Wealth Accumulation Planning

Life Happens. From purchasing or selling real estate, welcoming a baby, saying good bye to a loved one, starting or selling a business, leaving a job or evaluating a new professional opportunity, getting married, divorced, planning for aging parents, or moving across the country and so much more. Let HUB Wealth advise you through life’s key moments.

• Income Sources
• Assets
• Liabilities
• Protection
• Financial Modeling
• Real Time Aggregation

We all desire the same thing (financially) – Uninterrupted, Increasing, Accessible, Tax Efficient, Cash Flow Forever! HWS will work with you to build, monitor and calibrate an automated systematic approach to managing your inflows, and outflows to facilitate the enjoyment of your money both now and into your future.

• Expenses and Lifestyle
• Savings strategies
• Planning for the Expected and Unexpected
• One-Time Expenses
• Planned Large Expenses
• Automation

We believe an investment plan should be grounded in evidence, data, research, and historical context. We will work with you to build, and manage a portfolio customized to your timeline, investor DNA, risk tolerance and where growth potential is focused on what is most controllable and impactful – investor behavior.

• Portfolio Evaluation and Development
• Risk Tolerance Calibration
• Tax Managed and tax loss harvesting
• Coaching on what matters most: Investor Behavior [click to download PDF]
• Connection of Investments with the broader plan and goals.
• Stock Options and Concentration Diversification

Perhaps you consider the greatest asset you own to be your home, your retirement account, or your business. However, those assets are all secondary to your true greatest asset – YOU and YOUR INCOME. Understanding the present value of your future income stream is central to developing strategies for your financial well-being. The present value of your future income stream is where your financial future stems from and from which plans are developed, fostered, ultimately realized, and lived!

• Income Protection: Your income powers your spending, saving, and investing. Are you prepared if it stops due to job loss, illness, or retirement? We’ll review your income protection strategies, including benefits and insurance, to identify any gaps and secure your financial future.
• Asset Protection: Your income is your greatest asset. How well is it protected from liabilities? We’ll assess your home and auto policies to ensure adequate coverage and optimize your current protection.
• Estate/Legal Planning: Are key documents like your Will, Trust, and Powers of Attorney in place? For business owners, do you have a buy-sell agreement? We’ll review and set up your estate plan for full control over your future.
• Key Person Planning: If a crucial team member can’t work, what’s your plan? We’ll develop strategies to protect your business, focusing on tax-efficient solutions and talent retention.
• Debt Reduction Planning: Debt is a reality—mortgages, loans, etc. We’ll create a plan to manage and reduce debt, considering interest rates, taxes, and cash flow, while exploring refinancing as a potential wealth-building opportunity.