Personalized Retirement Planning Solutions

At Protect Your Wealth, we will work with you to create an accurate overview of your present financial situation. This includes the following documents:

• Financial statements
• Obligations like the mortgage, car loan, and credit cards

Using state-of-the-art software, we will complete a thorough needs analysis to assess your present expenses and project future ones while accounting for inflation. We also perform a detailed risk assessment to help ensure that you are not taking more risk in your investments than necessary, thereby protecting your retirement wealth.

After carefully considering all aspects of your finances and identifying ways to maximize tax efficiency, we will recommend an efficient retirement savings plan that tallies with your investment goals. You will receive a personalized Investment Policy Statement that summarizes our findings and recommends appropriate risk-managed investment options.

After you approve your Investment policy statement, we will present you with a Financial Planning Priorities and Strategies document that outlines the following:

• Your financial planning priorities
• Wealth-building strategies that meet both short- and long-term financial goals, such as tax planning, children’s education planning, estate planning, and retirement planning

Once you review and approve your plan, it will be implemented. It is important to note that this document will change over time to ensure that it always reflects your current circumstances and complies with any changes in government policy.

We use a cash flow planning analysis to create a financial forecast of your future. This analysis calculates projected outcomes, which lets you consider the consequences of financial decisions before you make them and create a stronger plan for future commitments like a child’s college fund. These forecasts are reviewed every year as your situation changes.

Financial planning is a continuous process. To ensure that your investment needs continue to be met, we will remain in regular contact with you throughout the year and hold a yearly review to assess progress, make adjustments for changed circumstances, and evaluate promising new strategies. These meetings may be held in our office, by phone, or via Zoom.