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Wealthfortified™ Process on a Tablet

Wealth

Fortification

Why WealthFort℠
Be WealthFortified.  Our singular focus is fortifying your family for generations.  Our name says it all--WealthFort℠ was created to help you plan, manage, and preserve the financial assets and resources that you have worked so hard to accumulate. By taking advantage of our No Obligation Free Offers to create either/both an Integrated & Comprehensive WealthFort℠ Retirement Asset Allocation Plan (WRAP™), and/or (if you are a Federal Employee) our included Federal Employee Benefits Analysis (FEBA™), you and your family are on your way to realizing a worry-free and fortified wealth future.  The strength of what we do is realized in why we do it--everything we do is determined by your best interest in an effort to protect your family, fortify your wealth, and provide you with the security necessary to live life apart from worrying about your finances.
Wealth Fortification
Wealth Fortification is the process of Planning, Protecting, and Preserving your wealth for generations so that you never have to worry about money again--you sleep well knowing every facet of your financial life is fortified. The process itself has five defined steps: Assessment, Implementation, Securement, Document, with a final confirming step of Securement. This thorough process results in a fortified wealth plan that balances Growth, Income, Risk, and Liquidity.
Securement
Assessment
Implement
Document
Securement

Assessment – Discover.  Unique Analysis of Your Needs and Goals.

 

From the moment you learn of us to the moment you start to share your financial story with us, you’ll see that working with WealthFort℠ is different. As our greatest priority is you--we listen to you and your family.  We take the time to understand your unique situation--your opportunities, your challenges and your hopes and dreams for the future.  Using our online digital intake tools, we make your financial profile come alive as we illustrate where you're at,  where you want to go, and how to get there--

WE GIVE YOU A PLAN in writing that you can understand, follow, and access 24/7-365.   The value we bring to you, our client, goes well beyond choosing and managing the right investments. We fortify your current financial picture, your future retirement, and the transfer of your wealth for generations.  As your trusted advisor, we are always here for you, tracking your plan so you never need to worry.  

Securement - Protect.  Preserve Your Wealth for Generations.

 

The strength of what we do is realized in why we do it--everything we do is for your best interest in an effort to protect your family, fortify your wealth, and provide you with the security necessary to live life apart from worrying about your wealth.  With your plan in place, your WealthFort℠ team then puts it into action, working with you and any other advisors you may employ to ensure your money is where it should be based on your current and future needs.  We further protect you and your heirs by incorporating additional services meant to insulate you and your estate from identity theft or wealth transfer mistakes.  This step in the process is critical as we work to fortify your wealth for generations.  Accordingly, we revisit this step throughout the WealthFortified™ process.

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Implement - Execute.  Placing Your Plan into Action.

 

Once we know where you stand and where you want to go, we get to work. We use peer-reviewed research to craft specific recommendations and build the appropriate MOAAT portfolio  to get you to and through retirement.  Your portfolio will assume measured risk consistent with your risk profile.  Also, it's  during implementation where we complete the necessary paperwork to get an ID Lockdown report ran to determine if there have been any breaches in the fraudulent use of your identity.  Regardless of the report, additional steps are taken to keep your identity locked down.  At WealthFort℠, doing what is right for our clients means assembling a passionate team that lives and breathes the science of investing and wealth management.  A team that combines years of experience and exposure to economic ups and downs with today’s technology in a collective effort to optimize our ability to help achieve your shared financial outcomes.

Document - Record.  Manage Where You've Been and Where You're Going.

 

Your WealthFortified Digital Financial and Retirement Plan is a working document that we keep secured in your online "MY FORT" vault.  You have access to this .pdf document and all revisions at all times online through your secure 256-bit, two-factor login.  In addition to your plan, you will be able to link all of your financial accounts using the same software--double encryption and two-factor secure.   This affords you the opportunity to view all of your accounts and your plan anywhere, anytime so that you fully understand how you are tracking towards your goals.  When you have questions, we are there with answers. We’re here to help you make your best financial decisions and to provide the discipline you need to stay the course.  In addition to conversations that happen in person, on the phone or over email, we publish new content to our web site and social media feeds to inform and educate our clients and those most important to them.  Like everything else about our tailored client experience, how often you hear from us is based on your specific preferences. At a minimum, you receive quarterly reports, with clear, transparent accounting of your returns and any transactions we may have executed during that period.  We also have real-time progress meetings to make sure we remain in close touch with your needs and circumstances.   Anytime you have questions throughout the year, we’re ready to respond with clear, thorough answers.  Finally, we will review your plan and progress no less than annually during your annual review, more often if you prefer.

