SERVICES & FEES

A financial plan is an on-going process that acts as a roadway to achieve your financial goals.

THE FINANCIAL PLANNING SERVICES WE PROVIDE AT PANORAMA WEALTH MANAGEMENT INCLUDE…

Investment Planning

  • Personalized Investment Plan based on your risk tolerance
  • Time horizons & risk profile based on capacity and tolerance
  • Strategic & Tactical Asset Allocation

Retirement Planning

  • Wealth projection in the accumulation stage to retirement
  • Income projection & strategy in decumulation stage

Estate Planning

  • Review your WILL & POA
  • Reduce taxes & Probate fees
  • Legacy Planning & Charitable giving

Tax Planning

  • Tax Preparation
  • Strategies to reduce future taxes

Insurance Planning

  • Needs analysis based on your financial plan to
    determine personalized insurance solutions

Our 6-Step Financial Planning Process

Step 1: Initial meet to gather & understand your current situation and goals.

Step 2: Gather client data & information.

Step 3: Analyze client financial information.

Step 4: Develop & Present financial plan.

Step 5: Implement the financial plan.

Step 6: Monitor & Review progress.

Fees

Your initial consultation is always free. Generally, we do not charge our clients for the services and advice that we offer. When our clients purchase investments or insurance through us, we are compensated by the financial institutions with which we place the business.

This is usually in the form of commission and/or servicing commissions paid by the financial institution. We will explain the fees and other options available to our clients to ensure they are understood before any transactions are completed.

Our clients get great advice and service at (usually) no cost to them, and we get paid a reasonable amount for our time. Also, as most financial institutions pay approximately the same amount in commissions, we are not biased in the recommendations that we make. We offer our clients the best investment and insurance products on the market.

One exception is tax returns as a bonus to our investment and insurance clients, we give a discount on this service.

Note 1: Accounting and income tax preparation is done by our Tax Specialist and/or your financial advisor. Investia does not offer or supervise these services.

Note 2: Clients with larger accounts may benefit from a different fee structure. We will gladly discuss this with you to ensure you get the best value for your money.