Comprehensive Wealth Management Help to Create and Grow Wealth Investments - are they appropriate? Insurance (Life, Health, Disability, Umbrella, etc.) - adequate / cost effective? Is there a plan to minimize taxation? Assisting You With Protecting and Preserving Wealth Overall Investment Portfolio - asset allocation, diversification, non-correlation Overall Insurance Program - adequate / cost effective? Tax Sensitivity Plan Plan Distribution of Wealth at Retirement Retirement Plan, Roth and Traditional IRAs, Pension Plan, Social Security Business Succession Plan / Stock Options Transition Plan - in case of incapacity; does it provide continuity? Gifting to Family - does it provide tax-efficiency and control? Gifting to Charity - does it provide tax-efficiency and control? Review beneficiary designations - does it provide continuity? Plan Distribution of Wealth at Death Titling of Assets - probate avoidance, estate tax minimization, transition Distribution plan to spouse, loved ones, charity Who are executor and trustee (establish transition plan)? There is no guarantee that asset allocation and diversification will enhance overall returns, outperform a non-diversified portfolio, nor ensure a profit or protect against a loss.