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What does Holistic Planning mean? Why our proprietary approach makes a difference.


InsuranceAccording to Merriam-Webster, Holistic is ‘relating to or concerned with wholes or with complete systems.’

Why is this important?  Because when it comes to wealth management, one shouldn’t focus on a single aspect of you, usually your assets.  A holistic adviser is concerned with the whole picture of you. They are going to ask questions and listen carefully to your answers on how you feel about your family, the things that motivate and give you pleasure as well as things that give you concern. A holistic analysis will take many non-financial elements into consideration and look at your whole picture, not just your investments.  A true holistic planner will examine your insurance, tax and estate planning situation, as well.

A holistic planner is likely held to a higher, fiduciary standard rather than the average broker suitability standard. This is absolutely critical to understand as an individual investor. In a fiduciary relationship, you are assumed to be in a position of vulnerability and justifiably vests confidence, good faith, reliance and trust in another whose aid, advice or protection is sought in some matter. In such a relationship, good conscience requires the fiduciary to act at all times for the sole benefit and interest of the one who trusts.

Think of it as a mix of life coaching and financial planning.  We all want to be and do the best we can, whether that’s your finances or your relationships.  A holistic planner takes all that into account to help you find your ‘True Wealth’ which we will discuss a little later.

Your holistic planning fiduciary should have a comprehensive background in taxes, investments, insurance and estate laws to help you make sure decisions and products do not negatively impact another part of your plan.  Wouldn’t you want your physician to ask you about drug allergies and other conditions before prescribing medication?  When considering your financial health, the same thought process should be followed since the consequences can be harmful to your financial well-being.