PLAN.  PROTECT. ​ GROW.

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Financial Planning

​Why do few people spend more time planning their 30 year retirement than a two week vacation?  The complexities of building a robust financial plan are often overwhelming, not to mention the stress of addressing the biggest elephant in the room-  Will I have enough money?

David Wilhite has been creating comprehensive financial plans since 1993. We understand the various elements that contribute to a secure financial future, including tax strategies, non-cash asset planning/management, insurance strategies, stock market equity management and much more. We work with a trusted network of sub-advisors across multiple disciplines to provide the most robust financial plans possible for our clients.

In accordance with the personal goals of our clients, our financial plans focus on three areas:

1. Maximization of retirement income.
2. Minimization of tax throughout the life and legacy of the client.
3. Maximization of net worth.

Many people assume that they don’t have enough net worth to warrant a plan of this nature, when the reality is that most people actually do. It is much better to design your plan earlier, rather than later. Make your appointment today and find out how we can help guide you towards a better financial future than you thought possible.

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Asset Protection

There are numerous risks facing you and your family’s financial well-being. Many of them can be mitigated or eliminated through thoughtful, strategic planning.

Protecting your assets starts with understanding the two greatest threats to building long-term wealth:
1.   Taxes.

• Planning how your retirement income will be structured with an eye towards taxation can make an enormous difference.
• Understanding how to add non-taxable income streams into your retirement mix is critical.

2.   Volatile Financial Markets.

• Understanding when to be in the market and when to exit the market can prevent the erosion of decades of diligent savings.
• We believe that having a robust strategy for addressing these threats will impact your retirement in a substantial way. In addition, a comprehensive financial plan will also include contingencies for accidents and illness that can dramatically change your financial picture.

Diligent saving is not the only component of a robust financial plan. Careful consideration and planning must be given to the protection of all that you’ve already accumulated and, more importantly, the protection of the financial security of your loved ones.
​ Contact us for a free assessment of your current protection plan.

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Growing Wealth

The cornerstone of our approach to asset growth is avoiding loss. We only invest our clients’ money in equities when we believe the odds are in their favor, which is most of the time. When our proprietary indicators reveal high risk environments, we re-allocate  money from equities to cash and other alternative investments that are trending upwards. 

In an effort to provide our clients with the best long-term outcome and optimize their risk/reward ratio, we use mathematically engineered algorithms to provided predictive insight. We have used this insight to serve our client’s best interests since 1999.
Our approach is different than the traditional “buy and hold” approach of the industry- which, in our opinion, is based on the following flawed assumptions:

1. "Time is on your side. You can ride out the downturns and wait for the market to recover." Time is not on your side. It is a finite and critical component to growing wealth. Investors must proactively optimize it where ever possible.
2. "You can’t time the market, so don’t even try." While timing the market based on emotion is almost always a bad thing, there are several technical indicators that are known to be statistically predictive and effective for lowering risk.
3. "Constructing a portfolio with limited exposure to equities and heavy components of cash and bonds is the best way to mitigate downside risk." While this can effective strategy for mitigating risk, the bond crash of 2022 has punched a giant hole in this strategy. In addition, allocations of this nature will also sacrifice upside returns in bull markets.

In our opinion, the key to long-term growth is consistency, not tolerating increased risk and hoping to beat the odds. It’s about employing a disciplined strategy that moves your money away from risk and out of volatile markets. It’s impossible to leverage the principle of compounding interest if your gains are always going towards making up for past losses. 

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