Our Financial Planning Process
Our financial planning process is designed to empower you to build wealth with certainty.
Many financial advisors focus narrowly on products and portfolios without considering how each financial decision impacts the others.
In contrast, our wealth planning advisors examine your entire financial picture through a macroeconomic lens. Our proven financial planning process helps transform scattered financial decisions into a coordinated strategy for building and protecting wealth.
We Start by Understanding Your Current Financial Picture
When new clients come to us, they typically arrive with what we call a “financial junk drawer.” This is a scattered collection of financial products, decisions, and strategies that lack coordination. Like a kitchen drawer filled with random tools, their financial life contains various pieces that don’t work together efficiently.
Our wealth planning starts by gathering all your financial information to create a clear snapshot of your current situation. This includes reviewing your:
- Insurance coverage and protection needs
- Savings and investment accounts
- Income sources
- Cash flow patterns
- Tax situation
- Real estate holdings
- Estate planning documents
Our Financial Planning Process Analyzes Your Financial Health Through Macroeconomic Modeling
Using our sophisticated Lifetime Economic Acceleration Process, we examine how all your financial decisions impact each other. This model serves as a financial X-ray, revealing where inefficiencies and deficiencies may be hiding. Unlike traditional financial planning that focuses on isolated products, our model shows how every financial decision affects your overall picture.
The model helps us identify protection gaps, determine if you’re saving enough, evaluate your investment risk exposure, uncover tax inefficiencies, and assess your estate planning needs. We can display your entire financial picture on a single page in our financial planning process. This makes it easier to understand and discuss your situation.
We Optimize Your Cash Flow
This innovative approach automatically captures pay increases, creates natural savings habits. Thus, it helps build wealth systematically without relying on willpower. Our cash flow management process transforms average savers into wealth-building machines by restructuring how money flows through their personal economy.
We Build a Foundation of Protection in Our Financial Planning Process
We believe achieving maximum financial potential requires both protection and growth. Our protection strategy begins with a human life value analysis to determine appropriate coverage levels. This analysis considers not just your current income. It considers the full economic impact your life has on your family and business.
Through detailed risk assessment, we identify areas where you might be vulnerable and implement strategies to protect your assets. This framework allows you to spend assets more freely during your lifetime while ensuring your legacy remains intact.
We Help You Create Your Investment Strategy
Our investment approach differs significantly from traditional financial planning. Instead of chasing returns or promoting the mutual fund of the week, we focus on building sustainable wealth through multiple channels.
We create portfolios that balance safety and growth potential, often incorporating dividend-producing assets to generate reliable income streams. This strategy coordinates closely with your protection framework, allowing for more aggressive wealth spending while maintaining security.
Our financial planning process will create the best investment strategy for you.
We Make Each Dollar More Efficient
Just as a multi-tool serves many purposes, we implement financial strategies that accomplish multiple objectives simultaneously. We utilize tools that offer tax-favored wealth accumulation, flexible access to capital, protection against market fluctuations, and efficient wealth transfer capabilities.
Our financial planning process will determine which wealth planning solutions are best for you.
This approach helps overcome the limitations of single-purpose financial products. By implementing solutions that serve multiple functions, we create more efficient and effective financial strategies.
Our Financial Planning Process Teaches You How Money Really Works
Throughout our financial planning process, we prioritize education. You’ll learn crucial distinctions, like the difference between saving and investing. We’ll show you how to measure and manage risk effectively, implement tax-efficient strategies, and create sustainable income streams.
We believe informed clients make better decisions. That’s why we take time in our financial planning process to explain our strategies in clear, understandable terms. Our goal isn’t just to implement a plan, but to help you understand how money really works.
Schedule a Discovery Call now to begin your comprehensive financial planning process with Fortress Wealth Architects. Let us help you transform your financial junk drawer into a well-coordinated strategy for building and protecting wealth.