How We Work: Wealth Design Process®
We are an independent financial planning firm that works collectively with you to give you the unbiased advice you need to have a successful retirement. We're small enough to know you, with big enough resources to satisfy all your financial planning needs. Our primary responsibility is you. We keep a deep bench to give you the confidence that you will never outgrow our services.
Amanda Aragona
Director of Operations
Mandy Stone
Client Relationship Manager
We pride ourselves in offering comprehensive financial planning. We have been able to to accomplish this in a boutique firm setting by surrounding ourselves with two of the largest players in the independent financial services space.
Osaic is one of the nation’s largest providers of wealth management solutions and home to a diverse, service-driven community of professionals who believe that planning for the future should be transformative, not transactional.
*as of 8/26/24
Step 1 – What's your Vision
Having a vision of your goals and wishes helps us design the right plan for you.
We need to learn about your specific goals for you and your family. What is most important to you? Do you want to just enjoy the free time that you have, become a world traveler, do some volunteering? We want to understand more about you and the art of your retirement plan (not just the numbers). What is the point of all these assets? What are they earmarked for? Is it simply to make sure you never run out of money, or are you looking to also accomplish some things from your bucket list that you have been putting off all these years? We will listen and build a financial plan that matches the future vision of your retirement.
Step 2 – Get Clarity
Answering questions on your benefit plans provides clarity.
You've worked hard for what you have. You have done a lot of the heavy lifting by saving and working for many years. We are here to help alleviate the stress and confusion as to how all these retirement accounts work together. We have concentrated our time learning about the most popular benefit plans most people have questions on: 401(k), Roth 401(k), After-Tax Savings, IRA, Roth IRA, Inherited Accounts, Pension Plans (both formula-based and cash balance plans), Stock Options/Restricted Shares, Insurance Plans (life, long term care, medical, dental, vision), and Social Security income planning. We educate you first on how all these plans work together in a cohesive fashion, keeping tax and estate planning rules and regulations at the forefront of our decision-making process. Once we have reviewed all your accounts to see what your mix of savings and protection looks like, we can move on to Step 2 of the process.
Step 3- Make an Impact
Advice is great...Action is better!
The final step is to act on your plan that we have provided you. By giving you exact steps to take, you have come to a fork in the road. The final decision is not IF you should implement the plan, but rather if you would like to do it on your own or have a professional handle it. If you would prefer a professional, we will get all the recommendations done one at a time. We find that the most common things we do right away are usually tied to rebalancing your accounts, putting the right insurance policies in place that are needed, and working with your tax and estate planner to make sure you are covered in these areas of your plan as well. Don’t worry, if you do not have a relationship with a professional, we can coordinate with one of our recommended partners we built a relationship with over the years. Once everything is in place we move on to monitoring the plan and taking action when needed along the way. We are a comprehensive financial planning firm that can handle all aspects of your plan.
*Monitoring of investments applies to advisory services only.