

August 9, 2022   | Garrison R. North
The Master’s Minute – Transitioning Away from Mastery

Our son, Cam, is turning 4 next month and has mastered the skill of riding his balance bike. A balance bike is essentially a bike with no pedals that he pushes (and brakes!) with his feet and legs. He loves flying around the neighborhood…

August 2, 2022   | Jonathan Thompson
The Master’s Minute – Focus On What You Can Control

When it comes to planning for a financial goal, such as retirement, there are several variables that play a role in your ability to meet the goal. Because of this, it can be tempting to feel overwhelmed. Which is why we find it helpful…

July 26, 2022   | Lyle E. Hershey
The Master’s Minute – 3 Tips to Use When Things Don’t Turn Out as Planned

If you are like me, a fun surprise can transform an ordinary day into a delightful adventure! However, a sudden interruption to a highly anticipated event can leave you extremely disappointed. Several months ago, our family started planning a long weekend trip to visit…

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480 New Holland Ave
Suite 7201
Lancaster, PA 17602

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© 2022 Master’s Advisors • Developed by TinyFrog • Important Disclosures | Privacy Policy

Securities offered through Securities America Inc., member FINRA/SIPC. Master's Advisors is not affiliated with the Securities America companies. Advisory services offered through Securities America Advisors, Inc. This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

All images and Content Copyright © 2020 Masters Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation.

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