Welcome to the Guardian Waypoint, the pivotal stage of your financial journey, typically for those aged 50–62 years old. This phase is all about protecting and preserving your accumulated wealth, ensuring it is safeguarded as you approach retirement and prepare to enjoy the destination of financial freedom. At Way Financial, we see this as ensuring your wealth is guided safely to shore, shifting from full speed to steady cruising, allowing you to focus on peace of mind.

What the Guardian Waypoint Means for You:

• Protecting and Preserving Your Wealth: The core focus during this waypoint is safeguarding your hard-earned wealth. It’s a time to solidify your financial position and ensure your assets are secure for the future.
• Organize, Simplify, and Multiply Your Financial Position: Way Financial’s overarching mission is to simplify complex financial concepts, organize your financial life for clarity and efficiency, and multiply your wealth through smart, strategic planning. This integrated approach is crucial as your financial landscape becomes more sophisticated.
• Personalized, Holistic Guidance: We believe in personalized service that puts your unique needs and goals at the forefront of every decision. Our comprehensive approach considers every facet of your financial life, blending expertise with empathy to guide your unique financial journey.
• Client-First Mentality with a Long-Term View: As a professional fiduciary, Way Financial is committed to educating and empowering you and operates with a client-first mentality. We believe that eliminating debt and investing for the long term is the ideal way to build wealth and prepare for retirement, a philosophy that underpins our strategies at this critical stage.

How Way Financial Supports Your Guardian Journey:

• Comprehensive Financial Planning Services: We provide tailored financial solutions that address every aspect of your financial life. Our services work in harmony to create a comprehensive financial strategy for your unique situation, with ongoing support through regular reviews and adjustments.
• Investment Management and Retirement Income Planning: This stage is paramount for securing your financial future. We offer sophisticated retirement income planning solutions designed for high-earning professionals and executives, including personalized retirement income strategies, tax-efficient investment management, risk management, and ongoing portfolio monitoring and rebalancing. Our signature 5-year funding commitment strategy is designed to provide confidence and peace of mind for maintaining a healthy, active lifestyle during retirement. We also assist with corporate executive benefit compensation strategies and various qualified retirement plans like SEP, ROTH, and Traditional IRAs.
• Advanced Tax Planning: As your accumulated wealth grows, effective tax planning becomes a cornerstone of sound financial stewardship. Our team of licensed professionals helps you legally reduce your tax exposure, maximize the efficiency of your current income, and strategically fund your future financial goals. We focus on year-round tax optimization to identify and implement tax-saving strategies and avoid missed opportunities for deductions and credits. This service is particularly effective for professionals earning over $250,000 annually, business owners, and individuals with complex investment portfolios.
• Estate Planning: This waypoint is crucial for securing your legacy and protecting your loved ones. Way Financial simplifies complex estate planning, offering a comprehensive approach that combines expert knowledge with personalized strategies to achieve your long-term financial and personal goals. We offer a full suite of solutions, including Legacy Planning, Comprehensive Estate Planning and Preservation, Advanced Tax Planning Strategies, Life Insurance Planning, and Charitable Giving and Gifting Strategies. Our Multi-Family Office approach ensures a dedicated team of professionals works in concert to optimize every aspect of your estate plan. Our signature Legacy Planning from the Heart™ process validates your family’s values and aspirations and educates you on effective planning strategies.
• Life Insurance Planning: Life insurance becomes a vital tool for safeguarding tomorrow, today. We help you navigate complexities, offering customized solutions for estate planning, wealth transfer, business continuity, and income replacement. For high-net-worth individuals, we offer advanced premium financing solutions that can reduce out-of-pocket premium payments and enhance benefits.
• The Way Financial Process: Our journey together begins with a Discovery Meeting to establish a strong foundation and review your current situation, including your Income, Investment, Tax, Health Care, and Legacy Plans. This is followed by a Portfolio Review, a Plan Review/Implementation Meeting to discuss recommendations and commit to your success, and finally, a Client Experience/Onboarding Meeting to set up accounts and establish a regular review process to keep your plan on track.
• Empowering Tools: To help you gain clarity and make informed decisions, we offer powerful online tools such as a Compound Interest Calculator, Monthly Budget Breakdown, Debt Payoff Calculator, and Tax Calculator.

Your Next Step to Safeguarding Your Future:

Ready to proactively protect and preserve your hard-earned wealth? We invite you to schedule a complimentary consultation with one of our expert Financial Advisors. There’s no obligation, just opportunity to discover how we can help you achieve your financial dreams. Let’s embark on this financial journey together, as your success is our success.