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Personal Financial Blueprint

"Setting a goal is not the main thing.
It is deciding how you will go about achieving it and staying with that plan."

- Tom Landry
Dallas Cowboys Hall of Fame Coach


Everyone wants to be financially independent. However, becoming and remaining financially secure isn’t a “sure thing” for most people. Developing a financial independence “blueprint” is a multi-faceted process involving financial and non-financial information, goal setting and the use of powerful computer models to assess the probability of a successful outcome.

Your expert team at TMG works closely with you during this process to assure your future security and financial safety. Once completed, we review your entire financial situation on a regular basis to make sure you’re “on track.”

Modeling The Future

Retirement planning is a complex arena with many variables to consider such as inflation, return on investment, and spending. For example, some investment accounts get special tax treatment, and some do not. Our firm is an industry leader in promoting and implementing advances in retirement modeling and has helped with the development of some of the most sophisticated modeling programs available. Our advanced analysis computes cash flows for every remaining year of your life. We do this by using an internally developed computer model that simulates thousands of lifetimes using multiple variables. This model projects future outcomes and enables us to assess the probability of a successful outcome, which is usually defined as financial independence for your entire life.


Creating Your Personal Financial Blueprint

During our first meeting, we will gather and review your financial data and financial independence goals. We must obtain a solid understanding of your overall financial situation so we can assess the various life situations that could affect you financially. This includes both qualitative and quantitative data and information.

At our second meeting, we review our report with you. We carefully examine the consequences of the analysis. If it shows you have a high probability of running out of money, we discuss alternatives such as retiring later, working, changing lifestyle or other choices. As necessary, we investigate the impact of changed assumptions. We report these revised results in a subsequent meeting.

On a periodic basis we review your progress and, as necessary, make adjustments to the model to keep you on track towards financial independence.

These planning services are usually included at no extra charge as part of our integrated wealth management process. (See fee schedule for exceptions.)