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The Eight Wealth Management Issues

8 Wealth Management Overview

Whether your wealth is valued at $10,000 or $10,000,000, it is important that you are taking steps to actively address the issues that managing wealth presents.  We have found that there are 8 Wealth Management Issues that are most important to our clients and their families.  Each of these issues is interrelated and, in fact, acts like a balancing scale.  If you make an adjustment to one issue, it affects the others.  That is why it is critical that you have one Advisor who is knowledgeable about your complete financial picture, including your tax situation, so you can be given appropriate advice and recommendations.  Without the knowledge of all the 8 Wealth Management Issues, you may find your finances out of balance.

Since Anthony Ivanoski is also an independent tax processional, we can offer you everything from accounting and tax preparation to financial services and insurance. That means we’ll develop an intimate knowledge of your financial strengths, challenges, and goals, and apply this knowledge every time you reach out to us for assistance. But where we can really help you is by guiding you through the 8 Wealth Management Issues®, a trademarked process that addresses all the major financial issues most people encounter at some point in their lives.

We’ll help you make the most of your money – and avoid the most common financial pitfalls – by following this framework:

  • Investment Management.Overwhelmed by the sheer volume of investment information out there? You’re not alone. Together we can assess your entire portfolio before helping you build a long-term investment strategy, diversify your assets1, and even deal with tax implications.
  • Cash Flow and Debt Management.Everyone knows they should spend less than they earn, but not everyone actually does it. Working together we will evaluate your current and future sources of income, become more efficient with your monthly budgets, and set aside cash for emergencies.
  • Family Risk Management.A key part of financial planning is to protect your retirement savings and your ability to earn income. Are you prepared for the unexpected?  Should something happen to you or a family member such as a disability, death, or a long-term-care need, the careful planning and investing you have so diligently developed can be unraveled in an instant.
  • Retirement Planning.Life expectancies are increasing. Pension plans are disappearing. And early retirement is always an appealing option. Get help in forming a clear vision of what you want from retirement – and a financial strategy that will get you there.
  • Education Planning.You want to make your children’s dreams come true. We can help you calculate not only how much you’ll need to save for college, but also which investment products are appropriate for your situation. You’ll even be able to figure out how your savings will affect your children’s financial aid eligibility, and how all of this will impact your tax situation.
  • Legacy Planning.A well-crafted estate plan ensures that what you want to happen will happen – even after you’re gone. We can help you avoid the tragic (yet surprisingly common) mistake of putting off estate planning until it’s too late.
  • Business Planning.If you run a business, you probably need assistance in dealing with important issues such as employee benefits, business financial goals, and risk management. Get input that helps you protect your family, your business, and your future.
  •  Special Situations Planning.No matter how carefully you plan, unexpected financial needs will arise. We can make sure you’re well equipped to change your financial game plan without jeopardizing your long-term goals.

1Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.