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Fiduciary Financial Planning & Wealth Management
Choosing someone to help manage your financial future is significant decision.
After all, you are not simply choosing investments. You are choosing someone to help you navigate retirement income, taxes, market changes, estate considerations, and decisions that may affect your family for years.
Therefore, begin with one important question:
Is your financial advisor required to put your interests first?
At Wealth Watch Advisors, fiduciary financial planning begins with understanding you. First, we learn about your financial goals, concerns, priorities, and vision for retirement. Then, we help you create a coordinated strategy for your financial life.
Trusted
Wealth
1. Understand What Fiduciary Means
A fiduciary financial advisor is a professional who is legally required to put your best financial interests ahead of their own.
They must prioritize your financial well-being over their own pay, bonuses, or company incentives.
They must use careful research and professional skill to make informed recommendations tailored to your goals.
They must clearly disclose how they make money and point out any possible conflicts of interest.
That sounds simple. But it’s an important distinction.
Your financial strategy should be based on what is appropriate for your circumstances, not simply on a product or investment.
2. Start With a Financial Plan
Good advice shouldn’t begin with:
“Here’s what you should buy.”
It should begin with:
“What does success look like to you in retirement?” “What are your goals and drivers in retirement?” “Is living in the now or creating legacy for your family more important?
Fiduciary financial planning looks at your retirement income, investments, taxes, risk, estate considerations, and family goals before determining an appropriate strategy.
We have partnered with E-Money to bring our clients the gold standard in Fiduciary Financial planning software.
3. Look Beyond Investment Management
Wealth management is about more than managing a portfolio.
As retirement approaches, financial decisions become increasingly connected.
Taking additional income from an IRA could affect taxes. A Roth conversion may influence future retirement income. Market volatility could affect your withdrawal strategy.
Looking at the complete picture helps you make more informed decisions.
4. Expect Your Strategy to Change
Your financial life at 60 may look very different at 70 or 80.
Markets change. Tax laws change. Families change. Your priorities change.
That’s why wealth management shouldn’t be a one-time recommendation.
Your financial strategy should evolve with you.
5. Choose a Relationship Built Around You
Technology and investments matter.
But financial planning is ultimately about people.
At Wealth Watch Advisors, we begin by listening. We take the time to understand each client’s goals, concerns, and vision for retirement before recommending a financial strategy.
Because your financial plan shouldn’t start with a product. It should start with you.
FAQ
How are you compensated for your services?
We are compensated as a fiduciary by a fee based on the assets under management which is standard in the industry.
How will my portfolio be managed and optimized over time?
Advisors will make sure you have the right asset classes in the correct asset allocation for tax purposes as well as being able to use some of our managers for tax loss harvesting.
How will my portfolio be optimized for taxation?
We review your current financial situation, including assets, retirement accounts, investments, income sources, insurance, tax considerations, and estate planning documents.
How often will you review my financial plan and portfolio?
A typical financial plan review would happen annually while an advisor might review a portfolio quarterly, semi-annually, or annually depending on clients preference.
What services are included with a Fiduciary Advisor at Wealth Watch Advisors?
At Wealth Watch advisors you have the ability to work with a Financial Advisor who can tailor a custom portfolio to your risk tolerance and financial needs as well access to a Financial Planner who can use E-Money to create a financial plan for your family.