Exclusive
Financial Services

ZWM offers customized solutions for your investment needs.  All advice is tailored to your needs meaning we can work with existing positions or investments you already own while building a diversified portfolio around those holdings.  ZWM operates under the belief that global diversification, risk management, regular rebalancing, and cash flow planning are the keys to long term success.  Investment management is done in house, mainly with exchange traded funds to keep underlying expenses low.  

Financial Planning starts with gathering your information: how much you spend, how much you earn, what you have, and what are your goals.  From there we map out what various scenarios look like by using a Monte Carlo simulator.  The results give us a probability of success to achieve your goals.  From there we can figure out how to increase the probability of success or how to maximize things such as net worth and wealth transfer, or minimize things like taxes.  In addition we can look at the impact of an early death of a spouse, the impact of Long Term Care on your finances, or how much insurance is necessary.

Insurance is important, but the way insurance is typically sold is infuriating.  Many agents use scare tactics to sell high cost insurance and annuities when there are other options available.  At the core I believe insurance should be used to the extent necessary with the goal of getting people self-insured later in life.  Insurance should be used to protect against the unexpected or to aid in wealth transfer and estate tax mitigation.  I do not believe that insurance should be used in the "wealth accumulation" stage.  This means using policies that are fixed and do not involve cash value.

Often times financial planners refer you to an attorney to generate estate planning documents.  This is an added cost to you, but even more, added time.  ZWM has partnered with Trustandwill.com to give clients a cost-effective tool to create basic estate planning documents like a Will, Power of Attorney, and Advanced Medical Directive.  We receive no compensation from Trustandwill.com and do not create the documents for you.  It is simply a service clients can use at a discounted price that can easily be incorporated to our planning work.