• Meaning-of-life questions on life goals, money, and values alignment
• Comprehensive and long-range wealth management and financial planning
• Education planning and funding (college planning)
• Estate and estate tax planning
• Generational wealth
• Investment advice and management
• Philanthropic planning and charitable giving
• Retirement goals and planning
• Risk management
• Specialist referrals
• Tax planning and strategies


Preserving your wealth involves taking steps to diversify your assets, lower your risk, and have a disciplined investment process that leaves fewer variables to chance. Including lower-risk investments such as cash and fixed interest investments in your portfolio can help minimize losses during recessionary periods.

On the flipside, a more growth-oriented wealth strategy usually involves a more aggressive risk profile and a higher tolerance for market volatility in the hopes of realizing a higher return over the long run. Where you are in your wealth journey will help inform which approach you should take.


Wealth management means growing your wealth, managing liability, and carefully planning to preserve your wealth so you can create a legacy or pass it on to your hiers.

It involves a comprehensive financial review and the development of a plan that includes investments, tax and estate planning, gifting, retirement planning, and legal services. Wealth management tends to be most important when your needs shift from growth and accumulation to wealth preservation. During this later phase of your wealth journey, the primary goal is to protect your wealth to meet your needs during retirement and enable you to pass it on to the next generation.


The main benefit of wealth management is peace of mind.

It’s the confidence that you have a financial plan built around you, and assurance that you are doing the right thing for your family. When you partner with 360 Financial, you get a wealth plan formulated by our experienced advisors that prepares you for retirement, major life changes, and other impactful financial events. Through our planning and review process, you have access to multiple experts who work together on an integrated plan and frequently review it as circumstances change.

Wealth Management versus Financial Planning

The biggest difference between wealth management and financial planning is the scope of what’s managed and the type of client served. Financial planners generally consider every aspect of your finances—from insurance to retirement savings to everyday expenses. Wealth managers tend to focus on larger assets, investments, will and trust services, and estate planning for higher net worth individuals.

While anyone can work with a financial planner, the more wealth you have, the more you can benefit from a dedicated wealth management advisor that integrates all aspects of your wealth into a plan built around your goals.

Wealth Management versus Portfolio Management

Wealth management and portfolio management differ in the range and scope of management services offered. Wealth management takes a big picture approach to managing a client’s finances. It takes multiple factors into consideration including investments, tax and estate planning, charitable giving, and retirement planning. Portfolio management focuses solely on managing and rebalancing a client’s investment assets to achieve their desired return goals. Our team is happy to meet with you to discuss your needs and help you decide which approach is best for you.


At 360 Financial, we deploy a range of time-tested wealth management strategies to synchronize every aspect your wealth to ensure you’re staying on track to realize your objectives, even when impactful financial events occur. These strategies include:

ASSET ALLOCATION: We use asset allocation and diversification strategies to ensure your wealth is distributed across a wide range of investments to minimize risk and optimize return potential.
RETIREMENT PLANNING: We create a custom retirement plan that’s aligned with your personal, financial and retirement goals.
RISK MANAGEMENT: In addition to managing your exposure to market volatility, we can also help protect your wealth and your family with insurance solutions such as life, disability, home, auto and business.
TAX PLANNING: We work closely with you and your CPA to implement tax-efficient strategies that limit your tax liability, so you can keep more of the wealth you’ve worked hard for.
ESTATE PLANNING: We’re here to help you carry out your legacy and ensure your assets are passed on to your beneficiaries in an efficient, tax-advantageous manner.

Private Wealth Management

A higher level of wealth calls for a higher level of service. We offer private wealth management services for high-net-worth individuals and families. These services are provided by 360 Financial’s experienced team of experts who specialize in managing and coordinating your financial affairs. Our specialists will work with you and your family to monitor your investments and optimize their strategies as market conditions change or impactful financial events occur.


