Financial Planning

Integrated Wealth Management

At Insight Financial Group, we unify the five core areas of wealth management: Estate, Tax, Risk, Income, and Investment Planning. Our integrated approach ensures that each decision considers its impact across all areas of your financial life, giving you a cohesive strategy. We also work seamlessly with your trusted attorneys and CPAs—or connect you with our recommended partners—to deliver advice that supports every part of your financial journey.

Why Siloed Financial Advice Falls Short

In the financial services industry, we see advisors usually fitting into one of two groups: those who handle investments and those who sell insurance. While each is licensed in their own field, they often focus solely on their own products and strategies. This lack of coordination can lead to missed details and conflicting advice in your financial plan. We believe this fragmented approach creates disjointed outcomes that negatively impact the goals families, business owners, and retirees of all shapes and sizes set forth for themselves.

Our Approach

We take a goals-based approach to financial planning. Instead of starting with products or portfolios, we begin with the structure of your plan—then align each area so they work together. We focus on five key areas: Estate Planning, Tax Planning, Risk Management, Income Planning, and Investment Planning. Each decision is made in order and in context, so no part of your plan works against another. The goal isn’t just to build wealth. It’s to make sure every piece of your financial life is working toward the same outcome.

What This Means for You

Before making recommendations, we take the time to understand what matters most to you, what you’re trying to accomplish, what risks could disrupt your plan. From there, we build a strategy designed around your life—not just your numbers.

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Estate Planning

We view estate planning as the first key aspect to your financial planning journey. So, we will inventory key documents, identify trusted individuals for assistance, consider ongoing support needs, review legacy goals, and assess potential tax exposure. We collaborate with a qualified attorney when necessary.

Test Your Estate Planning Knowledge

Tax Planning

Tax planning involves more than filing your taxes. While that is viewed as a reactive activity, we remain proactive in planning ahead for your taxable exposure. We will review your taxable, tax-deferred, and tax-free income to manage your financial opportunities in both accumulation and distribution phases. We consider income sources and deductions, working with a CPA, Enrolled Agent, or tax preparer to potentially reduce tax exposure.

Watch - Making Your Tax Bracket Work

Risk Management

Properly managing risk from your health, personal property, and liabilities, to name a few, can help avoid major pitfalls in your financial planning journey. We will review your current insurance plan for financial risks, including premature death, disability, long-term care, and legacy needs. We evaluate tax-free benefits and align them with your family's tax plan.

Here's an Insurance Needs Assessment

Income Planning

Income is critical to continue paying expenses, maintaining your lifestyle, and to achieve an effective retirement. We will evaluate income and expenses to identify surpluses and shortfalls, create a matrix for changes upon a spouse's death, and assess tax exposure of each income source. We also review insurance mortality information to identify longevity risk.

Tune Your Plan like a Piano

Investment Planning

Last but not least, once all of the other elements are considered, we then can build an effective investment plan. We will evaluate your family's savings and investment assets, assessing risk capacity and tolerance against your current portfolio. We consider tax implications, income attributes, and asset allocation to ensure alignment with your current and long-term goals.

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"Plans are nothing. Planning is everything."

-Dwight D. Eisenhower, 34th U.S. President

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*Insight Financial Group participates with the Advanced Planning Educational Group, Inc. (APEG) and as such is licensed to utilize their approach to comprehensive financial planning along with their educational concepts in advanced planning.