skip to Main Content

By failing to prepare, you are preparing to fail. ― Benjamin Franklin

Only 38% of U.S Investors have a written financial plan to help achieve and maintain wealth throughout retirement, according to a Gallup survey performed in 2015.  Your plan is necessary to determine the status of where you are today and what is required to achieve your financial goals in the future.

IWM’s financial planning process is thorough and “evergreen”:


Each client relationship begins with a discovery phase that allows us to understand your goals, financial picture, and current estate and income protection strategies. During this phase we will also learn if we are a good fit to work together for the long term.

Reviewing your financial picture includes a thorough analysis of your current and projected income, taxes, spending (including retirement), and other items unique to you. We have learned that the best investment strategies are those the client will adhere to, so we employ Riskalyze, a sophisticated risk tolerance tool to assess both your current portfolio as well as the one we propose.

The key deliverable from Discovery is a Prosperity Plan which includes an Investment Strategy and, for most clients, a Retirement Plan.

Assuming we are a good fit, we move to Prosperity Plan implementation.

Prosperity Plan Implementation

Our Prosperity Plan is a customized financial plan for you.

Depending on your needs, this may include direct access to our estate team or engaging specialized services like corporate trustee services or tax planning.

The Investment Strategy portion of the plan defines a comprehensive allocation of assets which targets achieving your long term goals within the parameters of your risk tolerance, incorporating future earnings/savings projections.

A unique attribute of IWM’s Investment Strategy is “diversification by strategy”. This moves beyond more conventional diversification by asset class and is intended to provide an additional measure of risk mitigation. Different strategies are also carefully mapped to your qualified vs. non-qualified accounts to optimize after-tax returns.

When clients require periodic withdrawals for retirement, IWM structures a retirement income plan which automatically provides the cash to fund that income and also considers IRS-mandated required minimum distributions for clients over the age of 70 and ½.

Prosperity Plan Progress Review & Update

Over the course of our relationship, things will change – your goals, life events and health, tax laws, budget needs, and many others.

During the Prosperity Plan progress review and update (which may be calendar or event driven), we will re-evaluate your goals, financial picture, risk tolerance, and investment portfolio, revalidating or modifying what we discussed and planned during original discovery and making changes to the strategy if required.

In addition to personalized progress reviews, IWM provides “any time” on line access to your entire portfolio including comprehensive performance analytics.

We are qualified in partnering with you through life’s events, for example:

  • Retirement
  • Loss of spouse
  • Relocation or career change
  • Sale of a business
  • Sale of home, land or other valuable asset
  • Transfer of wealth to heirs

It can be difficult to navigate any of the above situations without proper guidance.  Our team of seasoned professionals possess the knowledge and qualifications necessary to assist you through even the most difficult planning decisions.