Healthy things grow and growing things change
Yes, we create your plan. But more importantly, we modify your plan over time to address new life circumstances, market movements, and your evolving desires and goals. As your life changes, so does your plan.
We’re with you every step of the way.
Nick Saban, one of the most recognized and decorated coaching names in college football history said “Success doesn’t come from pie-in-the-sky thinking. It’s the result of consciously doing something each day that will add to your overall excellence.”
Said differently, process matters…. and while of course, your financial goals matter, the process you follow to pursue them (or maintain them), matters more.
When you hire a financial advisor, we keep you accountable for the process of reaching your goals, and at Ibello Wealth Management, our lifeblood is our process. If we’re doing the process right, clients get and stay engaged.
Working with Ibello Wealth Management
The Process
OUR FIRST PHONE CALL
It starts with a ‘get to know each other’ conversation
A 20-min chat. No sales pitches. No pressure.
Tell us a little bit about yourself, ask us all of your questions, and we will provide some high-level observations about your situation.We only have one goal on this short call: to find out if we can help and if we’re a good fit.
Let’s dive deeper
An hour-long virtual (or in-person) meeting to learn more.
This first meeting is for you to learn exactly what it’s like to work with IWM: we discuss where you are now, sketch out your existing planning and investment work, provide insight into the areas we can help, review what our planning process and investment philosophy looks like, as well as provide an exact quote for what it would cost. Upon conclusion of this meeting, you will be armed to know if we are the right fit for your wealth management needs.
YOU’VE DECIDED TO WORK WITH US! WHAT COMES NEXT?
Time to agree on your plan’s modeling assumptions
A meeting to ensure mutual agreement on the priority planning items and assumptions to properly orient your plan.
We spend time getting to know you; To understand what’s really important in your world, your goals, your aspirations as well as any sources of anxiety. It’s a goals-based listening exercise focused on where you’d like to be and the problems you’d like to solve.
In preparation for this, we will have you securely upload some documents to ensure we thoroughly review every aspect of your financial life to be able to provide coordinated and synergistic counsel.
Putting it all together
A 2-hour meeting to review your Financial Plan.
After spending 4-6 weeks putting together your financial plan, then we’ll meet to walk through your plan together.
We will address every facet of your financial life linked to your life/retirement goals. We will have reviewed our notes from all past conversations to formulate your personalized recommendations, including the financial planning recommendations and investment strategies that we believe are most appropriate.
We then help you implement. We consolidate and manage your investments, we we keep track of tax complexities, compliance details, legislative changes, and changes in the market—allowing you to focus on what you love and not worry about all the intricacies of your financial planning.
YOUR PLAN IS IN PLACE. WHAT COMES NEXT?
Our job is never done
Going forward, we meet formally every six months.
We review your investment allocation and performance, discuss liquidity and/or cash flow needs, ensure your income is optimized, help you navigate Social Security and Medicare, address any life changes that may affect your tax/investment or estate planning, and update your retirement modeling to ensure you are still on track.
We help you make intentional decisions by optimizing everything we know at that time, knowing full well that a different set of things will be thrown our way six months later. Our process will stay the same but the output will be different because your life will be different.
And in between meetings? You have unlimited access to ask us questions and seek financial guidance for anything that comes up.
Final Note
Financial planning can be a truly exciting and revealing process. It’s about realizing the connection between tangible things like the money we make and the intangible things like how great it feels to be there when your daughter scores her first goal or you take your first trip to the beach with your grandson.
It’s about being really honest about where you want to go, getting really clear about where you are now, and then making your best guesses about how to narrow the gap between the two.
Who we work with
Those nearing (or in) retirement
We specialize in all things retirement related.
We’re here to cut through the noise and inspire and educate you to make informed, conscious, and intentional financial decisions specific to your unique situation and goals.
US Federal employees (Feds)
Many of our clients are current (or happily retired) federal employees.
We understand the unique financial challenges and opportunities federal employees face and have over a decade of experience helping them optimize their federal benefits and plan for their retirement.
Wondering about fees?
- What it costs
- What’s included