Wc360™ – FOUNDATIONS
platform designed For purpose-driven individuals, young families and professionals who are seeking a strong foundation.
WE DEFINE A personal strategy for pursuing their most important goals– from the purchase of a first home all the way to retirement.
Foundations experience is a goals-oriented planning process that begins with pre-meeting exercises to help you articulate your direction and goals. From there, The Johnston Group advisors work with you to create a detailed financial plan for achieving your vision according to your timeline.
This service offers clients the resources, organizational structure, and specific savings and investment strategies necessary for articulating and fulfilling their unique life vision.
PREPARATION AND FACT FINDER
In order to provide useful guidance, we must first understand you and your unique personal and financial landscape. You are the only one who can provide leadership in what it is that you want. For this reason, the pre-meeting work encourages you to spell out your vision for yourself and your loved ones, as well as your specific goals – whether those goals include saving for your kids’ education, paying off your own educational loans, purchasing a home, saving for retirement, and anything and everything else on your horizon. At the same time, we will collect and analyze all of your financial data, including income and spending patterns, bank accounts, employer benefits, tax returns, as well as other assets and liabilities, to give us a complete picture of where you stand.
VIRTUAL MEETING WITH ADVISOR
After reviewing your pre-meeting materials, The Johnston Group advisors provide you with detailed summaries of your current financial position and then facilitate an in-depth interactive meeting. We will offer information and perspective in key areas of your financial life, and discuss any pressing concerns you may have. At this stage we also begin to organize your personal balance sheet and cash flow to align with your short-term and long-term vision. We will discuss specific savings and investment strategies – with the purpose of developing a sound financial plan to support your overall vision, goals, and timeline.
FOCUSED ADVISE & ACTION STEPS
Following the meeting, The Johnston Group advisors will finalize projections and analysis and then provide you with specific savings and investment recommendations. Additionally, we offer action steps in the areas of tax planning, estate planning, and insurance needs. Upon completing this step of the process, you will have a clear vision and direction for the future – and a sense of confidence, because you are now on the path toward achieving your most important goals
ONGOING WEALTHCARE360 - FOUNDATIONS CLIENT RELATIONSHIP.
Following the initial planning exercise, Wealthcare360™ – Foundations clients primarily work with The Johnston Group through the firm’s customized Charles Schwab Intelligent Portfolio investing platform. Together we focus on building and growing your assets to support short-term and long-term goals. In addition, Wealthcare360™ – Foundations clients maintain access to The Johnston Group advisors as other financial planning needs arise, including for annual check-in meetings to ensure that your personal financial strategy continues to supports your vision for the future.
SCHWAB INTELLIGENT PORTFOLIO BY THE JOHNSTON GROUP
The Johnston Group’s Charles Schwab Intelligent Portfolio provides Wealthcare360™ – Foundations clients a low-cost, tax-efficient investing vehicle to execute their personalized savings and investing strategy. This fully automated investment advisory platform allows clients to invest in The Johnston Group’s customized portfolio allocations with the oversight of the firm’s investment advisors. In a few simple steps, clients can open accounts, select investment allocations based on time-horizon and risk tolerance, link their personal bank accounts, and begin funding their savings and investment plan. Accounts can be viewed and monitored from any device with full support from The Johnston Group.
WEALTHCARE360TM - FOUNDATIONS ADVISOR ACCESS
Wealthcare360™ – Foundations clients maintain an ongoing relationship with The Johnston Group advisors to support other planning needs as their lives evolve. The Johnston Group advisors provide leadership and direction across a broad spectrum of topics, including:
+ Insurance (Life, Disability, Property, and Casualty)
+ Estate Documents (Wills, Health Care Directives, and Power of Attorney)
+ 529 College Savings Accounts
+ Consultation of Employer Retirement and Benefit Programs
+ Tax Strategy and CPA Referral
CONNECT WITH OUR ADVISORS
Each portfolio is constructed and managed with the full perspective of each client’s personal strategy, risk tolerance and time horizon. We utilize low-cost, tax-efficient portfolios designed to deliver the investment returns necessary to support each client’s goals without assuming unnecessary risk.
Our evidence-based investing approach supported by facts, research and historical data combines with an implementation strategy designed to balance and manage between performance, diversification and costs while achieving the most important outcomes for our clients.