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Financial Planning

Your Home for Holistic Financial Independence Solutions

Your Home for Holistic Financial Independence Solutions

You want to make smart decisions when it comes to your wealth, so you can live the life you imagine and leave a legacy for your loved ones. Our diverse team of experienced, intelligent financial professionals can help you create a financial independence plan tailored to your goals and preferences.

To curate your holistic plan, your Totus advisor will:

-Listen to you to understand your values in order to help you discover your dream and clarify your goals.
-Help you analyze where you are versus where you want to be and create a roadmap to help guide you that way.
-Review any current investments and make recommendations.
-Continuously monitor your progress and make adjustments along the way to keep you on course.

What is Financial Planning?

Financial planning is the process of assessing resources, setting objectives, estimating future financial needs, and creating a plan to achieve financial goals. Effective financial planning considers an individual’s entire financial life, including income, expenses, investments, insurance, taxes, and retirement planning. Financial planning can help individuals prioritize their financial goals, allocate resources efficiently, and make informed decisions to live the financial future they desire.

Understanding the Different Aspects of Financial Planning

Financial planning is not a one-size-fits-all approach; it can be tailored to different life stages, needs, and objectives. Some common aspects of financial planning include:

  • Retirement planning, which focuses on building savings and investments to sustain a desired lifestyle after retirement.
  • Education planning, which involves setting aside funds for children's education expenses.
  • Estate planning, which ensures the efficient transfer of assets to heirs and minimizes tax implications.
  • Risk management planning, which involves assessing and mitigating financial risks through insurance and other strategies.

Each part of a financial plan serves a specific purpose and can be personalized to align with individual financial circumstances and aspirations. By understanding what they can plan for and why, individuals can make informed decisions to achieve their long-term financial goals.

Our Holistic Solutions

Strategies designed to last generations, from preservation and beyond.

Personalized Financial Planning

Intelligent Investment Management

Preservation and Legacy Planning

Intelligent Investment Management

Intelligent Investment Management

Our advice is independent and based on academic market research. We’ll help you construct a personalized portfolio designed to address your specific goals. Your Totus financial advisor will work closely with you and our diverse, capable team to:

-Assess your risk tolerance and design a plan to suit your preferences while pursing your goals.
-Provide ongoing oversight of your portfolio, including review, adapting to reflect your changing goals, and rebalancing as needed.
-Use time-tested strategies and consider high-net-worth strategies where appropriate, such as tax-loss harvesting.

Comprehensive Preservation and Legacy Planning

Comprehensive Preservation and Legacy Planning

Beyond helping you generate and manage your wealth, your Totus financial advisor can work with you, your legal advisors and tax advisors to help you protect and preserve your wealth. Preservation and legacy planning strategies include:

-Risk management and insurance planning
-Intelligent management of your assets
-Charitable giving and philanthropic endeavors
-Estate, succession and tax planning

Personalized Financial Planning

Personalized Financial Planning

We’ll help you form personalized, comprehensive plans and strategies for every occasion and life stage. Through our personalized wealth management services, we aim to help you grow, preserve and protect your wealth, so you can live the life you imagine, both for today and tomorrow.

Organize Your Personal Documents for Loved Ones

Download a helpful guide to organize your personal and business records in one place. Complete the pages and store the document either electronically or on paper in a secure location. Communicate to your loved ones where you store important documents so they will be easy to recover.

DOWNLOAD OUR FREE GUIDE