Michael Freedman

Founder of Innovative Financial Solutions

About Michael

Michael is an industry veteran whose efforts for clients now spans more than 25 years. He has effectively navigated through vast swings in market conditions to help clients pursue their goals.

Michael is the founder of Innovative Financial Solutions, Inc. which is now partnered with WealthCare Advisory Partners. This combination brings together deep experience across financial markets and instruments with leading-edge financial technologies.

Michael is a Certified Financial Planner™ Professional, a Chartered Financial Consultant and an Enrolled Agent as designated by the Department of Treasury. In addition, he is a licensed LPL Financial Registered Representative and maintains Life, Health, Annuity, Property and Casualty insurance licenses in Florida as well as other states. Michael is a graduate of Florida State University with a Bachelor of Science in the field of Economics.

Michael enjoys traveling with his wife Shera and three sons Andrew, Austin and Max.

How We Strive To Succeed

  • We start with a discovery meeting (which is free) to discuss your current financial situation and your financial goals. This affords us both the opportunity to determine if we are a good fit and if we will work well together.
  • We personalize our approach to your financial independence based on building a deep understanding of what drives you, your risk profile, and your financial goals. We align your investments with your personal goals.
  • We combine deep experience across financial markets and instruments with leading-edge financial technologies.
  • We are watchful and we flex, adjusting to changing market conditions or changes in your financial goals.
  • We maintain fluid communication, meeting both in person (at our office or at your home if circumstances require) and through online conference (using teleconference and screen sharing). We make sure you know where you stand, presenting your progress reports in “plain” English.
  • We assure transparency so that you understand our engagement process. For Project Planning, we work on an hourly basis. For Financial Plans and ongoing planning needs, we work on a flat fee/retainer basis. For Investment Management, we work on either a flat commission or a percentage fee.
Michael Freedman

Life Relevant Financial Advice

“My clients’ success is built on well-thought out plans, solid execution, and watchfulness and adjustments to changing market conditions and client goals.”

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About Our Partner, Wealthcare

Established in 1999, Wealthcare Capital Management (Wealthcare) is a very different kind of a financial advisory firm. We pioneered a new way of providing financial life guidance, using Goals-Based Wealth Management. The cornerstone of our patented goals-based investing process is quite simply to help our clients, above all else, to make the most of their life.

We work towards this by helping you understand and identify your most important life goals. And then we align your investments with those goals. Our process guides you through the myriad of changes in your life that will invariably require financial decisions. This is what we refer to as Financial Guidance for Life—helping you pursue your goals, through market fluctuations and changing life circumstances.

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GDX360 Wheel
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Our Process

Wealthcare’s patented process is designed to help you work towards your life goals, while aiming to minimize unnecessary investment risk or needlessly sacrificing your life now.

Our process is dynamic and continual, as is life, and it will guide you through the entirety of your financial life.

MOST IMPORTANTLY, THE WEALTHCARE PROCESS IS YOU- DRIVEN. NOT MARKET DRIVEN. IT’S POWERFULLY WISE. IT’S REFRESHINGLY CLEAR.

A conversation that helps you to visualize your most important life goals

 

Align Your Investments With Your Goals

Do you like to travel? How will you pay for your children’s education? What exactly does “comfortable” retirement look like to you? You’ll cover these topics — and more — during our initial conversation.

We’ll use this conversation as a launching pad for creating your financial life plan, a dynamic financial guidance system that evolves as your circumstances and financial markets change. We will continually monitor your plan against your changing life events and your investment portfolio, keeping the two in sync. Our software runs sophisticated market simulations, designed to monitor, measure and track your progress and report back to you with clarity.

Your Comfort Zone®

You will have confidence in your financial life plan because I will be constantly performing analytics to work towards your financial goals. At Wealthcare, we call this being in the Comfort Zone. The Comfort Zone measures the probability of reaching your financial goals. And it also alerts you if you veer off course.


John & Ann's Confidence Level is 85%

Overfunded

Comfort Zone®

Underfunded

  • $1,000,000
  • $800,000
  • $600,000
  • $400,000
  • $200,000

Net Worth $

  • 2016
  • 2020
  • 2025
  • 2030
  • 2035
  • 2040
  • 2045
  • 2050
  • 2055
  • 2060

John's Age

  • 36
  • 40
  • 45
  • 50
  • 55
  • 60
  • 65
  • 70
  • 75
  • 80

Ann's Age

  • 34
  • 38
  • 43
  • 48
  • 53
  • 58
  • 63
  • 68
  • 73
  • 78
  • Savings Goal
  • Life Goal
  • Educational Goal
  • Retirement Goal
  • Retirement Income Goal

Click on a goal to see more

Comfort Zone Example Chart
This chart is for illustrative purposes only.
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Stay on Course

As your circumstances, goals and priorities change, we will work with you to make appropriate adjustments. Whatever life events come your way — from expanding your family to buying a vacation home — we will monitor and measure each event against its financial impact on your plan.








 
 

Enjoy a Fulfilling Life Now

We don’t believe you should make unnecessary sacrifices in life or take unnecessary risk.


What if you could: Spend more. Save less. Retire earlier. Or take less investment risk?

  • It shows how to make smart trade-offs among your different and often competing priorities
  • It helps you achieve a unique personal balance

Learn More About Wealthcare


What's Wealthcare?

Discover what you can expect from the Wealthcare process.

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Life + Investing

Living well...investing well... In the Wealthcare process, it’s all one and the same.

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It All Starts with a Great Conversation

A conversation that helps you visualize your most important goals and helps your advisor create a life plan for achieving those goals.

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What is Comfort Zone?

Central to the Wealthcare GDX360 process is the Comfort Zone®, produced by our patented financial planning technology.

Learn More

Contact

Ready to start the conversation? Contact me at 561.558.9064 to schedule an appointment.


Michael Freedman
7900 Glades Road, Boca Raton, FL, USA

Phone: 561.558.9064
FAX: 561.617.9252
Email: Michael.Freedman@lpl.com

Strategic Partnerships

Wealthcare Advisory Partners LLC (WCAP) has developed strategic relationships with several firms in order to provide a full investment management experience for our advisors and clients. The key firms in our investment process and their relationship with WCAP are described below:

LPL Financial

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LPL Financial LLC (LPL) is a FINRA-regulated full-service broker-dealer which provides brokerage services to WCAP advisors. Most of WCAP's advisors are also securities registered with LPL. LPL offers a full range of securities products and services, as well as insurance products and services which are made available to WCAP clients through our common financial advisors.

LPL also provides custody and clearing for WCAP's Advisory accounts.

Wealthcare Capital Management

Wealthcare Capital Management LLC (WCM) is contractually engaged by WCAP to provide financial planning, discretionary investment management and non-discretionary advisory services to WCAP clients. The financial planning process WCAP uses was developed by WCM, and WCM manages and runs the planning department and technology that WCAP uses today.

WCM is an Investment Advisory firm registered with the Securities and Exchange Commission and manages over $1.3 Billion.

WCM also provides WCAP administrative, corporate financial, accounting and legal services under contract to WCAP to facilitate the running of WCAP's business.

While WCM and WCAP have some common corporate management and staff, they are separate and distinct legal entities with their own ownership structure.

WCAP and WCM are Investment Advisors registered with the Securities and Exchange Commission. Securities offered through LPL Financial, Member FINRA/SIPC.

LPL is not otherwise affiliated with WCAP or WCM. There is no common control or ownership, and LPL is a separate legal entity.