Our Value to You: An In-Depth Exploration
Creating Your Plan for Living Life on Purpose
•
Together, we construct your Financial Road Map®, which focuses on what’s
truly important to you, your goals, and where you are financially. The
Financial Road Map® brings the clarity and inspiration to help you
implement and follow through with any financial plan. Your Financial Road
Map® is updated annually to benchmark your
progress along the path to achieving your goals.
• We create the Rest of Your Life Plan. This detailed planning process
is designed
to give you the highest probability of achieving your goals for the reasons
that are
important to you. The Rest of Your Life Plan is like the way your physician
uses
diagnostic medical tests to determine your condition – it all takes
place behind
the scenes.
• We develop a clear, concise, step-by-step Action Plan to prioritize the
actions
needed to get you the results you desire. It is a summary of the Rest of
Your Life Plan. Continuing with the medical analogy, the Action Plan is
akin to your physician’s best course of treatment for your diagnosis.
• We will work with you to create a Cash and Debt Management Plan. We establish
adequate cash reserves to help handle the unexpected financial issues that
arise in life and create a debt management and elimination plan. Refinancing
a home or any other major purchase would be trigger for additional help
from us.
Managing your Investments
• We provide ongoing investment management and apply Hankinson
Wealth Management's Intelligent Investing Process:
Intelligent Asset Allocation - Because it
is impossible to know the future with certainty, the Intelligent application
of broad-based diversification
among multiple asset classes is the
most
prudent course
of action.
As the
old adage
says, "Don't put all of your eggs in one basket."
Intelligent Asset Location - Not all asset classes are treated the same
way by Uncle Sam at tax-time. Some asset classes are more tax efficient
that others. In essence, our tax-wise approach looks at the types of
accounts you hold (taxable accounts, IRAs, retirement plans, etc.) and
allocates the most tax-efficient asset classes to your taxable accounts
and the least tax-efficient asset classes to your tax-deferred accounts.
Our goal is to help you keep more of what you make by keeping an eye
on the tax man.
Intelligent Rebalancing - When you embark upon a long journey, you
must periodically make course corrections to make sure you arrive at
your
intended destination. We use our structured process to monitor your
portfolio and periodically make adjustments to help keep you on track.
• Each quarter you will receive Progress Reports that summarize
your investment portfolio and progress toward your goals.
Establishing Advanced Planning Opportunities
• Wealth Enhancement: It's not what you make, but what you keep
that counts. We work to make your portfolio as tax efficient as possible.
• Wealth Transfer: We work with estate planning experts to help
you find and facilitate the most tax-efficient and cost-effective way
to pass assets to succeeding generations in a way that coincides with
your wishes.
• Wealth Protection: We work with estate planning experts and
other advisors to help you protect your wealth against potential creditors,
litigants, and children's spouses (and potential ex-spouses). We also
work with risk management experts to protect against catastrophic loss.
• Charitable Gifting: We help you fulfill your charitable goals
Tracking Your Progress
• We will review your progress, discuss how things are going,
and answer questions during Regular Progress Meetings every 90 days.
Hankinson Wealth Management, Inc.
Augusta – (706) 722-4909 • Lake Oconee – (706) 454-0790
Important Disclosure Information
Financial Road Map® is a registered trademark of Bachrach & Associates,
Inc.
©
2008 Hankinson Wealth Management, Inc.
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