Portfolio Planning for Your Future

In order to develop a personalized process for each client, Debczak Wealth Management takes the necessary time to learn about the client’s resources and the goals they have for themselves, their businesses, and their families. After all, many successful relationships – including client relationships – begin with listening and communicating.

Our team understands that life transitions and key events ─ retiring, buying a new home, or welcoming a new child or grandchild ─ often come with distinct hopes or concerns about the changes you may encounter in the future. By helping you recognize and anticipate these challenges, we can help prepare you for what’s ahead and provide you with the financial guidance and discipline you’ve been seeking.

As your trusted advisors, we have designed our team so that we are able to work not only with you, but future generations as well. With our team on your side, we will help you build the foundation of your legacy and work with your family through all stages of your life, including wealth accumulation during your working years, wealth preservation leading to retirement, and wealth distribution once you’re enjoying the fruits of your labor.

Let’s Focus on Your Financial Future Together

Our planning process offers you an effective way to identify what you look forward to achieving most and design an investment plan with the purpose of providing you with the wealth needed to live the life you want. Rather than track your portfolio’s performance against a standardized index, we meet to review your progress toward achieving your life goals on a personalized index. It includes:

Identifying what’s most important to you and prioritizing your financial goals
Coordinating and integrating cohesive solutions for all your financial affairs
Creating a well-balanced, diversified portfolio based on your objectives, risk tolerance, and investment time horizon
Measuring results, reviewing changes in your circumstances, and adjusting your investment strategy as necessary

We understand that your life goals may change, and market fluctuation is practically an inevitability, so our process offers the flexibility to make adjustments as necessary.

Our Process

Simply put, this is just a conversation to get to know one another. We talk about our process, how we work with our clients and discuss your preferences and expectations to see if we are a good fit for each other.

If we both decide to take the next step, we then look “beyond the numbers” and explore your goals, dreams, and specific financial priorities so that we start the planning process with your unique goals in mind. After we have established your goals, we gather the necessary details of your current financial situation, determine your risk tolerance, time horizon, etc. We then use all of this information to create your personalized plan using our Envision^® planning software.

After we have completed your personalized Envision plan and specific planning recommendations we will meet to review the plan together. Here we will take the time to clearly explain what the Envision plan tells us about your progress toward meeting your goals and what further steps should be taken to help you meet your goals. If the plan makes sense to you and our philosophy and strategies are what you are looking for, we would then begin our formal working relationship.

Once your new accounts are established, we will begin to implement the plan we agreed upon. We will review your Envision plan and strategies via phone, video conference or in person. Here we will discuss the progress towards meeting your goals, update any changes in your personal circumstances, market conditions, etc. and recommend changes to your strategy as necessary.