Clients

Why Goals-Based Planning

Wealthcare connects your life goals to a personalized investment strategy

 

Many financial plans are worthless.

They are created based on responses to a static survey. We believe that financial planning must go beyond traditional tactics. And we don’t think that advisors can keep using risk scores and cut-and-dry confidence metrics to win your approval.

Our goals-based planning approach is a dynamic fiduciary process

Our goals-based planning approach is a dynamic fiduciary process

At Wealthcare, financial planning is a dynamic, fiduciary process.

Flexible plans are created that reflect the realities of your life.

Our approach goes beyond conventional financial planning, giving you a clear, relevant picture of how you are positioned to meet your goals.

How Wealthcare's goals-based planning process starts

How Wealthcare's goals-based planning process starts

Wealthcare’s planning approach takes into account what wealth means to you.

Our “Goals Trade-off” matrix is a way to map your goal priorities:

Want to leave a larger estate? Retire earlier? Or take more vacations?

This approach to planning enables advisors to have a more meaningful conversation with you by understanding what we call your “Ideal” (what you really want) and “Acceptable” (what you can live with) lifestyles.

 

How are goals-based financial plans designed?

Goals-based plans are dynamic. We recognize that you, like most clients, think of goals in terms of ranges.

For example, you might say “I want to retire at 62, but I’d be OK with working until 66.”

Or you might think, “I’d really like to take two vacations per year, but I would be OK with only taking one vacation.”

We’ve also found that clients tend to consider the priorities of goals relative to their financial position. Comfort Zone monitoring provides a flexible planning process. Our process easily adapts as your life changes, and your needs and goals change over time.

Wealthcare recognizes that pursuing your life goals is about the journey not the destination

Wealthcare recognizes that pursuing your life goals is about the journey not the destination

Most financial plans are retirement-focused.

Wealthcare’s goals-based plans are life-focused, as we feel they should be.

Reaching your life goals is about the journey, not just the destination. It’s no secret then that our process helps advisors work with you to enjoy the journey.

We also focus on helping you plan for, and fund the milestones that matter most along the way.

 

What makes our plan monitoring and oversight different

What makes our plan monitoring and oversight different

Through our patented Comfort Zone approach, we create a “sweet spot” in the 75% to 90% confidence range.

It’s the range (Comfort Zone) that we believe shows that you’re on track toward your life goals. Outside the Comfort Zone, you may be sacrificing your current lifestyle, or you may be underfunded with respect to your goals.

And it’s about all of the goals that matter most to you, not just retirement goals.

Connect with an Advisor

Expect more from an advisor. Demand a personalized experience.

Our advisors put you and your goals first, and act in your best interests. We think that’s how it should be.

WealthcareGDX®. Be a part of the experience.

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