Our Approach
We utilize our proprietary MAS Proprietary Process to strategically diversify portfolios, helping create a well-balanced approach to financial growth and risk management.
Managed
- Values Go Up & Down
- Long Term Can Be Good
- Liquid Can Be Volatile
Alternative
Investments
- Real Estate/Private Placements/Precious Metals
- Do Not Go Up & Down With the Markets
- Often Create Income and Growth
- Not Traded- Illiquid, which is good
- Generally 4-7 years
Safe
Investments
- Issued by Issuing Insurance Company
- Won’t Lose Money Can Create Growth and Income (For Life)
- Withdraw 10% free yearly
- Legacy Passing Tool
Wealth Onboarding Process
The CWA Private Client Process
The PRIVATE CLIENT PROCESS will focus on your Financial House and deliver on the increased demand for diverse planning needs. We prioritize and focus on the 4 Pillars of Financial Wealth:
Getting you to the next chapter.
Investments
- Lifestyle Driven Investments (Safe, Predictable or Guaranteed Income)
- Hybrid Investments
- Non-Lifestyle Investments
- Variable Annuities
- Fixed Indexed Annuities
- Mutual Funds
- Managed Option Analysis
- Current Allocation Analysis
- Real Estate Investment Trusts (REITs)
- Business Development Companies (BDCs)
- Master Limited Partnerships (MLPs)
- Structured Notes/ CDs
- Municipal Bonds
- Corporate Bonds
- 529 Plans, UTMA’s
- 401(k) Allocation Reviews
Risk Management
- Visions and values conversation to identify and quantify personal risks
- Life insurance needs analysis including in-house design and implementation
- The Social Security risk score to quantify your danger of receiving less Social Security
- Long-term care insurance needs analysis including in-house design and implementation
- Property and casualty insurance review and analysis
- Asset titling review and analysis
- Asset protection planning and design
- Disability insurance needs analysis including in-house design and implementation
- Complimentary review and recommendations for: homeowner insurance, property insurance, umbrella insurance, auto insurance, business owner insurance, health insurance, and flood, wind, fire, earthquake insurance
Estate Planning
- Extended Life Insurance Health Check Up
- Estate Tax Reduction Strategy
- Comprehensive Review of Current Estate Plan
- Estate Design Meeting
- Wills
- Revocable Trusts
- Irrevocable Life Insurance Trusts
- Family Limited Partnership
- Grantor Retained Annuity Trusts
- Grantor Retained Unitrusts
- Charitable Remainder Trusts
- Entity Design
- LLCs
- C Corporations
- S Corporations
- Partnerships
- Limited Partnerships
- Limited Liability Partnerships
- Business Succession Planning
- Buy-Sell Agreements
- Liaison Between Attorney and Client
- Review of New Estate Plan Drafts
- Titling and Beneficiary Review
Family Office Vault
- Consistent Coordination and Collaboration with Clients’:
- Tax Professionals
- Real Estate Agents/ Mortgage Lenders
- Personal Bankers
- Risk Management Specialists
- Attorneys
- Trust Officers
- Travel Professionals
- Access to the California Wealth Advisors private client vault which offers account/data aggregation, customized reporting, storage capabilities for important documents (i.e., deeds, passports, insurance policies, tax returns, estate planning documents, birth certificates, etc.), access to complex financial calculators and projections in addition to many other specialized features.
- Ongoing financial education is provided not only to clients but also to their children and grandchildren. Clients’ children and grandchildren also have access to California Wealth Advisors team resources as necessary.
- Facilitation of family meetings.
- Ongoing/periodic review of estate plans and coordination with attorneys when amendments/enhancements are necessary.
- Assistance with business/succession planning.
- Assistance with the implementation of charitable and/or philanthropic endeavors and coordination with attorneys, tax advisors, and charities as needed. Timely educational events or opportunities for enhancing one’s overall financial aptitude, i.e., seminars, events, Zooms, etc.
- Education and assistance about navigating Social Security and Medicare
Budget Sheet
You can also click here to download the PDF and enter your information manually. Then, send your filled PDF over to: kelley@californiawealthadvisors.com.
This four-step process helps you figure out where all of your income comes from and where it’s going! Fill out this form to give us, and yourself, a better understanding of how you use your money to fund your lifestyle!
Step 1: Personal Information
This is where you’ll let us know who we’re working with! We pride ourselves in our ability to provide custom service tailored to you and your needs, so we’d love to get as much information about you as we can. Please share your name, phone number and email address so that we can stay in touch with you.
Step 2: Income
This is where you’ll enter the total amount of money you receive from each of your income streams! From your salary to your bonuses to your investments, this will be the amount you’ll use to fuel your dreams and construct your future!
Step 3. Expenses
This is where you’ll enter the total amount of money you spend on your different lifestyle expenses. From your mortgage or rent to your food to your hobbies and entertainment, this will give us a better idea of how you allocate your current funds.
Step 4: Results
Your final income and expense report has been generated! Please click “Submit” to send your results to California Wealth Advisors and help us better understand your priorities and circumstances as we construct your holistic financial plan.
