Wealth Plan is a complete financial planning tool for analyzing clients' situations and producing a "wealth plan" tailored to their needs, as useful for ongoing reviews as for initial case preparation.

The behavior of all securities is defined in terms of asset classes using data based on Morningstar Inc. research.

Wealth Plan includes a tool for measuring client risk tolerance and provides an optimum asset allocation target model based on the result.

It shows the advisor the deviation from this target and helps in creating recommendations to converge on it.  The advisor is continually aware of the asset class make-up of all securities in view.

The program makes the need for rebalancing apparent to clients and shows how recommendations meet that goal.

This chart shows how Wealth Plan can fit into your portfolio management cycle.

It accepts position downloads exported from PortfolioCenter or Cambridge account manager programs.  (Others will be added as encountered.)

Asset classes are assigned to each security using Morningstar data which we contract for and provide you at no extra charge.  Then the current portfolio is compared with a target model appropriate for your client's risk tolerance to give you visibility of rebalancing needs and provide data for review with the client.

When client approval is obtained, the program will generate trade tickets for transmission to your broker dealer.  Broker dealer transactions update the account manager program to complete the cycle.

Wealth Plan can operate on a stand-alone basis as well.

Wealth Plan is well suited to adopting a behavior based investment philosophy, like the "Modern Portfolio Theory",  by utilizing asset allocation to match client's risk tolerance.   This chart is included as a reminder of the tenets of this philosophy.

Wealth Plan operates in the advisor's office environment under the advisors' control.  It promotes standardization within the company.

To strengthen communication ties with clients, four auxiliary programs are made available from this website.  These programs can be downloaded free by your clients who prefer to collect data and fill out the risk tolerance questionnaire at home and transmit the results to you.  Or prefer to explore factors effecting financial security at home.  There is also a home budgeting tool available to anyone.

These programs do not detract from nor interfere with your communication with clients via reviews using printed wealth plans and documented via a printed investment policy statement.