We’re not the typical
financial advisor...

We don’t sell you things you don’t need.
We work with you to create a complete roadmap to get you where you want to be.
We help you get more out of life with your money.

🧠 Mindset (The Most Important Part)

The Hard Part:

Our Advice:

A study on the value a wealth manger can add

Click here to read the study.

Cashflow Planning

Cash flow is KING, and you might already be a cash flow pro! Our experience is that most people don’t know exactly what their savings rate is or exactly where their hard-earned money goes each month.

One of the first things we do in creating a plan is touch up your current cash flow map or create a new one to ensure you are using your resources as efficiently as possible.

Cash flow planning considerations:

Am I saving/investing enough to reach my goals?
Debt payment prioritization
College savings
How much should we spend on a house?

Each year, we review the cash flow map.

Investing

We’ll help you build a diversified portfolio using public investments like low-cost index funds and ETFs and private opportunities like real estate.

Total Wealth portfolios include tax-loss harvesting and are automatically rebalanced to keep target allocations.

We believe keeping costs low, and passively managing portfolios is better in the long run, but we offer actively managed portfolios for unique situations.

Insurance

Insurance/Risk management is a critical part of wealth management. What makes us unique is that we first build a financial plan and then make recommendations instead of pitching your product when we first meet.

Our insurance experts help with insurance questions like;

Will my family be ok if something happens to me?
What is the best way to get health insurance for my family and my employees?
Does it make sense to use life insurance as an investment tool?
Does my home insurance cover me if my sewer backs up?
Do I need long-term care insurance?
What health insurance can I use when I retire before Medicare?

Total Wealth has in-house insurance experts to make sure you’re in the best spot possible, aren’t overpaying, and have only the coverages that you need.

Estate Planning

Estate planning is a crucial and often overlooked aspect of financial and personal security. It ensures that your assets are distributed according to your wishes and that your loved ones are provided for in the event of your incapacity or passing. Every asset you own must have clear instructions on what is supposed to happen with it when you are gone.

We can help you design and implement your estate plan. We’ll guide you through the pros and cons of revocable and irrevocable trusts (GRATs, SLATs, etc.) to help you create the right plan for your family.

Total Wealth has multiple estate planning partners we use within our estate planning process.

Tax Planning

Business Planning

We help business owners delegate what they don’t want to do, increase their profitability, and sell their businesses for more.

We do this by helping the business owner manage all the professional relationships it takes to run, grow, and sell a business successfully. Typically, your attorney, CPA, financial advisor, insurance agent, and investment advisor don’t communicate with each other, and balls get dropped.

Starting a business is tough. Selling a business is tough. Only 30% of small businesses successfully sell. Your business could be a large part of your future wealth if you make decisions to make that happen now.

Charitable Giving

Charitable giving serves as a powerful tool for both community betterment and tax optimization, creating a positive impact on society while providing financial incentives for the giver.

Volunteering or giving your time can positively impact your mental and emotional state from a sense of purpose, social connection, stress reduction, and more.

Total Wealth, along with our clients, actively gives time and resources to our favorite charities each year.