ESTABLISHED METHODS

Life is dynamic. A well constructed financial plan accounts for life’s changing dynamics by integrating the following four areas of wealth management over a twelve month cycle:

• Wealth Accumulation
• Wealth Retention
• Wealth Protection
• Wealth Transfer

Collaboration with you is essential. As a new client you will receive a planning relationship outline of what can be expected from Perennial Wealth Group and what is expected from you.

Perennial Wealth Group, Inc. is a Fee-Only Wealth Management Firm.

Contact us for information regarding our fee structure.

PERENNIAL WEALTH GROUP SERVICES

WEALTH ACCUMULATION

Growth of assets is essential to accumulating wealth. We assist clients in developing a policy to invest and grow assets through diversification and prudent selection of asset classes based on the client’s tolerance and capacity for risk.

• Asset allocation and investment policy statement
• Investment selection and ongoing monitoring
• Financial independence modeling
• Retirement plan selection
• Retirement plan contribution maximization

WEALTH RETENTION

There are many ways wealth can be diminished. Ineffective tax planning, excessive consumption and long-term inflationary pressure are just a few areas that require attention to retain wealth.

• Income tax planning
• Stock options
• Debt
• Cash flow
• Concentrated stock positions

WEALTH PROTECTION

We will guide clients how to determine risk management strategies to mitigate the impact of potential catastrophe. Risk management includes identification of as well as strategies to avoid, reduce, retain, or transfer risk.

• Life insurance
• Property & casualty insurance
• Health insurance
• Disability insurance
• Long-term care insurance
• Business form

WEALTH TRANSFER

We will guide clients in how to implement a combination of planning strategies designed to preserve family wealth for future generations and/or promote charitable aspirations in order to leave a legacy.

• Illustrate the current estate plan
• Identification of transfer efficiency opportunities
• Beneficiary designations
• Business succession
• Family and charitable giving strategies