TrueWealth Stewardship

Financial Services

We help clients match their finances to their unique needs. For those client who want their finances to better reflect their values we invite you to explore our "Empowered Wealth" program.

Are you a busy person? Lots of our clients are -family, work, volunteering, you name it! Many of them are fully capable of managing their own money. But they have partnered with us to help keep them on track or to stay on track toward their goals.

Our business clients are busy running a company. In most cases they have employees who are counting on them for a paycheck. There isn't a lot of time or energy left most days to stay up on some of the tax implications of owning a business. We work with our clients to identify strengths and weaknesses in their personal and business planning as it directly impacts how much they pay in taxes versus how much money they keep in their pocket.

We help you determine what risks you are exposed to and if you have the appropriate coverage for the risk you are willing to bear. We partner with nearly 50 top companies to help our clients manage the risk and protect their families and/or businesses should the worst happen.

We are independent. So we are able to use products from nearly all companies who partner with independent advisors. We can work passively or actively depending on the needs of our clients.

For most people this is the most important part of their planning. We spend a lot of time understanding our clients' current health situation, and where they see challenges in the future.

Successfully managing "longevity" is directly related to how you manage money so you don't run out of it. Most people don't understand this relationship. We help them with that struggle by sorting out and identifying the challenges so we can create strategies to meet them head on.

We help educate people on their options before doing anything. Its why we believe so strongly in the planning process. When you know your "why" and your "what" then decisions become much clearer.

Ken Fischer hates annuities. But he doesn't really know how they work, nor does he want to. He makes a lot of money by scaring people with outrageous statements while failing to explain how much he charges for his services.

On the other hand, we love annuities - when our clients actually need them and understand their purpose in an overall retirement income strategy. Annuities don't have to be scary, or hated, or bad. But when used incorrectly they certainly can be. So don't be afraid to ask questions. We try to help our clients make educated choices related to using annuities to create lifetime income for themselves.

Do you love buying insurance? Didn't think so. Most people would rather die than deal with it. We get that. Which is why we don't work for an insurance company directly or via an affiliation. We are able to "broker" all our insurance - life, disability, and long-term care to multiple companies. That way we can offer more than one option and a variety of pricing options.

This is an important but scary part of financial planning. We work hard to minimize the complexity and the scare tactics that some people use to explain how trusts and estates work in the real world. Not everyone should have a trust, but everyone is going to die so we all need a plan on how to handle our affairs after death.

We love tax planning! While none of our staff are enrolled agents or CPAs, we work closely with them (whether it is your advisor or you ask to be referred to one we know) to minimize or even eliminate future taxes.

This is an important part of our planning for clients and changes as often as Congress is in session.

We have numerous options to provide help for your child or grandchild. We have college planning and selection services along with strategies to maximize your ability to receive financial aid. We can also educate you on the realities and myths of 529 plans.

We have many strategies and have access to too many companies to mention here. The important thing is to figure out what you need and why. Then we can find a strategy that matches your needs.

Wealth management encompasses many different aspects of personal finance. And for clients with high net worth (over $3 million) there are many intricacies... especially tax planning and legacy planning that become increasingly important to managing wealth for current and future generations.

While we do help clients with their budget, for people who struggle with debt and bill paying we have partnered with a local company who is better equipped to handle those special situation.

When you have been successful, it seems like their are more complications than when you didn't have any money. Wealth management encompasses more than investing - it includes tax planning and risk management, as well as estate planning. And then there is the everyday cashflow issues of running a household. We help clients think through what they value most and build a plan that fits their personal situation.