Our Process

Our Process

 “We help our clients understand what they want to accomplish from a business and personal perspective. And we get them to take action. Most people have done some good planning. They've have existing advisor relationships. They spent a lot of time talking about these things, but for some reason, the complete job did not get done. We get it done! Do it once, do it right!

 ~ Susan M. Waters, Founder


 “We help our clients understand what they want to accomplish from a business and personal perspective. And we get them to take action. Most people have done some good planning. They've have existing advisor relationships. They spent a lot of time talking about these things, but for some reason, the complete job did not get done. We get it done! Do it once, do it right!

 ~ Susan M. Waters, Founder


Our Process

Our proprietary PEARLFormula™ process takes all the pieces of the financial puzzle and 
puts them in place to create your vision for the future.

P

P

Plan

E

E

Empower

A

A

Anticipate

R

R

Retire

L

L

LiveWell

Plan

“If you don’t know where you want to go, any road will take you there."
~Alice in Wonderland

"It takes as much energy to wish as it does to plan.” ~Eleanor Roosevelt

Having access to our clients’ full financial picture is an essential part of creating their plan. During our first meeting, we will discuss where you are currently, where you would like to be, what’s working and what’s not. Subsequent meetings will focus around the design of a customized plan to get you where you want to go. 

We have found that doing a preliminary review of the items listed below leads to more meaningful discussion. If you are comfortable doing so, please bring along as many of these items as possible. Our goal is ensure that our time together is effective and proactive. 

  • Recent statement on each investment (ex. annuities, 401k, IRA, SEP, TSP, CDs, checking/savings)
  • Income statements (ex. pension, Social Security, 1099s, W-2, tax returns)
  • Life insurance statement 
  • Wills and/or trusts 
  • Monthly budget (i.e. what does it cost you to live your life each month?)
  • Mortgage statement

Need help organizing your information? Gather it, we will organize it. Sometimes that’s half the battle. 
 

Empower

“We educate, collaborate, design and implement the plan that gets you where you want to go.” – Susan Waters, Founder 

“An investment in knowledge pays the best interest.” ~Benjamin Franklin

At InvestWell, we dig deep and ask the important questions:

  • Do you have enough income to provide for your future? 
  • How do you feel about your finances now?
  • What does your future lifestyle look like? 
  • Does anything concern you about your current situation?

At InvestWell, we empower your decisions by:

  • Assessing each nuance of your investments.
  • Uncovering potential income gaps and planning for those uncertainties.
  • Evaluating tax efficient investment and income strategies.
  • Developing a collaborative financial blueprint.  
  • Selecting and managing optimal investment opportunities from a broad range of products.

Anticipate

“Unexpected events can set you back or set you up. It’s a matter of perspective.”  
~Mary Anne Radmacher

Life unfolds. Events happen. Needs change. These are the facts. Nothing stays the same. 

As we age, health issues can arise. Our family responsibilities to parents, children or grandchildren may become broader. Death, divorce or a business failure can create a loss of needed income. Any of these occurrences can substantially impact your financial future.  

Let’s discuss what’s matters in your world. What keeps you up at night? 

After identifying what is important, we anticipate the potential “What ifs”. We check each box and make sure your plan works today and tomorrow. That’s our job! 

Topics to discuss include:
  • Job changes and retirement
  • Where and how you want to live
  • What happens if you or a loved one becomes ill?
  • Do you still need to carry life insurance? 
  • Are your wills and trust documents up to date with beneficiaries in place?
We anticipate the future through building a viable plan today. 

Retire

“What do you call a person who is happy on Monday? Retired.” ~Unknown

You’ve spent your life working hard and are wondering what’s next. 
  • Want to retire and make Monday morning alarm clocks a sound from the past? We can help. 
  • Prefer a “work-optional” lifestyle? We can design it.  
  • Want to maximize cash flow and minimize tax burdens? We will strategize with you.
We quarterback the design and implementation of your plan. When appropriate, we work with your CPA and/or attorney to carry out your wishes when it comes to tax planning, risk and debt management and estate and legal concerns. 

Each of us has a different idea of what retirement looks like. It’s our job to help you visualize what you really want and bring it into focus. 

LiveWell

“Life is not measured by the number of breaths we take, but by the moments that take our breath away.” - Vicki Corona

A life well-lived is a common goal, but not one most people really know how to achieve. The key to living a good life is not to think about what you want your life to look like at the end, but rather about how you are living your days now. Let’s define and answer questions like: 
  • Do you want to globe-trot and see exotic places, or stay home and garden? 
  • Spend time with grandchildren or spend time on the golf course? 
  • Live in the family home or move to warmer weather?
  • Leave a legacy for future generations or give it all away?
  • Be involved in your investment strategies or be hands-off?  
InvestWell to LiveWell. 
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