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At Momentous Wealth Advisors, we start by discussing your ideal life, goals, and desires. We then build a financial plan and investment strategy centered around helping you achieve your most important financial goals. 

We follow a framework called The Momentous W.E.A.L.T.H Process™:

W -WHAT IS MOST IMPORTANT TO YOU?

What are your retirement needs, wants, and wishes? What are your expectations? What are your biggest concerns?

  • Do you want to leave a legacy when you are gone? 

  • Do you want to travel in retirement?  

  • Do you want to be debt-free?

  • Do you want to help your kids or grandkids with college?   

  • Do you want to move to a warmer climate? 

  • Are there certain charities you are passionate about? 

  • What do you want your money to accomplish?

E -EXPENSES AND INCOME SOURCES

  • What are your expenses now to live a comfortable life? 

  • What income sources will you have at retirement?

  • Should you take social security early or postpone it, to maximize your benefit for you and your spouse?

  • Will you work part-time during part of your retirement?

  • What major expenses do you anticipate in the short term? 

  • Do you want to have a vacation property in a warmer destination?

A- ASSETS AND LIABILITIES

-What is your complete financial situation? What do you have in savings or emergency accounts? What do you owe on your mortgage or second property? How much do you have saved in your work retirement plans? What do you have in credit card debt? Do you have a goal to pay off debts by retirement? 

We help analyze: 

  • Your current investment mix

  • Your Risk Tolerance and matching that with the right mix to reach your goals

  • Concentrated positions in stocks

  • Fees, expenses, and performance

L -LONGEVITY RISK

-Is there a history of longevity in your family? We don’t know our end date, but this can be factored into your financial plan to make sure your money lasts longer than you do.

We will assess: 

  • How soon you can retire?

  • What would happen if you lived longer than your life expectancy?

  • Is your estate plan in order?

T- TAXES

-Taxes play a major part in a client’s retirement. What types of accounts you have and where you take money from first will be discussed to optimize your after-tax income. Do you typically get a refund or pay in? We have partnered with a service called Holistiplan which allows us to analyze your tax return to find planning opportunities to reduce taxes now or in the future.

During our working years, most look for ways to reduce income. For clients retiring, we need to focus on how we can create a tax-efficient plan for income. 

We will look at: 

  • Your Federal and State income tax rates

  • Dividend, interest, and capital gains taxes

  • Are state or federal estate taxes going to impact your legacy?

  • Retirement distributions

  • Social Security taxation

Wealth Strategies: 

  • Asset types- IRA, Roth IRAs, and Taxable Accounts

  • Sequence of distribution

  • Roth conversions if beneficial 

  • Qualified dividend income in taxable accounts

  • Tax-loss harvesting strategies

H-HEALTHCARE AND INSURANCE

-Will your company healthcare cover insurance if you retire early? If not, we factor health insurance costs into your financial plan on top of your needs, wants, and wishes. We also look at protecting your plan against unexpected medical expenses like Long-Term Care. Long-term care costs can be a significant risk to a financial plan which we can stress-test for.  If you have ever had to care for an aging parent, you know all too well the costs associated with long-term care today.

Creating Your Financial Plan.

Fill in the information fields below for me help us begin working on your financial Plan

Final Steps to Create Your Financial Plan.

  1. Watch the video below

  2. Click on the link below the video to find your Risk Number™

  3. Send me your current financial statements. Email me at: brian@momentouswealthadvisors.com for your personal link

Momentous Wealth Advisors is a member of the

Brian Muller is an Investment Advisor Representative (IAR) of XY Investment Solutions, dba Momentous Wealth Advisors LLC, a SEC Registered Investment Advisory firm.

We provide investment advisory services, which differ in services and fees from broker-dealers. It's important to understand the difference.

XYPN Sapphire and Momentous Wealth Advisors LLC Disclosures