We Keep You on Course Toward Personal & Financial Vitality
By focusing on what truly matters: You
The HWWM DIFFERENCE
Consider these two approaches: In golf, you have a coach who teaches you their type of swing by funneling you into their system, no matter what.
Or, you have a coach who understands how all the pieces of a swing fit together. Taking into account your unique set of conditions and understanding your mindset, this coach can see opportunities to make adjustments in novel ways that will deliver your “A” game.
We take this latter approach. We start with understanding what’s unique and specific to you. Using our proven financial tools and techniques, we keep our eye on the big picture and see how various solutions fit together to reach your personal and financial goals.
Whether it’s strategies to support the formation, growth, evaluation or transfer of your business, or to plan for retirement or a career transition, we advise you so that you can live the life envisioned for you and your family, now and into the future.
There are multiple ways to reach your goals and external factors that might take you off course. We are consistently monitoring your progress, so you can keep driving forward. Let’s keep you out of the bunker and on the green!
Timeless in our values, yet novel in how we reach your goals.
True Wealth® Process
5-STEPS TO GET TO YOUR FINANCIAL & PERSONAL GOALS.
01.
EXPLORE
Get Acquainted
02.
ENGAGE
Establish where you are now (Point A)
Understand your “Money Script” (perspectives, preferences, behaviors). Identify what’s most important to you and clarify priorities. Learn what activities and endeavors bring you joy. Collect basic financial information.
03.
ENVISION
Determine vision of your ideal life (Point B)
Identify and prioritize personal and financial goals. Establish a spending plan that aligns with values, priorities and vision of your ideal life.
04.
ENLIGHTEN
Present Draft Recommendation Covering All Aspects of Financial Life
Explain how financial analysis and risk assessment influenced recommendations, demonstrate how the financial solutions proposed support your life vision and goals and discuss scenarios and make adjustments.
05.
EMPOWER
Present Final Draft of Financial Recommendations
Discuss options to implement, monitor and proactively plan for life’s transitions, review your life goals periodically to ensure your financial plan continues to support your life vision and address new issues, transitions, and concerns.
A SIMPLIFIED FEE STRUCTURE
a one-time project-based fee of $3,000.
Wealth Management
When It’s Done Right from the Beginning, It Stands The Test of Time.
During our time in business, we’ve seen investment fads come and go, while other methods stand the test of time. The latter are established on principles and grounded in evidence of how they perform over long periods of time. If goals change, we respond and adjust to meet those new goals. But, with anything timeless, if done well on the front end, rest assured the plan is designed to meet your goals.
Think of it this way: you invest in a high-quality pair of leather shoes. They conform to your feet. They provide you comfort and protection. They maintain their timeless appeal. Sure, they may need some resoling from time to time, but they deliver on their purpose and last you decades, because they were done “right” in the first place.
Our mindset regarding financial planning and investment management is not much different than this.
SO REALLY, HOW DOES IT ALL COME TOGETHER?
Out of the financial plan, we have a target rate of return necessary to meet your financial goals. Based on that rate of return we back into the type of asset allocation, percentage of stock, bonds and cash, we need in the account. The asset allocation will detail all the asset classes we are using in the portfolio. We then determine the best place or asset location to hold each asset class. Because the same asset allocation can have a better or worse asset location to produce higher/lower after-tax returns, it affects how we trade in different account types (e.g., brokerage, tax deferred, Roth, etc). Each asset class is given a “tolerance band” that it is allowed to float in. Once outside the bands, a rebalance is triggered and trades are placed to bring everything back into balance.
A SIMPLIFIED FEE STRUCTURE
We offer an all-inclusive fee for on-going financial planning and management of assets. The fee schedule is as follows:
Assets Under Management | Annual Fee |
|---|---|
Up to $500,000 | 1.00% |
$500,001 – $2,000,000 | .75% |
$2,000,001 – $5,000,000 | .50% |
$5,000,001 + | .40% |