The right strategy at the right time
is the ultimate recipe for success. Learn key strategies and tested best-practices for each phase of your life.
Starting a Family
Begin building a strong foundation.
Nothing is more exciting than the prospect of starting a family. Nothing is more satisfying than doing it confidently. It’s also a major financial undertaking and a personal commitment like no other. There is no substitute for planning to start your family with confidence and the ability to focus on giving your children everything you’ve got and all that they’ll need.
How do you merge your finances now that you’re married?
Do you have strategies in place to ensure that your family is financially protected in emergencies and unforeseen events?
Are you financially ready to have children?
Will your current retirement strategy allow for you to maintain your current lifestyle well into retirement?
Don’t let your fears and uncertainty about how to move forward keep you from taking action. The earlier you start the more your efforts will compound over time. There are critical tasks to handle in this stage of life, so let’s get going.
It’s time to get on the same page. Without a plan that understands the Big Picture, decisions get made in a vacuum, working against each other and results in creating a Financial Junk Drawer, a mess of financial products and strategies accumulated through the years. You need order, control and a systematic structure for wealth building. You need a Financial MacroManager coordinating and integrating advice and activity from the many facets of your financial life.
The benefits of getting started right away can’t be overstated because the impact of even an additional year or two yields dramatic dividends in the future. Procrastination and putting things off is the all too common enemy here, so don’t succumb to it. You’ll only add to an ever-larger Financial Junk Drawer and work against wealth creation, rather than for it.
With a family to provide for, you have a growing need for liquidity in the event of what can’t be anticipated, from family emergencies to job loss. We recommend minimizing debt, especially high-interest debt that’s non-deductible, and keeping up to 50% of your annual income in liquid instruments. In doing so, you’ll be positioned for investment opportunities as they become available.
You can protect everything with a will. A property designed Will is an essential part of protecting your wishes for how your assets to be directed and managed. Depending on what state you live in, you may have what’s called an “intestate will”. Intestate laws give the state the power to determine how your assets are distributed when a will is not present. This simple yet essential step helps ensure the state won’t determine how your assets are distributed without a will, and that your wishes are followed. And assets are only part of it: who will raise your children, what happens to your business are at stake. You can protect everything with a will coordinated by your MacroManager with all other micro managers such as accountants, bankers, investment advisors, and your lawyer.
The bigger the castle, the bigger the moat. This is simple common sense ensuring that in the event of accident, lawsuit, death or simply you are unable to work, you and your loved ones can maintain your lifestyle. We all want maximum protection. What if we could recapture the cost to acquire this greater protection without any out of pocket cost to you, would you do it? What if we told you that right now, there is a high probability your finances were not optimized, and you are not getting the most out of the money you earn and save.
What’s more important: your car or your family? That’s easy. But surprisingly, most people have their automobile fully-insured, but don’t have proper protection for their family. Life insurance is a critical but too often overlooked component of far too many financial plans. Properly purchased and implemented, it can protect, ensure liquidity and provide income as a husband and wife protect each other. From tax-free income to using it as collateral, it is an investment resistant to market volatility/fluctuations providing multi-dimensional benefits and peace of mind.
Avoid negativity with a positive prosperity-driven mindset and visualize achieving your goals. Getting married and raising children is one of the most exciting, fun and truly rewarding things that life offers, but it’s also an adventure that will define your lives for the rest of your lives. To enjoy all that your children will do to enrich your lives, plan and prepare to ensure a secure future for all.
Growing Kids
Enjoying the great parental adventure
Can anyone actually ever be fully prepared for the rigors of parenthood? Of course not. If only if were that easy! As most every parent will admit, part of the charm of raising children is the unknown; the trials and tribulations, as well as the laughter and the joy that combine to create memories that are priceless and adventures that are simply indescribable. But there is no substitute for planning to be as prepared as possible and build wealth that will provide you the richest family experience with the greatest satisfaction and peace of mind. The best defense is a great defense and planning makes all the difference. Don’t let your fears and uncertainty about how to move forward keep you from taking action. There are critical tasks to handle in this stage of life, so let’s get going.
It’s time to get on the same page. Without a plan that understands the Big Picture, decisions get made in a vacuum, working against each other and results in creating a Financial Junk Drawer, a mess of financial products and strategies accumulated through the years. You need order, control and a systematic structure for wealth building. You need a Financial MacroManager coordinating and integrating advice and activity from the many facets of your financial life.
Few expenses are rising faster than college education, both public and private. Great tools are available to help you plan and prepare with tax benefits throughout the process. You’ll be ready to provide your children the educational options and opportunities they deserve when it’s part of a wealth building strategy coordinated by your Financial MacroManager.
With a family to provide for, you have a growing need for liquidity in the event of what can’t be anticipated, from family emergencies to job loss. We recommend minimizing debt, especially high-interest debt that’s non-deductible, and keeping up to 50% of your annual income in liquid instruments. In doing so, you’ll be positioned for investment opportunities as they become available.
You can protect everything with a will. A property designed Will is an essential part of protecting your wishes for how your assets to be directed and managed. Depending on what state you live in, you may have what’s called an “intestate will”. Intestate laws give the state the power to determine how your assets are distributed when a will is not present. This simple yet essential step helps ensure the state won’t determine how your assets are distributed without a will, and that your wishes are followed. And assets are only part of it: who will raise your children, what happens to your business are at stake. You can protect everything with a will coordinated by your MacroManager with all other micro managers such as accountants, bankers, investment advisors, and your lawyer.
