Services
The five-point
crown process
While O’Neil Wealth offers a variety of individual services, holistic planning is at the center of what we do. We serve clients with our Five-Point Crown Process, a unique planning methodology designed to uncover needs and help to ensure all areas of a client’s financial life are supported. Here’s what our Five-Point Crown Process covers:
Do the numerous elements of your retirement plan feel disorganized or disconnected? Are you unclear about your long- and short-term goals? Are you uncertain about how to achieve success? What is success to you? Our financial planning services can help to provide clarity around your goals and outline key next steps by:
✓ Reviewing your current situation and discussing aspirations and goals.
✓ Discussing risks, tax minimization, legacy, lifestyle and retirement to develop a plan.
✓ monitoring and adjusting your plan as life changes and evolves.
Financial Planning
Investment Strategies
Do you have investments but wonder if you are investing in the right accounts for your situation? Do you wonder if you’re investing enough? Are you unsure if you’re taking too much or too little risk? We can help. By analyzing your current situation and assessing your investments’ performance in conjunction with your unique goals, we can offer additional options tailored to you. Here’s how we do it:
✓ Aligning your investment with your goals.
✓ Proposing new strategies with an emphasis on market risks and tax minimization.
✓ monitoring and adjusting your plan as life changes and evolves.
Retirement Income Strategies
If you’ve saved your entire working life but question whether if you have enough to last throughout retirement, now is the time to take a closer look at your situation and put these concerns to rest by taking action to fill any potential income gaps. Retirement income strategies include:
✓ Reviewing all income streams: defined benefit pensions, investments, Social Security, etc.
✓ Discussing potential risks with each income stream and optimal distribution.
✓ Setting up new accounts, rebalancing and monitoring progress.
Tax-Minimization Strategies
Does the prospect of paying taxes each year cause anxiety? Do you question whether you are under- or overpaying? Do you wonder what the wealthy do to help reduce their tax burden? We can look at your situation and see if tax minimization strategies could help your bottom line. The result is often more money in your pocket. This service includes:
✓ Working with your accountant or tax professional to align services when necessary.
✓ Reviewing your risks and concerns about under- or overpaying.
✓ Discussing investment strategies that can potentially reduce taxes.
Legacy Planning
Do you have a plan in place to leave loved ones or cherished causes a legacy after you pass? Leaving a legacy can include financial resources as well as material items. These legacy gifts can help support a spouse, children, grandchildren or organization with helpful resources. Legacy planning includes:
✓ Reviewing beneficiaries on all existing financial and insurance accounts.
✓ Reviewing life insurance coverage and sourcing additional policies if needed.
✓ Working with attorneys to help create wills, trusts and other documents.
Long-Term Care Insurance
As you age, it’s common to become concerned with health issues. While you have health insurance or Medicare, you may still worry that care might not be covered or affordable in the future. Having long-term care insurance can help when managing a condition or when assistance is needed with daily activities at home or in a facility. This service includes:
✓ Discussing potential health care assistance needs.
✓ Sourcing policies based on needs and budget.
✓ Setting up policies and servicing the policyholder.
