GWH: Wealth Management Program

The GWH Wealth Management Program includes financial planning, money management, retirement planning, insurance planning, tax planning and preparation, and estate planning. In this program, GWH will provide the following services:

Financial Planning
	Prepare cash flow projections based on the client's current financial status
	Help the client determine if his financial objectives are attainable, based on current savings, spending, and income patterns
	Suggest changes, if necessary, to help the client achieve his financial goals
	Help the client estimate future liquidity needs
	Develop a comprehensive plan to help the client reach his future financial goals and objectives
	Determine if current life and disability insurance coverage is appropriate
	Plan for special spending items, such as college educations, new homes, and other large spending items

Money Management
	Develop an investment strategy based on financial planning and geared toward the client's unique needs
	Manage and direct the client's portfolio based on this investment strategy
	Manage equity investments in the client's portfolio based on GWH's strict quality standards
	Manage fixed income investments in the client's portfolio based on his particular cash flow projections, tax planning considerations, and strict quality standards

Retirement Planning
	Help the client determine if current retirement goals are attainable based on current spending and savings habits
	Provide a plan of action to help the client attain his retirement goals
	Provide alternative courses of action if initial retirement goals appear to be unattainable
	Recommend allocations and investment choices in company retirement plans

Insurance Planning
	Help the client determine the amount of life and disability insurance that is most appropriate
	Assist the client in determining if long-term care insurance is appropriate
	Direct the client to insurance professionals to further assist with insurance needs (we do not sell insurance)

Tax Planning and Preparation
	1040 tax return preparation once a year
	Quarterly projections with estimated payment analysis
	One-hour consultation
	One-hour cumulative telephone or e-mail tax information throughout the year

Estate Planning
	Review the client's overall estate plan to make sure it reflects his goals
	Help the client trouble shoot potential problem areas and if necessary, bring a team of professionals together to implement solutions
	Coordinate with the client's C.P.A., attorney and insurance professional to implement his estate plan
	Provide the client with an understanding of his estate plan through discussion of the plan's overall strategy and structure

The GWH Wealth Management Program
annual fee structure is:


The first $2,000,000	1.10%
$2,000,000 to $3,000,000	0.95%
$3,000,000 to $4,000,000	0.80%
$4,000,000 to $5,000,000	0.70%
$5,000,000 and up	negotiable
Minimum Annual Fee = $11,000
Minimum and Annual Fees Negotiable