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    Our Modus Operandi

    Are you questioning if your retirement savings will suffice? Unsure about the best time to receive Social Security? Looking to maximize your retirement income potential?

    At Transcend Wealth, we realize that you only retire once. We also understand that you are inundated with information and flooded with decisions and choices that you need to make. These decisions can have a significant impact on your retirement.

    The Common Approach

    Common Approach 20240311

    Throughout our lives not only do we accumulate things, we accumulate financial products as well.

    We have retirement plans such as 401(k)s and 403(b)s that our employers offer. We buy life insurance to protect our family. We buy a few shares here and there of this years "hot stock." We contribute to Traditional IRAs, Roth IRAs, we save for our children's education by investing in 529 plans, and more recently just started to contribute to Health Savings Accounts.

    Over time the accumulation of these financial products – by default – form our investment portfolio. This results in a disjointed portfolio with little to no strategy on how to best utilize these products to help you reach your goals.

    The Professional Approach

    A better approach is to assess your goals and objectives, your hopes and your fears, your priorities and your resources to craft a personalized strategy tailored just for you.

    What we don't want to do is "throw the baby out with the bathwater." The investments you own may still be particularly useful in your plan. If there are gaps in your portfolio, we need to identify them and find the best options to fill them.

    The result. A solid strategy, with a carefully designed portfolio of investments to help you achieve your financial goals with the least amount of risk possible.

    Professional Approach 20240311
    Proven Process-1

    The pursuit of your goals begins with a framework for success, and we will be there every step of the way. Our Proven Process helps us get to know you - your passions, goals, needs and wants. From there, we develop a customized plan that adapts and changes as your life progresses.

    Introduction-1

    Introduction

    Let's get to know each other to see if we make a good fit without the pressure of having to make any commitments.

    Discovery-1

    Discovery

    We have a meaningful conversation to clarify what's important to you and your family. A conversation that centers around your goals, dreams, needs and concerns.

    Data Gathering-1

    Data Gathering

    Here we gather the data we need in order to develop the tactics and strategies to help you achieve what is most important to you.

    Proposal-1

    Proposal

    This is where we present you with your personalized wealth plan - a plan that serves as the roadmap  to drive you towards your goals.

    Introduction-1

    Implementation and Ongoing Care

    A plan only works if you execute it. Once the plan meets your approval, we can carry out our recommendations and coordinate the process with you and professional service providers.

    Additionally, we are not a "set it and forget it" firm.  Financial planning is a process. The strategies and tactics we deploy will need to be adjusted to cover your ever changing needs and goals.