A coordinated plan that connects your taxes, investments, retirement, and estate — all in one place.

Financial planning at Total Wealth Services isn't a one-time document. It's an ongoing process built around your actual life - your income, your business, your real estate, your goals.
We start with a full picture of where you stand: balance sheet, cash flow, account structure, tax situation, and upcoming decisions. From there, we build a roadmap that coordinates every piece of your financial life so your decisions aren't being made in a vacuum. We meet quarterly to review any changes and make necessary adjustments, as we believe in being proactive instead of reactive when it comes to financial planning.

What financial planning typically covers:

• Retirement projections and contribution strategy
• Tax-aware investment allocation and asset location
• Insurance coverage analysis
• Business owner cash flow and exit planning
• Real estate and equity compensation coordination
• Estate and beneficiary review

Because we work alongside our CPA team at Total Wealth Group, your investment
decisions and tax decisions are coordinated from the start — not reviewed
separately after the fact.