Holistic Financial Planning

Holistic Financial Planning

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What Is a Holistic Financial Plan?

A holistic financial plan takes a 360-degree look at your client’s situation. By doing so, you better understand their short- and long-term goals for both their life and their money.

Whether planning for high-net-worth clients or the average local retiree, it’s about more than just bringing them the latest investment opportunity or finding the right portfolio.

This type of holistic wealth plan offers you as a financial advisor a solution for any person’s economic puzzle. A holistic advisor can develop a one-of-a-kind proposal to help maximize your client’s wealth, health and happiness. Meanwhile, you seek to minimize potential tax pitfalls and manage gaps in the market.

At C2P, we help you establish a holistic financial planning strategy that provides your clients with better service.

What Is the Difference Between Holistic Financial Planning and Wealth Management?

Wealth managers help clients reach their financial goals and increase wealth, but a good financial advisor does so much more. No two retirement plans should be the same. Advanced financial advisor strategies use a tailored approach to every situation

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CLOSE MORE BUSINESS & OPTIMIZE
YOUR ADVISOR PIPELINE!

The Bucket Plan® Best Interest Process helps financial advisors
grow their business by:

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2.

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Implementing a simplified holistic financial planning
process
Utilizing step-by-step tools that help educate your
clients
Increasing your closing ratio with consistent planning
procedures

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MAXIMIZE YOUR CLIENT'S FINANCIAL
PLAN WITH TAX PLANNING

Download our Advisor Guide to learn how to successfully
implement the right tax strategy for your financial practice.

Expand your offering with tax-forward holistic financial
plans
Build working relationships with tax planning
professionals in your market

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ARE YOU STRUGGLING TO GET MORE
LEADS INTO YOUR SALES FUNNEL?

No matter what barriers are in your way, we've created a
guide to help you adapt and overcome.

Introducing potential customers to your brand
Creating working relationships with centers of influence
in your market
Creating a prospecting strategy to optimize your
practice's potential revenue

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IS YOUR ADVISOR FIRM
STRUCTURED TO PROSPER?

Learn how to structure the right Advisor Career Path to
ensure your practice is able to:

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Operate at peak performance even while you are away
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Build up future Rainmakers in your advisor group
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retirement plans

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This free guide will help you:

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Ask the right questions
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What Topics Does a Holistic Financial Plan Cover?

A holistic financial plan educates clients on the many financial items that they’ll need to consider when preparing for different life phases and retirement.

Many advisors use a holistic financial plan just to help clients consider the best investment opportunities for their current goals. But a truly holistic financial plan reviews every instance of a client’s financial situation.

These financial factors include a breadth of avenues:

Retirement planning
Social Security and Medicare benefits planning
Education on low- and high-risk investment options
Long-term care planning
End-of-life planning
Tax preparation and planning
Bucketing income for short- and long-term financial goals
Insurance planning
Assets
Cash flow analysis
College planning
Debt evaluation
Family estate organization
Risk assessment
Tax management
Life insurance
Health Savings Accounts
Bonds
Fixed indexed annuities
Mutual funds
Real estate
Stocks

holistic financial planning overview

A holistic financial plan differs from any other investment strategy. Why? It’s based on both internal and external factors.

These factors include market changes, job loss, birth of a child, death of a spouse or marital status changes. It considers how a client’s investment goals continue to change and works to ensure the best outcome at each phase.

What Makes a Holistic Financial Planner?

We can summarize the key to being a great holistic financial planner in one word — adaptability.

Whether working with a high-net-worth person or a couple looking into their retirement plan’s longevity, holistic financial planners care more about educating them on what their current financial situation means for their future. And as a result, you can work to find a solution together.

Wealth managers who implement a holistic approach work at nurturing relationships rather than selling high-commission products. This ensures you comply with the best-interest compliance standards that the financial planning industry requires.

Are You Ready To Grow As a Financial Advisor?

Schedule a Call!