In wealth management, there are wide range of certifications for different areas of expertise. Ensuring you’ve got the right people with the right skillsets looking after your money is key to achieving your long goals. At 360 Financial, our team of experts brings over 200 years of combined experience in helping enrich our clients’ lives. Their credentials include:

• Certified Investment Management Analyst® (CIMA)
• Certified Private Wealth Advisor® (CPWA)
• Certified Financial Planner® (CFP®)
• Chartered Financial Analyst (CFA)
• Chartered Financial Consultant® (ChFC)
• Certified Trust and Financial Officer (CTFA)

Cost of a Wealth Manager

The cost of a wealth manager usually varies based on the services provided, the assets managed, and the account balance. Most wealth managers charge fees based on a percentage of assets under management. This can range from 0.5% to 2.00% of the total assets. Fees tend to be lower the more money you have invested. Additional services like tax or estate planning may add additional fees. Some wealth managers have a minimum fee or account size threshold that clients must meet to receive services.


Understanding wealth management and wealth planning is critical to creating a more secure financial future. We like our clients to take a proactive, engaged role in their finances — so we take the time to help you understand our recommendations and the strategic reasoning behind them. Having a comprehensive wealth plan in place helps ensure your investments are managed in a risk-appropriate manner that’s aligned with your financial objectives. It can also help to minimize your tax liability, provide estate planning guidance, and ensure you have a well-considered retirement plan in place that provides the financial independence you’re after.

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If you’re ready to work with a passionate, experienced financial team that’s dedicated to your
happiness and future, schedule an introductory call to ask questions and find out how we can help you.

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What is wealth management?

Wealth management takes a comprehensive approach to managing your finances to achieve your long-term financial goals. It incorporates a wide range of services including portfolio management, tax planning, estate planning, and retirement planning. It coordinates and synchronizes each of them with the goal of providing a comprehensive solution that’s built around your personal objectives.

Is wealth management worth it?

For higher net worth individuals and families, wealth management is definitely worth it. Having a team with 360 Financial’s depth of experience and range of services can lead to significantly better long term financial returns than taking a less holistic approach that only ultilizes portfolio management, for example.

What do I need to know about wealth management?

When you’re considering hiring a wealth management partner, it’s important to consider how your unique goals will influence factors like asset allocation, diversification, and risk management. The number of services you may need will also vary depending on the size of your assets, your tolerance for risk and your long term goals for your money. There are a dizzying number of firms out there to choose from. We recommend meeting with several potential partners before entrusting your financial success to one. We’re happy to meet with you and providea free consultation to discuss your needs and give you honest, unbiased answers to your questions.

How much money do you need for wealth management?

The amount of money needed for wealth management varies by individual firms and managers. But generally a net worth ranging from $2 million to $5 million is the lower end of the threshold for where it makes sense to consider partnering with a wealth management advisor. Any lower than that and the fees required to provide services and manage investments may limit the long term performance of the assets.

Is it worth paying a wealth manager?

The more your wealth grows on your life journey, the more you stand to benefit from partnering with an experienced, trusted wealth manager. It can help protect your money from volatile markets, limit your tax liability and grow your wealth over the long term to ensure you have a strong financial legacy to leave to your beneficiaries.

What is an example of wealth management?

Let’s take the hypothetical example of an investor who is 54 years and wants to retire by age 60. When combining the value of her home, 401k, savings and a recent inheritance, she has a net worth of $7 million. She wants to have the freedom to travel in her retirement. She also wants to leave her estate to her two children and provide for her new granddaughter’s education. She’s frustrated by high taxes and doesn’t want to give the government any more than she has to. She meets with her 360 Financial team. The team assesses her risk tolerance and creates a portfolio management plan with a moderate risk profile, given that she wants retire in six more years. They set up estate planning services to create a living trust. This will ensure that when she dies, her wishes are carried out and her estate passes to her children without being exposed to probate taxes. Her wealth management team also collaborates with her CPA to implement a tax-efficient annual gifting strategy that lowers her tax liability while sharing her wealth with her kids and providing for her grandchild’s education. Her holistic plan takes all her goals into consideration and integrates them into one seamless plan.


A well-designed plan for financial growth starts with the wealth accumulation phase of your life. The earlier you are in your financial journey, the more focused you should be on saving and investing. How much you invest and where you invest it depends on your personal preferences, your tolerance for risk and your long-term financial ambitions. But every plan for financial growth should be built on basic investing principals like diversification and asset allocation. It should also account for financial risks by including emergency savings, health/life insurance and other risk management strategies.

Schedule a 15-minute Call

If you're ready to enhance your financial well-being with the help of a passionate team of experienced experts,
schedule a free 15 minute call with us to discuss your goals and dreams.

Schedule a 15-Minute Call
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