120 Waterfront Street, Suite 410, National Harbor, MD 20745 | P: 301.567.0706
                                                                                                    | P: 703.519.1254


Our Process


Get to Know You.

Lifetime Wealth advisors believe that it is crucial for us to get to know you as individuals with unique circumstances, value sets and goals. After becoming a client of Lifetime Wealth Planning and Management, we engage in a discovery process to find out about you. Where did you grow up and how did you get to where you are today? What life transitions have you experienced or are experiencing now (e.g., marriage, retirement, widowhood, etc.) What do you want to accomplish in your lifetime? What principles guide your important decisions? Who is important in your life? How do you define success? What do you wish to be remembered for and/or what would you like to leave as a legacy? What are your short and long range goals, hopes and dreams? Only after understanding where you are in your life journey are we able to create a plan for helping you reach your goals and fulfill your dreams.

Create Your Investment Policy Statement.

After the initial discovery process has been completed we create your Investment Policy Statement (IPS). The IPS identifies your specific goals and objectives and the assets that you will use to achieve those goals. Your IPS outlines, in writing, how your investment portfolio will be managed to maximize the probability of achieving your goals. Your IPS includes information about your particular situation including your tolerance for risk and your ability to accept risk in an investment portfolio; your recommended asset allocation and specific investments; rebalancing policy; and, tax management strategies. We then utilize a proprietary, sophisticated modeling process to determine the probability of achieving your financial goals. Furthermore, we take a comprehensive approach as your financial advisor. As part of our process of getting to know you, we identify areas of financial planning which need to be addressed and specific action items to address them. Creating and implementing a sound Investment Policy Statement is an important step in the lifelong process of building wealth and then maintaining wealth in your retirement years.

Maximize the Probability of Reaching Your Goals.

To give you the best chance of successfully reaching your most ambitious goals, we utilize your IPS we have created to grow, manage and preserve your wealth over your lifetime. This is a plan that is guided by your values and utilizes state of the art investment strategies - a plan that relies on academic research rather than market predictions and questionable analyst recommendations. Utilizing these strategies will give you the best possible chance of realizing your goals and achieving all that is important to you.

Utilize a Fiduciary Standard in Managing Your Portfolio.

Lifetime Wealth Planning and Management (LWPM) is strictly Fee-Only®; we are paid by our clients and our fiduciary duty is to our clients. We do not accept commissions or referral fees of any kind which allows us build a portfolio free from conflicts of interest and to establish trusting, lifelong relationships. Our clients have the freedom to live their lives doing what they want to do, knowing that their financial resources are being managed prudently, and giving them the best possible chance to realize their dreams.

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