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.
Model
Analysis
Management
& Generosity
We start every year with a meeting, and in this meeting we ask a lot of questions. What’s going on in your life? What are you thinking about? What are you hoping to achieve in the coming year? We have our agenda, but you always come first.
The first-quarter meeting is where we set the stage for the coming year by working through our alignement model and discussing your values, goals, and the actions you’re taking to move your financial life forward. It also includes scenario planning and net worth review while ensuring alignment with your values-driven financial plan.
An important deliverable that is derived from first-quarter meeting is an updated One Page Financial Plan. This executive summary of your financial life for the coming year includes cashflow projections and scenario analyses. You’ll always leave this meeting with a prioritized action list that will be our guide for the rest of the year.
Our focus in Q2 is on your full investment portfolio and asset allocation. We look at your entire financial picture to assure that all of your assets are property aligned from a risk and performance standpoint. From your cash accounts, to 401(k)’s, to private investments and real estate, our comprehensive review includes everything you own.
Our Investment Review Committee also provides a thorough review of all assets you have invested with Master’s and provides a blueprint to align your assets held outside of Master’s with our asset allocation recommendations.
Risk is unique to every family’s personal situation. In Q3, we review those unique risks and discuss mitigation strategies to give you peace of mind in case the what-if’s of life happen.
Our first focus is on your liquidity position and insurance portfolio. Our approach finds the most efficient way to protect your family in case of an unexpected event.
Second, we review your legal documents and model the flow of your estate, so you can see, in real dollars, what your plan spells out. We also look for updates that need to be made or efficiencies that can be implemented to minimize tax and maximize the assets that go to your family and preferred charitable organizations.
As the year is winding down, we will take stock of where you stand on all of the action items in your plan and make any necessary adjustments before year end.
We also run a full tax projection to model out your tax scenario for the year, look for ways to optimize your tax situation and get ahead of any potential surprises at tax time. This is all done in close coordination with your tax professional to assure planning continuity.
Lastly, we review your giving goals for the year and in concert with your tax projection, assess any giving opportunities that align with your goals and help your tax situation. You give to give, not to save tax, but if you want to give, we look for the best way to leverage your giving to improve your lifetime tax bill.
Our Commitment to You
Who We Serve
Our Total Wealth Management process provides the foundation and system for which we deliver advice, and is specialized for the clients whom we serve best:
Ready for Retirement 
Business Owners 
High-Earning Professionals Ready for Retirement
Through diligent saving and planning, you are ready to start thinking about how to plan for retirement. The transition from accumulation to decumulation is difficult to navigate, but well worth it, resulting in you being able to focus on your family, friends and passions. You have to make decisions about social security, healthcare, spending, taxes and estate planning, not to mention the creation of a sustainable income plan. Our process sets you up for success through proprietary systems and a steady hand in all the necessary planning areas.
- Retirement Income Architecture – Our proprietary retirement income system
- Tax Location and Savings Strategies
- Creating a legacy for your family
Business Owners
Your business is the engine that drives your financial life, and creates unique risks, challenges and opportunities. How do you make business decisions that do not stand opposed to your personal goals, but position your business for growth? Your plan requires a unique collaboration of professional advice along with a balances of the business and personal. Our process wraps together this balance with a coordinated service structure to make sure your professional team, employees and family are all a part of the planning process, allowing you to be well positioned for whatever is next – growth, succession or exit.
- Quarterback your Professional Services Team
- Build margin between your business and personal finances
- Specific Coordination of Personal & Business Financial Goals
High-Earning Professionals
You know you are blessed with a healthy income but don’t know where to start. There is a wealth of information available to you, but how do you apply the right strategies to your financial situation? Your immediate needs are difficult to balance with your long-term goals at this stage. You are trying to balance debt payoff, home buying, long-term savings, tax mitigation, college planning and investment management, all while making sure you enjoy life along the way.
- Create a cash flow plan that aligns with your goals
- Cover your risks efficiently while investing for growth
- Bring your whole picture together with our proprietary One Page Financial Plan
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.
To learn more about our investment management philosophy, click here.
Getting Started
The Launch Process
Week 1
Alignment Model & Financial Goals
Week 1 officially kicks off your onboarding process with an in-person meeting. During this meeting we will recap your values and goals, establishing your personal aAlignment Model and ensuring we have established the decision-making framework that will be used to build your plan.
Week 2
Financial Inventory
We will collect all your financial information and documents during week 2. This week may be a little more intense for you than some of the other weeks, but we will be there with you every step of the way. You will use the Master’s Wealth Manager Vault to provide documents to us, giving you a secure and simple way to share information.
Week 3
Advisor Questions and Follow Up
Week 3 you can expect to hear from your advisor either via email or phone call. Your advisor will address any remaining items needing clarification from their review of your financial inventory.
Week 4
Strategy & Design
Our team will meet to discuss your financial situation and lay the groundwork for your initial financial plan through our Strategy & Design process. This week is when you see our ‘true team approach’ in action, as you will have a plan that is thoughtfully constructed by our entire team of advisors. We will keep you updated throughout this week as our team works on organizing your financial life.
Week 5
Initial Recommendations & Investment Analysis
We will meet again in Week 5 to review our initial planning recommendations and walk through your big picture cash flow plan. We will also review our assessment of your investment portfolio, covering all the bases from retirement accounts, to private investments, real estate and everything in between.
Week 6
Risk Management
We will review your current risk management structure, assessing your insurance portfolio, legal documents and any other unique risks to your personal situation. This review helps you to understand where your largest gaps exist, and how best to mitigate them efficiently.
Week 7
Tax Analysis
We will review your current tax situation and provide context for where your risks and opportunities are. We want to pay what is owed, but not a penny more! Our multi-year tax planning approach models out current and future scenarios for a holistic view of your lifetime tax bill and how to best manage it.
Week 8
Wrap-Up and Action List
The purpose of your final onboarding meeting will be to review the topics covered throughout the onboarding process. We will also review your initial list of action steps and summarize your big picture plan on our One Page Plan. You will then be introduced to your team at Master’s as you begin your ongoing relationship with us.