The Holistic Planning Process for Solving Financial Problems

You can approach the creation of a holistic financial plan by employing The Bucket Plan® process’s four steps. With this process, you can avoid critical oversights when creating and maintaining a best-interest wealth management strategy that’s easy for clients to understand and use.

What Is the Difference Between Holistic Financial Planning and Investment Management?

Managing investments involves creating and making trading decisions on a portfolio of assets. Its goals are to invest your client’s current capital and grow their overall wealth now.

Investment managers are focused more on short-term gains than long-term returns and guaranteed retirement income.

But a holistic financial planner recommends products that’ll satisfy an investor’s comprehensive goals. You do so based on a client’s overall lifestyle and future wishes, often emphasizing life after retirement.

Holistic financial planning deeply analyzes the client’s current financial position. Then, you develop a strategy that allows the client to live the life they want. You plan for and accommodate events that occur in your client’s life.

Step 1: Discovery

In this step of the Bucket Plan, you review your client’s current financial situation and compare it with their economic goals and objectives. When reviewing these steps, you must consider which services your practice offers for your prospective client’s short- and long-term financial goals. With this in mind, you can successfully move to the next step, where you design the financial plan.

Step 2: Design

Once you can prioritize your client’s goals and objectives compared to their current financial life and estate, it’s time to design the initial plan. The key for you to succeed with the design phase is to provide multiple product options. This ensures you can pivot if new information comes to light during Step 3.

Step 3: Delivery

It’s the moment of truth! When you’re in the delivery stage, you must effectively communicate any points of confusion or contention that a client might have with their custom financial plan. As your client works with you to implement their custom holistic plan, it’s critical that you regularly review the progress. At this time, you can work to realign the plan to the client’s changing tolerance toward market volatility.

Step 4: Dedication

As a holistic advisor, you’re dedicated to proactively communicating with and educating your clients on the impact of different market shifts. As these changes happen, you can work on updating your client’s now, soon and later buckets to ensure they meet the client’s needs.

Implement a Holistic Financial Plan

Implementing a holistic financial plan helps you build a better client experience. How? You simplify complex financial concepts into common language that anyone can understand. Your clients feel a sense of ownership over their retirement and economic future as a result. This creates a better relationship between both parties.

You must take two actions to properly implement a holistic wealth strategy with your clients:

Look at every step of the client journey.
Review how you introduce new information, whether digitally or in person.

To get the most out of advanced financial advisor strategies, you should meet with your client and revisit the plan regularly for adjustments. This allows you to update information as it becomes available and manage market gaps.

Nearly any event in a client’s life can influence them financially. Host annual one-on-one sessions with clients to allow them to take ownership of their financial future. These sessions also ensure you’re aware of any changes and can modify the plan accordingly.

How Does C2P Help Advisors Implement a Holistic Financial Planning Strategy?

At C2P, we provide a service portfolio that has helped define what makes a successful holistic wealth management strategy.

Through our training and coaching programs, we offer resources that help our clients, from single financial advisors to large firms. We help you implement a holistic planning strategy that ensures growth for both you and your clients.

The Bucket Plan

The Bucket Plan® process is the asset allocation system that we built our company around. You use this system to develop holistic financial plans that your clients can understand.

Our model offices have defined, refined and tested The Bucket Plan process. It includes a set of proven processes that are easy to replicate for your business — no matter its size or scale.

After completing The Bucket Plan live training, you’ll transform your business with simplified financial planning and an increased closing ratio.

You know how important it is to diversify your client portfolios across equities, bonds, annuities, alternative investments and more. So, why aren’t you differentiating your tax plans to mitigate future IRS pitfalls?

The Tax Management Journey

The Tax Management Journey® is a comprehensive tax planning training course. It gives you the marketing tools and planning strategies to attract and convert more clients in the $1 million to $5 million demographic.

We designed The Tax Management Journey to provide you with the competency and confidence to grow:

Expand your business
Set yourself apart from the competition
Deliver powerful tax planning strategies to your clients and prospects

Start Planning Holistically

Schedule a call with us when you’re ready to learn holistic financial planning strategies that get results!

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