The bigger the castle, the bigger the moat. This is simple common sense ensuring that in the event of accident, lawsuit, death or simply you are unable to work, you and your loved ones can maintain your lifestyle. We all want maximum protection. What if we could recapture the cost to acquire this greater protection without any out of pocket cost to you, would you do it? What if we told you that right now, there is a high probability your finances were not optimized, and you are not getting the most out of the money you earn and save.
What’s more important: your car or your family? That’s easy. But surprisingly, most people have their automobile fully-insured, but don’t have proper protection for their family. Life insurance is a critical but too often overlooked component of far too many financial plans. Properly purchased and implemented, it can protect, ensure liquidity and provide income as a husband and wife protect each other. From tax-free income to using it as collateral, it is an investment resistant to market volatility/fluctuations providing multi-dimensional benefits and peace of mind.
Little is more satisfying in life than being able to enjoy the laughs and tears of parenthood. Avoid negativity with a positive prosperity-driven mindset and visualize achieving your goals. With the right mindset, you’ll help enrich the experience for your children even more, confidently with a sense of security because you’re prepared with a plan to enjoy it all to the fullest.
Nearing Retirement
Make sure you're ready. Really ready.
At the stage of life when retirement is on the nearing horizon, you can have confidence knowing your plan has been executed and monitored to ensure the retirement you’ve earned. Understanding how income from a wide variety of sources needs to work together for the lifestyle you want without struggling or merely getting buy. You deserve better.
Do I have enough money saved for retirement?
How do I allocate my assets to ensure they are protected?
What are some last minute strategies to boost retirement income?
I haven’t done a great job of retirement planning, is it too late to start?
There are critical steps to take and most important of all is understanding that this isn’t the time to let fears or uncertainty rule – it’s time for you to think positively and take action.
Now is the time to identify the right investments that best maximize income and cash flow in your retirement. To do it, analyze where you are, and reduce hidden costs and fees you may have been told are unavoidable. All part of cleaning out that Financial Junk Drawer. We put our specialties to work by helping you toward maximizing your cash flow and minimizing cost and fees.
Pay close attention to your plan and how you’re doing. The objective is maintaining your lifestyle today and sustaining it through your retirement years. You can do it with diligent stewardship and tested, performance-proven strategies. Take advantage of a Truvium Financial MacroManager and avoid compartmentalized thinking that works against you.
Even if you’ve saved enough, there are ways to effectively increase flexibility that breathes new life into it Opportunities to increase and maximize cash flow beyond your income level without decreasing your assets. Your Truvium MacroManager will show you how to spend more in retirement and do it without adversely impacting what you’ve built.
Protect your legacy and avoid the state distributing for you with a will that’s up to date and constructed to seamlessly execute your intentions. From loved ones to charities and causes that matter most to you, your will should be regularly reviewed with an eye on prudent and proactive tax planning, a core coordinating services of your Truvium MacroManager.
With working years still ahead, this is an important time to fine-tune insurance coverage and protect your estate against health costs and emergencies. Proactive common sense that can be a tremendous value reviews car, homeowners, health and life policies. If you don’t have a liability umbrella rider, consider adding one to make sure you’re fully protected.
Living Retirement
Enjoying all that you've earned.
Congratulations on a job well done. Retirement is a goal and a reward; now it’s your time. As with every Truvium client, our focus is on you achieving your financial and life goals. Retirement isn’t the end but a well-deserved and hard earned new beginning.
You really can have it all. A remarkable rate of return and with reduced risk. Cash flow that’s optimized while costs, fees and tax liability are controlled. It’s what we do like no one else. If you’re ready for a better night’s sleep during your golden years, we should talk, or start by reading some key strategies and concepts commonly overlooked by traditional financial planners below.
Even if you feel you’ve done a less than perfect job in planning for retirement in earlier years, its never too late to make positive changes that can substantially impact your financial flexibility today!
This is ultimately the most important question on retirees’ minds. Maybe you’ve saved plenty, but you don’t know how to make it come to life. It’s time to identify the right investments and strategies to best maximize income and cash flow in your retirement, net worth isn’t important if you cannot enjoy it.
The idea is to ensure you have the best of both worlds. It’s possible and you can make it happen with strategies that enable you to spend all of your money but never run out of money. You can fully enjoy your Golden Years, and in many cases actually reduce your tax liability. Many retirees commonly overlook this – act now and don’t become one of them.
There are a host of factors that erode wealth. Many can’t be controlled but others can and it’s essential to understand the difference and proactively address what you can control, because these don’t stop during retirement, but continue working against your goal. Your Truvium MacroManager can show you how to fully protect and preserve your financial legacy. But you can start here by learning these non-traditional concepts that are at the heart of Empowered By GENIUS™.
After ensuring your needs are met, you’ll naturally want to ensure what you’d like to leave for your children, charities and causes important to you. It’s important to communicate your intentions with your children, divide your estate fairly, and leave them with as much as possible. Your prudent planning will inspire responsible financial behavior in them.
Without a comprehensive view that understands everything that constitutes your total financial picture, it’s impossible to see all of the threats – or the available opportunities. There are smart, effective strategies that enable you to enjoy a higher rate of return than you ever imagined, and with less risk. Your Truvium MacroManager can show you how.
We’ve changed the conversation about money to provide clarity, coordinated planning and to systematically empower wealth building. We ask the right questions to learn about you and where you want to go. How we get there sets us apart.
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