Broker Check

Wealth Management


Whether your wealth is valued at $10,000 or $10,000,000, it is important that you are taking steps to actively address the issues that managing wealth presents. We have found that there are 8 Wealth Management Issues that are most important to our clients and their families.  

Each of these issues is interrelated and, in fact, acts like a balancing scale. If you make an adjustment to one issue, it affects the others. That is why it is critical that you have someone who is knowledgeable about your complete financial picture, including your tax situation, so you can be given appropriate advice and recommendations. Without the knowledge of all the 8 Wealth Management Issues, you may find your finances out of balance. 

We will help you identify the issues you have already adequately covered and those issues that need more attention and are most important to you. We will also work with you to create an action plan that addresses these issues as you see fit. And, because life is always evolving, we will meet periodically to discuss your situation and monitor your position within each of the 8 Wealth Management Issues.

8 Wealth Management Issues

  1. Special Situations Planning
  2. Cash Flow and Debt Management 
  3. Retirement Planning 
  4. Investments*
  5. Business Planning
  6. Legacy Planning
  7. Education Planning
  8. Family Risk Management

Special Situations Planning

  • Helping you prepare for the unexpected
  • Planning for life events (wedding, vacation, etc)

Cash Flow & Debt Management

  • Strategic planning to reduce your debt
  • Maximizing cash-flow management

Retirement Planning

  • Identifying your retirement needs well in advance
  • Subsequent planning based on those needs

Investment Management*

  • Proper investment allocation
  • Periodic rebalancing of your portfolio
  • Safeguarding against investment overlap

Business Planning

  • Financial statements
  • Payroll
  • Cash flow management
  • Hiring compensations
  • Introductions to other local pros (bankers, attorneys, etc.)

Legacy Planning

  • Helping you ensure that all estate documents are current
  • Recommendation of an attorney if you need one
  • Active involvement in the entire process

Education Planning

  • Identifying & sharing various funding options

Family Risk Management

  • Efficiency study of your existing insurance policies
  • Review of disability policies to match current needs

*These services are offered by David O'Neill through his affiliation with HD Vest