A comprehensive financial plan offers more control and helps organize complex financial situations. At Vantedge, our advisors create a collaborative environment with clients to find common sense, easy to comprehend approaches to their personal finances. Why not start building your personalized plan, today?
Every financial decision you make today affects your future financial life, so why not make good ones? It’s time to get a real, meaningful financial plan. When you have clearly defined goals and a path to pursuing them, it gives you confidence, which leads to better financial decisions. Vantedge Wealth Management is ready to help you create your financial plan and coordinate the many important, integrated parts. Read More
Vantedge’s wealth managers don’t just build plans for retirement, because retirement in and of itself is not an endpoint. We build plans throughout your retirement. From modeling cash flows to testing your probabilities of success under different scenarios to consistently evaluating your risk profile, retirement planning with Vantedge Wealth Management will help you pursue the retirement you deserve.
Our investment management approach utilizes different strategies based on your individual goals. There are four main phases; accumulating, pre-withdrawals, withdrawals, and preservation. An effective plan utilizes portfolio management that is specific to the phase of life you’re in and is not limited by proprietary models. Vantedge Wealth Management is always focused on you, our client.
An integral part of a complete financial plan includes coordinating your estate and philanthropic planning. Our team can help you prepare to see an estate planning attorney by modeling and analyzing different strategies and techniques before drafting your final documents. Once that’s done we brief you and prepare you to have an informed conversation.
A well-rounded financial plan includes asset and income protection. At Vantedge Wealth Management, we sort through the vast landscape of insurance companies and products and help bring clarity to you and your plan. Whether your goal is to grow or maintain your wealth, you should always have a plan to protect it.
The first step of any successful financial plan is to establish clear goals. Our process seeks to identify a wide variety of objectives, including long-term, short-term, personal, career, and life goals. Vantedge’s advisors move thoroughly through this vital process with you to structure a holistic plan for you and your family.
No financial plan is complete without a full itemization of a client’s assets & liabilities. If any line items are not appraised, we will work with a certified professional to determine their value before proceeding. For Carlsbad business owners, our in-house business consultants personally handle the complex task of evaluating your company’s assets.
Income and expense planning is vital to creating and modeling your financial plan. We itemize based on areas affected by inflation, ones having tax deductible impacts, and those that will vary over time. For small and midsize business owners, income and spending can fluctuate through seasonal changes, equipment breakdowns, litigation, and much more. A cash flow analysis is vital to ensure you’re making ends meet while factoring in a rainy-day fund for life’s unexpected events.
We take a deep dive into your existing investment allocation and stress test it against your cash flow financial goals. Knowing which asset allocation has the biggest impact on your success is our target, then we match it with your personal preferences to tie it together. Whether it’s divesting funds into a conventional investment vehicle or remaining liquid for a few months, we base our strategies around your level of comfort and ensure it is in line with your long-term plan.
Taxes are often referred to as your largest expense over your lifetime. Where and how an asset is invested can have a big impact on your after-tax return. Income strategies that focus on the most after-tax income have a significant value in a well-designed plan. We stay up to date with the ever-changing tax laws and look to incorporate different strategies that will help you address your financial goals.
Retirement is the beginning of the rest of your life. People are retiring earlier and living longer, which means assets must stretch further than ever before. Regardless of retirement’s duration, our advisors are your financial partners for life and we’ll do everything in our power to keep you on track.
An estate plan should settle outstanding business arrangements, establish power of attorney, involve a will, review trusts, and much more. A well-coordinated estate plan should be part of a comprehensive financial plan. It focuses on providing asset protection and management while you’re alive along with the distribution and protection of your assets when you pass away. We coordinate our planning with your legal representatives to help you complete your plan, and we can help guide you through the legal jargon to finalize this key aspect of your financial life.