Porte Brown Wealth Management

Providing Financial Peace of Mind for Goal Oriented Clients™

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Porte Brown Wealth Management uses a holistic approach to address clients' financial needs. This approach to wealth management is designed to identify 10 key issues that you and your financial advisor systematically address in order to implement comprehensive solutions.

Is your plan a perfect 10?

Comprehensive Financial Solutions

Method 10®
You and your financial advisor work together to systematically address 10 key wealthcare issues.

Investment Planning

Have you determined that your investment portfolios are optimally designed to help you fulfill the promises you make in life?

Designed to strike an optimal balance between risk and reward through portfolio construction and the discipline to hold fast to one’s investment program during the peaks and valleys of the business cycle.

  • Asset allocation
  • Portfolio design
  • Diversification strategies
  • Alternative investments
  • Fixed-income strategies
  • Investment policy statement
  • Needs assessment
  • Monitoring and review

Tax Planning

Do you use all available techniques to help reduce your federal, state and local income taxes?

Taxes are inevitable, but you can work to avoid unnecessary taxation through tax-optimized solutions.

  • Tax-optimized investing
  • Charitable planning
  • Trust services
  • Tax-loss harvesting
  • Tax burden reduction
  • Estate tax planning

Retirement Planning

Have you had a professional analysis done to determine if your personal retirement programs will offer you the potential to retire with
independence and dignity?

Individuals should approach retirement planning from three fronts: employer-sponsored plans, Social Security or other government programs, and individually-owned plans.

  • Distribution planning
  • IRA contributions and rollovers
  • Income projection analysis
  • Employer-sponsored plans and 401(k)s
  • Social Security retirement plans
  • Retirement goal setting

Estate Planning

Do you have a current and properly drafted will, living will and/or trust that will distribute your estate in the most tax-efficient manner, and continue your legacy according to your promises, core values and wishes?

Regardless of your overall net worth, there are several non-tax reasons to fully engage your advisor on the subject of estate planning. Beyond minimizing the tax bill, your advisor can help you craft an estate plan that addresses many vital issues, such as who gets what, when and how much.

  • Tax reduction
  • Wealth transfer
  • Charitable giving
  • Trust services
  • Wills
  • Irrevocable life insurance trusts

Risk Management

Does anyone in your family have special medical needs or financial considerations (such as Alzheimer’s, physical disabilities, divorce, alcoholism, drug addiction or M.S.) and have you evaluated all solutions available to them and to you?

External forces such as divorce and elder care can strain even the strongest of financial plans. Properly managing risk and planning for special situations requires proficient wealth management programs to utilize insurance, investment and tax planning skills to create an effective solution.

  • Life insurance analysis and design
  • Long-term care insurance
  • Income replacement
  • Disability protection
  • Creditor protection
  • Elder care planning
  • Divorce
  • Incapacitation and control of assets

Education Planning

Have you determined how you will financially contribute to the education of your children and grandchildren?

Effective education planning involves asset allocation, tax planning, estate and generation-skipping planning, asset protection planning and financial aid considerations.

  • Education savings accounts
  • 529 college savings plans
  • UGMA/UTMA accounts
  • Trust services

Business Planning

When was the last time you appraised the value of your business, created your business succession strategy or prepared for contingencies in unplanned events?

The majority of business owners have no written succession plan. If your wealth is tied up in your business, a lack of formal succession planning could be financially and emotionally devastating.

  • Business succession
  • Buy-sell agreements
  • Non-qualified retirement plans
  • Key employee retention

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Seasonal Planning

Porte Brown Wealth Management offers and integrated, tax-centric approach to wealth management to help you achieve your financial goals. We work with you to preserve and grow your wealth by providing a high level of service and support throughout the planning process.

Investment Mgmt. Only

Financial Plan Only

Seasonal Model Only

Most Appropriate for Clients Who

  • Want investment advice, such as product selection & asset allocation
  • Want a current picture of their financial status associated with their important goals
  • Want recommendations of solutions to accomplish specific goals
  • Want an ongoing, fee-based relationship that aligns their financial goals & values with their financial plan
  • Wish to take an active, collaborative role in the financial planning process to achieve a successful result

Client Service Offering (annual)

  • 1-2 scheduled review meetings (in person or virtual)
  • Additional financial advisor engagement as necessary
  • Scheduled meetings during the financial plan creation process only
  • 4 scheduled meetings (in person or virtual)
  • Ongoing review of goals & personalized financial plan

What You Can Expect

  • Annual review of performance
  • Analysis of investment portfolio
  • Review of recommendations, including risk tolerance, financial goals & investment mix
  • Creation of initial financial plan with recommendations to achieve your goals
  • Annual update of financial plan
Seasonal Planning Overview:

Goal Tracking – Review financial goals & progress

Asset Allocation – Review & update risk tolerance and investment mix

Family Security & Cash Flow – Review cash flow, spending, insurance coverage, estate planning & employer benefits

Tax Planning – Review tax strategies, implications & options to manage tax liabilities

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Next step:

For further information, please contact Porte Brown Wealth Management at achidalek@pbwealth.net or call us at (847) 357-9995.

Providing Financial Peace of Mind for Goal Oriented Clients™

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