The unexpected is something all of us have to embrace in life. There is inherent risk in almost everything we do, but it’s how we prepare for it and manage it that determines whether or not we succeed.
In the accumulation phase (working years), your primary risk is premature death. This is commonly managed through life insurance. However, during the distribution phase of your life (retirement), several other risks can have a tremendous impact on your ability to successfully retire.
Our goal at W3 is to help you mitigate those risks by providing proper education and planning so that you feel prepared for anything life throws at you.
The risk of your current portfolio not providing you with the flexibility you need when unanticipated needs arise.
The risk of the cost of goods and services increasing over time.
The risk of outliving the assets that you have set aside for retirement.
The risk of being forced to deplete a significant portion of your assets to pay for long-term care.
The risk of losing all or a significant portion of your money invested in the stock market.
The risk of not being able to leave a financial legacy to people and/or organizations you care about most.
The risk of incurring negative returns early in retirement while also taking withdrawals from your investment accounts.
The risk of tax laws changing and negatively impacting the resources used to fund your income needs.
We take a logical, strategic approach to help clients succeed. It begins with gaining a deep understanding of where you have been, where you are today, and where you want to be in the future.
Fee-Based Planning offered through W3 Wealth Advisors, LLC, a State Registered Investment Advisor. Third Party Money Management offered through Valmark Advisers, Inc., a SEC Registered Investment Advisor. Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. W3 Global Accounting provides only tax and accounting. W3 Financial Group, LLC, W3 Wealth Management, W3 Wealth Advisors, LLC, and W3 Global Accounting are separate entities from Valmark Securities, Inc. and Valmark Advisers, Inc. Form CRS
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
