Total Wealth Management
What is Total Wealth Management?
​For those that have accumulated sizable assets, business owners, or are high income earners, managing the many aspects of your complete financial picture is complex.​ Total Wealth Management is designed for those that appreciate a concierge approach to addressing these complexities and the required integration of all professionals that is essential, such as income tax planning, investments, insurance, banking, etc.
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Some of the many annual deliverables with a Total Wealth Management Relationship: ​
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A Spring and a Fall Total Wealth review meeting. with each of these every 180 day interactions clients receive:
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Hand curated 4-5 page "Summary of Recommendations" which highlight all of our best thinking and specific actions items that our team will be taking on your behalf given these recommendations. Additionally for those that love to see all the details of where our feedback is coming from, we provide in these meetings the full detailed 65 page financial plan with cash-flow analysis, retirement projections, investment strategy, tax analysis, estate planning analysis, and insurance analysis.
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CPA, insurance agents, estate planning attorneys integrated into meetings.
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Annual tax preparation and tax planning, provided by one of the several network CPAs of The Affinity Group.
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Assigned Senior Wealth Advisor along with dedicated Relationship Manager, and two Financial Planners.
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Unlimited and ongoing coordination/collaboration with our or the clients attorneys, insurance specialists, and banking professionals.
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eMoney personal financial website; providing real time connectivity and updating your total financial picture (investments, spending, goal tracking, tax analysis) in real time.
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No per engagement interaction costs. Calls, emails, screenshare or face to face meetings are always as needed outside of our Spring and Fall Review Meetings. You should never have a disincentive to call your wealth management team/wealth advisor.
TWM monthly retainers begin at $300 per month. Pricing is based upon net-worth, complexity, and investment management assets.
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Onboarding Process
Discovery
Who you are and what's most important to you is where it all begins. Our firms senior wealth advisor Scott Lowe sit down for a discovery session. We want to understand who you are and what's most important to you. Personal financial planning must be personal.
Recommendations and Specialists
Our team delivers the completed financial plan as well as Summary recommendations. Outside specialist join this meeting in order to provide a second opinion in the areas of tax planning and estate planning.
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In 60 days following the Recommendation meeting our team rolls up our sleeves and quarterbacks the implementation of the agreed upon recommendations.
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Ongoing Process
Relationship
It’s been said proper planning is not a single event, rather, it’s an ongoing never-ending process. As described above, clients will have a wealth plan review every spring and every fall, with access to anytime communication in between these meetings.
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Technology
Although we are located in Canton Ohio, as a Fiduciary financial advisor we serve clients across the nation with the same personal touch as clients down the street because of the world-class technology we incorporate. Every Total Wealth Management client of our firm is provided access to a personal, private, secure and all-encompassing financial website. This living, breathing GPS aggregates all your personal data with daily updates to your linked accounts, letting you breathe easy knowing everything important is at your fingertips.
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For clients who prefer a more singular focus on their investment planning, Total Wealth Management is not suitable and they should consider our Investment only offering.