As an experienced professional, I will work as your
advocate and walk with you every step of the way.
Decision Center Planning
Consider for a moment your future. Consider your current plans, the goals you have yet to accomplish, the major items you want to purchase, the retirement you are expecting at a certain age, and your ability to finish your life with dignity. Are you picturing it?
Now ask yourself one simple question: Will your actual future resemble these plans?
To answers these questions (and more) you need a plan. And by incorporating Decision Center into your overall planning, we can do some truly remarkable things. Every aspect of your Financial Life Connected and accounted for. A thorough financial forecast, considering everything we know today about tomorrow. This truly is the best way I can help you.
First, we will help you get your
Financial House Organized.
We will get all of your financial information in one safe place. It will be consolidated, visible, and updated daily. We will electronically link all of your bank accounts, investments, credit cards, mortgages to the client portal. Everything you need is instantly accessible. And because Decision Center is a Web Based planning tool, you can access your personal financial planning website from “virtually” anywhere. And once the components of your Finances are visible in one snapshot, you will be able to start thinking about your big picture with greater clarity going forward.
Next, we will design from scratch a custom tailored financial plan based upon your unique life.
Your plan will include thorough Cash Flow and portfolio growth projections, which will serve as your roadmap for YOUR financial goals going forward. And Decision Center aggregates, reports, and consolidates all of your wealth in one central location. Just like your GPS in your vehicle, This planning will guide you step-by-step, year-by-year toward your financial goals.
And as time goes on, we will utilize your financial road map to track your progress.
We will be able to potentially test “what-if” scenarios, such as retiring early, downsizing your home, or traveling even more during your retirement years. This planning component allows us to test growth implications, spending projection changes, distribution modeling, and the impact of all of these on your financial stability throughout the rest of your lifetime.
Professional Investment Management
We will define YOUR investor profile
Your investment options are overwhelming.. And if you set out to research things on your own, where do you start? And even if you feel like you know what you should do, investing is stressful. Emotions can interfere and sway your decisions. In a sea of information, how are regular persons supposed to select appropriate investments for their near and long term goals? With a decade + worth of experience and product knowledge, and I can help evaluate your options and support you in making objective decisions based on the strategy that best suits you and your family
We will start by assessing your investing preferences and needs by either a general discussion or
a formal investor quiz. And the discussion always starts with these key “elements.”
YOUR Risk Tolerance
For The Funds
How much loss can your stomach handle?
Risk tolerance is an important component in investing. You should
have a realistic understanding of your ability and willingness to stomach
large swings in the value of his investments; if you take on too much risk,
you might panic and sell at the wrong time.
How soon will you start taking money from these funds?
The time horizon is the length of time over which an investment is made or
held before it is liquidated. Time horizons can range from seconds,
in the case of a day trader, all the way up to decades for a buy-and-hold
investor or an individual who is investing in a retirement plan.
Why are you investing?
You may have many different answers for this question, but there is a big
problem if you have no answer at all. Investing is like driving - it is best done
with your eyes open! Having clear reasons or purposes for investing is
Know your tax bracket!
Accounts can be taxable, tax deferred, or tax exempt Simply put, tax efficiency is a measure of how much of an investment's return is left over after taxes are paid. The more that an investment relies on investment income (rather than a change in its price) to generate a return, the less tax-efficient it is to the investor.
How much will you need?
When you tart taking money from these accounts, what what will be an appropriate rate to follow? We can, together, establish the answers to these questions to make sure that you're financial road-map is prepared for the foreseeable future.
We will select YOUR investment products and allocations
We will MONITOR & REVISE your allocations over time
Collaborating with you, we will select appropriate products and construct your asset allocations designed with your personal investor profile in mind. My Investment selection philosophy is grounded in doing the best work for my clients. I utilize fee based accounts (containing ETF’s and individual stocks), mutual funds, alternatives, and annuities products. And I believe that the best way to select your investments is to utilize the planning tools inside of Decision Center to better understand the long term outlook of our Choices
Selecting top quality investments is merely the starting point. Moving forward, we will pro-actively monitor your investments. We will work to ensure that managers are adding value, and risk is being controlled. We will evaluate annually and make any necessary money management changes if the situation warrants. And through utilizing Decision Center we can have an active and accurate depiction of what your aggregate portfolios look like to together in one comprehensive allocation report.
Investing involves risk, including the risk of loss. No strategy assures a profit or protects against loss.
Ready for professional help with Your Investments?
Let's determine your Risk Score
I am a firm believer in adequate Life Insurance and Long Term Care coverage.
One unfortunate occurrence can spell financial catastrophe, tearing down the financial security many have spent a lifetime building. And often loss is not all at once. Assets could be depleted slowly over time due to an illness, a disability, or even a long-term care need, leaving a healthy spouse without the funds they need to live. Consequently, insurance becomes a critical tool to protect and preserve one's financial well-being. Cost effectively transferring risk to the deeper pockets of an insurance company is a very intelligent move for many, and will minimize the financial damage of a catastrophic or unanticipated life event.
Protect against the loss of income as a result of a death or disability
Provide an alternative investment asset class that seeks more-predictable outcomes than other asset classes.
Provide for the payment of potentially crippling (financially) medical and skilled care expenses as a result of an illness, an accident or mental incapacity
Fund the orderly transition of ownership of a business in the event of loss of a major shareholder/owner
Fulfill a family's charitable inclinations in an economically efficient way
Provide needed liquid funds to pay estate taxes, rather than having to sell assets a family would rather keep (e.g., a business, a family home, collectibles, etc.)
Life Insurance Can Provide Benefits while you are still alive.
What if a massive health issue occurs to you and you are still alive but have been financially crippled due to an inability to work and/or boggled down with massive medical bills? Accelerated Benefit Riders are an added enhancement included with some Insurance Policies that enable the policy owner to receive a prorated percentage of the their policy death benefit. These additional benefits enable the policy holder to receive monetary compensation should certain "life Health Event" occur. Some insurance companies differ on how much cash can be pulled out and how close to death the insured has to be in order to receive these benefits. Insurers offer anywhere from 25% to 100% of the death benefit as an early payment.
If you are diagnosed with an illness where death is expected in less than 24 months.
If you are not able to perform 2 of the 6 daily functions of living. Which are bathing, continence, dressing, eating, toileting or transferring
If you are diagnosed with a non-terminal illness, if it qualifies, it will be rated by it’s level of severity
Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing. Guarantees are based on the claims paying ability of the issuing insurance company.
Connect With Me to Schedule a
David Willett is a Registered Representative with, and securities are offered through, LPL Financial (LPL). Member FINRA/SIPC. Investment advisory services offered through Trilogy Capital (TC), A Registered Investment Advisor. TC markets advisory services under the name of Trilogy Financial (TF), an affiliated but separate legal entity. TC and TF are separate entities fromL PL. Please add your “CA Insurance Lic#” if you hold one. Be sure to use this exact format. Insurance must be in a type size no
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