HOW WE HELP
Your financial journey consists of two critical phases, accumulation, and distribution. Our process can help you at whatever point you find yourself in this journey. We begin by taking a 360-degree look at your current cash flow and savings and discuss the pros and cons of each. Our goal is to help you maintain your lifestyle now and in the future by helping you to reduce or eliminate wealth transfers. We do this by taking a look at how you buy, how you save, and what you can expect in return and help you bring dollars you were giving away back to the table to reuse in the future.
We can help:
Maximize cash flow
Mitigate tax liability
Decide the best way to pay for capital purchases such as cars, college, homes, etc.
Protect your income now and in the future, your “human life value”
We can help:
Maximize tax-free retirement income
Create more retirement income that you cannot outlive
Plan for unexpected events
Maximize Social Security income
Reduce required minimum distributions
Create a legacy for your family
Our approach to financial planning is unique. We take a 360-degree look at your finances and help identify areas you may be unnecessarily, even unknowingly, transferring money away. By identifying risks associated with taxes, inflation, expected market returns, and access/exit costs of the current financial accounts you own, we help you uncover opportunities to build greater wealth and stability without taking on additional risk or expense.
We believe there are greater opportunities helping our clients avoid losses than by chasing rates of return.
/də ' zīn/
1 : to create, fashion, execute, or construct according to plan
2 a: to conceive and plan out in the mind
b: to have as a purpose
c: to devise for a specific function
Our goal is to design a strategy that is specific to you and your needs. The DESIGN Process is unique to Gina Wells + Cat Toone of Financial Design Strategies. Each step is designed to help our clients build upon what they already have as we lay a foundation of knowledge and trust.