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Goals-Based Wealth Plan


As with any investment made in life—a family, a home, a college education—the best results are achieved by carefully constructing a plan and then following that plan consistently over time.


Your total client profile

Your financial goals, relationships, assets, existing advisors, preferred process, and your personal interests.

Current situation analysis

This portion of the plan will include an income and expense analysis and an asset allocation analysis.

Financial goals narrative

A short-term, intermediate-term and long-term goals narrative with the associated risk tolerance for each time horizon.

Goals-based recommendations

Professional recommendations for target asset allocation, tax considerations, portfolio construction, cash management, and future liquidity requirements.

The result of this process is a diagnostic report of your current situation with our recommendations for repositioning your portfolio with the intention of maximizing your probability for success. In addition to the above considerations, these recommendations take into account portfolio costs as well as the potential tax impact of the restructuring.

Clearly articulating your critical factors and your recommendations for achieving your financial goals in an investment plan and an investment policy statement has several important benefits:

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It helps provide long-term discipline to your investment decision-making. A well-conceived plan helps assure that rational analysis is the basis for your investment decisions, making you less likely to act on emotional responses to short-term or one-time events.

It encourages your effective communication. Because it clarifies both the issues that are most important to you and the investment approach and strategy that will be used, it minimizes any misunderstandings that may arise.

It allows both client and advisor to accurately review your critical factors as they may change over time. Such evaluations may indicate that corresponding changes to your investment plan are called for.

There are four important steps to our wealth planning process

Your Total Client Profile

Everyone has different circumstances and aspires to different dreams. As your financial advisor, we can meet your needs well, only when we know you and your unique life situation well. We believe it is important for us to deeply comprehend not only your investments and other assets, but your most important values, goals, relationships and interests. 

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Investment Philosophy Statement

The investment philosophy statement, or IPS, delves into substantially more detail on our investing approach and our strategic portfolio management process. It also provides summaries of the returns of key indices and of a range of hypothetical portfolios, as well as important disclosures, including the asset classes used to construct hypothetical portfolios, sources and description of data used and treatment of certain data.

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Investment plan

The investment plan provides an overview of your client profile, our consulting process and my investment recommendations. It also includes brief descriptions of my philosophy.

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Advanced Plan

If, during our Investment Plan Meeting, we decide to work together, we will create your Advanced Plan. The Advanced Plan focuses on the four key areas of your financial life beyond your investments: wealth enhancement, wealth transfer, wealth protection and charitable giving. We will present this plan to you during our first Regular Progress Meeting.

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Let's Schedule a Discovery Call

We offer a complimentary "Get Acquainted" meeting to learn about your goals and see if our services are right for you. Come in for a cup of coffee and a second opinion – both are free.

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Wellacre Global Wealth Advisors, Financial Planning Consultants, Santa Monica, CA