Investment management on its own is NOT financial planning but only a small part of the overall planning puzzle. And, it is important to understand that purchasing and owning investments is NOT a financial plan. We have found that many firms only want to provide investment sales and management. When you work with GNZ Financial, you benefit from a more comprehensive approach.
Interested in learning more about how GNZ Financial works? You can walk through our planning process by clicking on the links below:
Your first step in our planning process is to complete our on-line risk management questionnaire called “Riskalyze.” This patented technology objectively calculates an investor’s true risk tolerance utilizing a scientific framework that won the Nobel Prize for Economics.
Before the introductory meeting, we ask you to complete our confidential profile. We ask that you complete this profile so that we can better understand your current situation and your financial goals and objectives. We will then invite you to a complimentary introductory meeting to which you can bring the completed profile.
In this meeting we will:
Tax return for the past year
If you like what you hear during the introductory meeting, our next step is to create your personal financial plan. The financial plan provides detailed information on how you may be able to have the income you seek in retirement and future growth in your nest egg. It will effectively assign a “job description” to each investment asset you have so that you know exactly why you own each investment and how and when each will be utilized to provide you with a greater degree of confidence in your future income.
Minimizing taxes, both during your retirement as well as when transferring wealth to your children, will also be addressed. At the fore of the planning process is of course choosing the right social security strategy. We have the ability to analyze up to all 85 ways of claiming your social security to provide you with the most beneficial recommendation as part of your plan.
Choosing someone to help you manage your wealth is a big decision. Prior to implementation, we will review all our recommendations including:
At GNZ Financial, we don’t just invest, we PLAN first, INVEST second and continually MONITOR to make sure your plan stays on course.