What is overall wealth-management in CFP services?
Overall wealth-management is a single, concrete coordination for your money — covering what you earn, already own, owe and what you want to fund.
Who is this for?
This service is suitable for people who would like to check the “big picture,” particularly if you have:
- Multiple income sources/variable pay
- Retirement accounts plus taxable investing
- Upcoming moves or family responsibilities or a growing business interest
- A desire to build long-term security without guessing
What problems does overall wealth-management solve?
Such management puts scattered financial decisions into a single playbook — so clients stop reacting and start choosing with intent. It generally presents assistance for:
- Accounts spread across several institutions
- Savings happening — but without a defined target
- Competing priorities — retirement, college, home upgrade, aging parents
- Anxiety from headlines & market swings
- A tax bill that feels unpredictable from year to year
What does this approach generally cover?
It pulls the vital parts regarding holistic wealth management into one place — with priorities set around the timeline & comfort level. Based on your distinct situation, the plan might cover the below items:
- Cash flow design — spending, saving and emergency situations
- Debt strategy & payoff order
- Investment management aligned to targets & risk comfort
- Risk & protection gaps — high-level
- Beneficiary & account titling review
- Tax-efficient wealth planning linked with the filing picture
How does the process work with Maris & Associates?
- Discovery — gathering account statements and income details as well as current tax returns
- Clarity meeting — defining targets & deadlines and trade-offs
- Plan building — mapping actions into a simple, proper timeline with target amounts
- Implementation support — putting changes in motion, from contributions to account updates
- Ongoing review — revisiting progress & adjusting after significant life events
What questions will a CFP ask to build the right plan?
Expect several questions focusing on targets and lifestyle along with risk comfort, like:
- What outcomes matter most — retirement, education, legacy?
- How is your approach to market drops?
- What debts & insurance policies and estate documents exist today?
- What does monthly cash flow look like — in real numbers?
What should you bring to the first meeting?
- Latest tax return(s) & pay stubs
- A list of accounts — IRA, brokerage, 401(k), HSA, 529 — with current balances
- Loan details — rate, term and monthly payment
- Insurance declarations pages & beneficiary designations
- Any wills or trusts or powers of attorney you already have
What do you get at the end?
- A one-page summary of priorities & defined next actions
- A target-based funding roadmap — short-mid-long-term
- A coordinated view of accounts & beneficiaries and important dates
- Simple tracking checkpoints for the year
Ready to talk with Maris & Associates?
If you need an organized, realistic plan, Maris & Associates can walk you through the next best actions. Contact us to set up an initial CFP conversation.
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FAQs
How is overall wealth-management distinct from comprehensive financial planning?
Overall wealth-management focuses on ongoing coordination across the accounts & decisions. Comprehensive planning is generally a broader, one-time blueprint.
Do I need such a service if I already have an investment advisor?
Maybe — it can add value when you need tax-efficient wealth planning & cash-flow decisions aligned with the investment management.
Can holistic wealth management help if my finances feel “messy” across multiple accounts?
Yes — holistic wealth management presents support in organizing scattered accounts into one transparent system — so you are able to track progress and take actions faster.
How much does overall wealth-management cost at Maris & Associates?
Fees for overall wealth-management start at $480 per hour, and the final amount changes in line with the scope of your CFP services.