Services | Financial Planning

Our Financial Planning service offers professional expertise tailored to your individual situation. Whether you want a comprehensive analysis or a review of a specific facet of your financial plan, we give you strategic jargon free guidance and objective advice to achieve your financial goals.

Our Financial Planning Process:

Our Financial Planning service offers professional expertise tailored to your individual situation. Whether you want a comprehensive analysis or a review of a specific facet of your financial plan, we give you strategic jargon free guidance and objective advice to achieve your financial goals.

Step 1. Risk Profile

Our introduction to you, your needs and where you currently stand with your financial goals. We identify your unique views about money. This provides us with the foundation to apply our expertise.

  • Time Horizon
  • Duration of your investment needs.
  • Long-Term Goals
  • Overall return objective.
  • Short-Term Risk Attitude
  • Comfort of investment volatility.
  • Liquidity Needs
  • Projected need for distributions.

Step 2. Investment Policy Statement

Ensures we both understand our roles and accountability. There are four key elements to review:

1. Income Provision:

When is income needed and for what purpose? Are there lump sum needs to prepare for?

2. Decision Making:

How your money will be managed.

3. Asset Allocation Provision:

Your custom, highly diversified investment allocation designed to meet your needs without excess risk

4. Provision of Periodic Review:

A written agreement of how and how often your investments will be personally reviewed with your advisor.

Step 3. Select Allocation Model

U.S. Wealth Group creates a custom client portfolio allocation based on:

  • Income Needs
  • Return Goals
  • Risk Tolerance
  • Tax Considerations

By using our proprietary process each client has a truly customized allocation specifically designed for their unique situation and financial goals. Each year we revisit these three steps to continually offer the portfolio allocation most appropriate for each client as their goals and financial needs change.


Financial Life Stages and Planning Services:

As we proceed through life, we experience different stages of financial planning that need to be addressed. These common stages are:
  • Wealth Accumulation- “working years”

    • Ongoing advice on matters of all general financial planning questions and concerns.
    • Retirement Needs Analysis
    • Education Needs Analysis
    • Savings and Investment Analysis
    • Portfolio Investment Strategy and Asset Allocation
    • Insurance and Risk Management Planning
  • Wealth Distribution Planning: “retired years”

    • Ongoing advice on matters of all general financial planning questions and concerns.
    • Retirement Income Cash Flow Planning
    • Tax Management Strategies*
    • Pension Analysis and Election Recommendations
    • Social Security Analysis and Recommendations
    • Portfolio Investment Strategy and Asset Allocation
    • Insurance and Risk Management Planning
  • Estate Planning*: “Legacy”

    • Ongoing advice on matters of all general financial planning questions and concerns.
    • Asset Registration and Beneficiary Designations
    • Wills, Estates and Trust Strategies
    • Gifting Strategies
    • Insurance and Risk Management Planning
Each stage has its own unique set of challenges and considerations. Please click on each life stage to view the relevant financial planning topics that we address with our clients.

Complimentary Review