Our Process
The Wealth Curve Conversation
This will be one of the best financial discussions you will have in your lifetime. This conversation is not tailored to any one specific group, and can take place at any point in your financial life. We have designed this conversation to help you understand the impact financial pressures have on your wealth and its potential. Our format allows us as the advisor to understand the unique dynamics of your in-laws, your out-laws, your kids, your occupation, your spouse's occupation, and any business you may own. We want you to understand your taxes, how/where you can save money, and what your debt structure looks like.
One of the most important parts of a financial plan is the relationship of lifestyle to income. We want to understand where your assets are and how they are allocated. Have a second home? What are your future financial pressures? Do you have kids going to college, having bar/bat mitzvahs, or even getting married? We need to understand your assets, your income, your current lifestyle, and your future goals. This information helps us understand how everything will play out in your plan. Our goal is to enable you to make the best decisions about every aspect of your financial life.
Understanding your defense—how you’ve protected your wealth—is probably one of the most important pieces that is often overlooked in the financial planning process. An essential goal of our conversation is to understand your disability benefits. Also, we want to understand your long-term care benefits, life insurance, umbrella liability, Wills and Trusts, and ownership agreements for your business. These are all crucial to protecting your assets. This also helps having a solid defense.
As The Wealth Curve Conversation unfolds, we will dig into your plan with you. Together we will acquire a deep understanding of what needs to happen in your plan for you to achieve your personal and business goals.