The Centurion Process

At Centurion Wealth, we adopt a collaborative approach by working closely together as a team to help our clients achieve their dreams. Our team comprises highly trained and experienced professionals who are passionate about serving the best interests of our clients and their multi-generational families.

We aim to simplify complex financial issues and provide our clients with a high level of financial intellect and professionalism. We believe that everyone has unique skill sets and areas of expertise, which is why we have assembled a diverse team of individuals who work together to empower, educate, and guide our clients through the maze of financial decisions necessary to achieve their goals.

Whether you are starting your financial journey or have already attained financial independence, we take great pride in assisting you in maximizing your financial resources.

VISION STATEMENT & ASSUMPTIONS

Our process begins with a thorough evaluation of your current circumstances and discussion of your future financial and lifetime goals. The key to a successful retirement is contingent upon identifying your specific objectives and aspirations, both personal and financial. Next, we work together to create your unique Vision Statement.

CASH FLOW ANALYSIS

We analyze your current income and expenses and recommend specific courses of action to facilitate the funding of your various financial goals and objectives.

FINANCIAL STATEMENT

Understanding your entire financial picture is an important step toward developing a sound financial plan. To accomplish this, we will create a comprehensive financial statement that lists all of your assets and liabilities, reflecting your current net worth.

FAMILY BENCHMARK® DETERMINATION

We compile projected living expenses and work together with you to answer the question, “What net spendable income do I need on a monthly basis to live comfortably during my retirement years?” This comprehensive analysis anticipates future distribution years and estimates how your cash flow situation impacts your net worth over your lifetime. Our Family Benchmark™ determination provides scenario analysis to calculate the return needed to achieve your financial goals.

TAX ANALYSIS

The integration of your tax, investment and retirement planning is absolutely CRUCIAL. Centurion Wealth now offers in-house tax preparation and planning services. Our Director of Tax, Steven Eddy CPA, CGMA has over 25 years of experience working with individuals and small businesses. Combining state-of-the-art tax planning software with our experience, expertise and creativity, we have the ability to recognize tax saving strategies you may have never known existed.

INVESTMENT ANALYSIS

One of our primary objectives is to achieve your financial goals while exposing your portfolio to as little risk as possible. We do this by employing an asset allocated investment strategy that uses modern portfolio theory and the efficient frontier to ensure your portfolio is effectively and efficiently invested. We conduct Monte Carlo simulations to determine the probability of achieving your established goals.

INSURANCE ANALYSIS

We analyze your current life insurance, long-term care insurance, and disability insurance policies to ensure proper risk management and protection. We also compare premium pricing amongst several top-rated insurance companies to verify competitive pricing.

ESTATE PLAN ANALYSIS

Careful estate planning is a thoughtful and extremely valuable gift that you may bestow upon your heirs. Our goal is to ensure that your assets are passed on as you wish, in a tax-efficient manner, while minimizing the burden on your heirs.

RECOMMENDATIONS, CONTINUOUS REVIEW & ONGOING RESOURCES

We will clearly illustrate and explain our recommendations regarding all aspects of your financial plan. The most important element in establishing an intimate and trusted client/advisor relationship is clear and consistent communication. We believe strongly in maintaining the highest possible transparency and client education. In addition to transaction confirmation, prospectus and fund updates sent directly from the custodian, you can also expect to receive weekly advisor newsletters, monthly calls and quarterly account reports which are customized according to your Family Benchmark™.