We believe that sound financial advice and long-term strategies will help you pursue your goals more quickly than short-term risky investments. We serve our clients best by providing “slow and steady” advice over the years.
- Diversifying your retirement income
- Help mitigate market volatility
- Help defend against rising health care and longevity costs
- Needs based planning for future financial goals
- Partnering with your other trusted professionals; attorney, CPA, and others.
- Education funding strategies
- College Pre-Approval™ know before you go
- Demystify Financial Aid, determine where you fit in the Merit/Need spectrum
- Cut the cost of College, learn a better way to shop for your child’s degree
Design, Build, Protect
While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life…not with the short-term ups and downs of markets.
You should have a financial blueprint to help you manage your opportunities, needs, concerns and goals. We call this approach Asset Class Investing and believe it makes good sense as you plan for both today and tomorrow.
There are three things to remember about how Asset Class Investing can work for you and your family:
1. It focuses your investment portfolio on meeting your life goals.
It is an approach designed to help you manage towards your most important goals rather than to short-term market trends.
2. It is based on science and academic research.
It combines the latest discoveries in economics and investing with close to 90 years of market data and insights as well as in-depth studies of investor psychology and behavior.
3. It is a disciplined and structured approach.
It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.
Find out how we help our clients Design, Build, and Protect their financial portfolios.
Wealth Advisory Process
One of the most important components of any successful advisory relationship is truly understanding who you are as a person. That is why we focus on what is most important to you, both financially and personally.
We look at all the major aspects of your financial life, including your specific values and goals as well as your time horizon, income and liquidity needs and ability and willingness to take risk. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals.
As the Wealth Solution Graphic shows below, we can help you address a wide variety of goals in a number of key areas.
Once we have discovered and understand what is most important to you, we work together to develop and implement a plan to help get you there.
Because life is never static, we closely monitor your plan and make sure that it always reflects your situation. In addition, as financial markets go up and down, we help manage the level of risk in your portfolio through periodic rebalancing.
Scroll over each step for details.
One of the most important components of any successful advisory relationships truly understands who you are as a person. With our discovery process, we focus on what is most important to you, both financially and personally. Together, we will define your definition of financial success and work with you to translate this into prioritized goals.
In order for us to thoroughly understand you situation, we will take a comprehensive inventory of your current financial position, including strengths as well as any gaps or improvements. We also analyze the effectiveness, composition and expenses of your existing profile. By analyzing specific items for action, we can make sure that your goals and financial situation are aligned.
Based on the analysis, we can develop a long-term wealth plan focused on getting you from where you are today and where you want to be in the future. Through this process, we will address any items that need clarification and make alterations based on any additional information.
The next step is the implementation of your plan. In addition to creating your investment portfolio, we also work with a team of financial professionals to address all the non-investment action items we’ve identified. You will receive an Investment Policy Statement, which documents what we have agreed to and assigns responsibly and accountability.
Your plan is never static. That is why we will make the discovery process part of our ongoing meetings so that your plan is always reflects your life. We will monitor your plan closely and provide you with clear and concise reporting. In addition, as financial markets rise and fall, your portfolio’s exposure to stocks, bonds, cash and other investments will tend to fluctuate as well. Through periodic rebalancing, we will make sure your portfolio maintains its target allocation which helps control the level of risk in your portfolio and minimizes emotional decision making.
Frequently Asked Questions
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We're always happy to answer
What are your fees?
Our initial consultation is always free. Should we chose to work together, all fees and charges are completely transparent and discussed up front. Fees are dictated by the investment vehicles we use to meet the goals of each individual client.
Why would I need to do financial planning?
Just as the roots of a great tree provide its solid foundation to grow strong and flourish, the same can be said for having a thorough financial plan. Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a financial plan, it's easier to make financial decisions and stay on track to meet your goals. Tutschulte Financial Planning works with each client to create and nourish their own solid financial foundation so that the scenery along life's path brings more joy than could ever be expected.
What is a CFP® and why is that designation so important?
Today more than ever, CERTIFIED FINANCIAL PLANNER® professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing your taxes and your insurance coverage, “finances” doesn’t mean just one thing for most Americans — and "financial planning" means much more than just investing. Bringing all the pieces of your financial life together is a challenging task.
Although many professionals may call themselves "financial planners," CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand all the complexities of the changing financial climate and will make recommendations in your best interest.
For more information on the importance of working with the right professionals feel free to check out, www.letsmakeaplan.org.
What's the best way to get started with your firm?
Give us a call at 636-728-9800 or email us and we'll set up a first meeting with you to discuss your needs.
Get a Second Opinion About Your Financial Plan
Our second opinion service is more than just a discussion about money and financial strategies. We want you to decide if we're a good fit for your needs, and we want to see if we can truly add value to your life.
Schedule a meeting with us for a second opinion and here's what you'll get:
- We'll spend most of the meeting discussing your needs and listening to your answers.
- We'll answer all your questions regarding our fees and the services we provide.
- We'll talk about your current investment strategy and make notes for our follow-up conversation.
Although we may discuss ideas during the meeting we want to spend most of the time listening, rather than immediately trying to provide solutions.
After the meeting we'll put together some information and ideas for strategies that best fit what you've told us about your goals and income. Next we'll schedule a follow-up conversation in which we'll present our second opinion about your current plan.
There's no obligation for our second opinion service and any information we provide during your meeting and afterwards is yours to keep. Neither Woodbury Financial Services, Inc. nor its Representatives provide tax or legal advice.
Call or email to schedule:
Our office hours are 9:00am - 5:00pm CST.
Feel free to leave us a message 24/7.