The BluePrint Four Walls Planning Process

Many financial plans are too “cookie-cutter” or simplistic, and don’t reflect the host of financial complexities that need to be addressed to create a structurally sound path towards financial peace of mind. Other plans are so complex that understanding them is just as complicated as implementing the recommendations. In either case, you and your family are left exposed to the financial elements.

That’s why we created the BluePrint Four Walls Planning Process; an easy-to-understand, yet thorough analysis of your unique financial situation, which ultimately culminates with the creation of your personalized financial BluePrint. Each BluePrint is built upon a strong foundation, and sets forth the results of our analysis as well as our recommendations in the form of four distinct walls: The Investment Management Wall, the Tax Management and Income Planning Wall, the Estate Planning Wall and the Risk Management and Asset Protection Wall. Through these walls, our team can address all the critical elements of a sounds financial plan while presenting them in an accessible and actionable format.


The Foundation

The BluePrint Four Walls Planning Process begins by ensuring you have a solid foundation. These foundations are built through an intense, collaborative, and thought-provoking discovery process that focuses on creating a comprehensive picture of where you are today, and of course, where you want to be in the future.

Once your foundation has been established, our team goes to work designing your unique framework that will comprise each of the four walls of your plan.


Wall #1: Investment Management

Want unlimited growth potential, a guaranteed return of your principal and access to your money whenever you want it? Of course, you do! Who doesn’t?! Unfortunately, finding an investment that gives you all three is difficult, if not impossible.

Through careful planning and research, our team can help you arrive at the optimal balance of these goals to construct the first Wall of your BluePrint. To do so, our team employs many of the latest investment and financial planning technologies to model, analyze and design portfolio recommendations that are unbiased, evidence based, cost conscious and unique to each of our relationships.

Wall #2: Tax Management and Income Planning

Let’s be real. It’s not how much you have, but how much you get to keep that matters. What good is making 7%, 8% or even 9% returns if you end up giving most of it away in taxes?

That’s why the second Wall of your BluePrint will focus on evaluating a tax mitigation strategy that may alleviate your tax burden, both now and in the future. Our team includes CPAs and other professionals who can analyze your tax returns, investments, and other information to see what changes might help you to lower your tax bill today, and to insulate you from potentially costly future changes to the tax laws. When constructing this Wall of your BluePrint, our team frequently works hand-in-hand with our clients’ existing tax professionals to ensure a single, cohesive effort. Don’t have a tax professional? No problem, we have the resources to help you, or our team can offer you some recommendations from our extensive network of professional contacts.

Through a careful analysis of any potential opportunities to reduce tax burdens or creating more efficiency in your after-tax investment return, evaluating optimal strategies for any benefits available to you such as Social Security or pension option(s), and carefully planning how you will spend your monies in retirement, our goal is to create the most effective income plan for you and your family.

Wall #3: Estate Planning

In today’s day and age, just about everyone needs some level of estate planning, and in the third Wall of your BluePrint, our team tackles, head-on, many of your estate planning issues to help make sure that when the times comes, all of your wishes are appropriately carried out. We will help you create a plan that will pass the assets you want, to the people and organizations you want, as efficiently as possible.

But estate planning isn’t just for the ultra-wealthy… and it’s not just about money. That’s why in this part of your BluePrint, we’ll help you plan for other end of life concerns, such as planning for incapacity, helping you understand the advantages and disadvantages of various ways of titling your assets, and selecting the right executor(s) and trustee(s) to help see your plans through fruition. Oftentimes this element of your BluePrint will require the support of a qualified legal professional. Our team is happy to work with your existing estate planning team, if you have one, or to recommend one or more qualified professionals from our extensive network of professional contacts.


Wall #4: Risk Management and Asset Protection

“Hope for the best, but plan for the worst.” These are simple words, but words to live by. Be it an unexpected illness or accident, an untimely death, a hurricane or flood, a wealth-zapping lawsuit, or something else altogether, there are plenty risks that can turn even the best of financial situations on its head.

In the fourth and final Wall, our team will “poke and prod” your Foundation to uncover cracks and gaps that may threaten the integrity of your overall BluePrint. Any potential weaknesses uncovered are brought to your attention and evaluated, so that you understand how you and your family could be affected. Further, our team will explore solutions and alternatives with you to help reduce or eliminate their potential impact on your plan.

The Tax Management and Income Planning Wall

FACT: You can add years to your retirement income by looking not only at your investment allocation, but by making strategic choices about the accounts you use for each investment type.