 Your WealthFortified Process

Your  MY FORT Dashboard and Vault

 Your WealthFort℠ Annual Review

WealthFortified Philosophy

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Here is what we believe and what informs our planning, decisions, and recommendations, so that we may strive to discern and maintain your best interests, our primary goal (in no particular order):

 

  • ​A Dr. requires a 360° perspective of your health to accurately diagnose and treat your medical condition--our process necessitates a complete view of your finances to get you Wealthfortified.

  • A Wealth Plan is recommended for Wealth Fortification.

  • Identity theft is a threat to your wealth--Identity fraud will erode your wealth and sense of peace.

  • Warren Buffet is the "Oracle of Omaha" for a reason.

  • Markets are mostly efficient and chasing the part that isn't will lead one to wish they hadn't.

  • Retirement is about your "Could Haves" and a worry-free financial reality.

  • Weigh undervalued investments relative to their historical averages more heavily--don't lose sight of the price being paid for the growth of earnings.

  • Diversification is more than reallocating your IRA, TSP or 401(k)--think more broadly and exhaustively--global asset allocation across multiple asset classes can help reduce the risks associated with investing in individual securities or one asset class.

  • Mitigate unnecessary risks--asset allocate across broad markets--use negatively correlated assets to reduce downside risks.

  • There is a nexus between risk and return--taking greater risks makes for potential greater returns but does not ensure them.

  • The asset classes that compromise a portfolio and the associated risk levels of those asset classes are responsible for a great share of the variability of portfolio returns.

  • You can't behave yourself out of a problem the same way that you behaved yourself into the problem--behavior modification can lead to disciplined investing, a more focused approach, and greater total return in a portfolio.

  • Minimize Expenses within investment scope.

  • Minimize taxes and Investment turnover that can lead to taxation.

  • Balance Growth/Risk/Income/Liquidity.

  • Being WealthFortified is of greater scope than simply managing investments--WealthFortification includes investment management but also several other areas: wealth planning, wealth management, wealth preservation, and wealth education. 

  • Being WealthFortified is the process of planning, managing, and preserving your wealth for generations so that you never have to worry about money again.  You sleep well knowing every facet of your financial life is fortified.

  • Paid Investment Advisory fees are compensation for more than investment management.  These fees reflect Total Wealth Management Planning: wealth & retirement planning, wealth management, wealth protection and preservation, and wealth education--becoming WealthFortified.  WealthFort℠ fees are comparable to industry avgs. but reflect the WealthFortified wealth planning, wealth management, and wealth preservation process. 

Temecula, CA

The information, suggestions, and recommendations included in this material are for informational purposes only and cannot be relied upon for any financial, legal or insurance purposes. WealthFort, Inc. and HBW Advisory Services, LLC will not be held responsible for any detrimental reliance you place on this information. It is agreed that use of this information shall be on an  “as is” basis and entirely at your own risk.  Additionally, WealthFort, Inc. does not guarantee the performance of any investment or insurance product. Insurance products are offered through HBW Insurance & Financial Services, Inc.,  a licensed insurance agency and affiliate of HBW Partners.  HBW Insurance & Financial Services, Inc. and individual advisors affiliated with WealthFort, Inc. receive commissions on the sale of insurance products.  Clients are not required to purchase recommended insurance products or to otherwise implement financial advise through WealthFort, Inc. or its affiliates.  WealthFort, Inc. investment advisory services are offered through HBW Advisory Services LLC.  HBW entities are located at 3355 Cochran St., Suite 100, Simi Valley, CA93063, (800) 473-3856.  HBW Advisory Services, LLC is a registered investment advisor with the SEC.  Their registration with the SEC or with any state securities or insurance authority does not imply a certain level of skill or training.  The U.S. Federal Government, nor its agencies listed herein, endorse Dale Raymond Curtis, HBW entities, or WealthFort, Inc.  Dale Raymond Curtis is an Investment Advisor Representative and Insurance Agent--CA Ins. Lic. #0i22636.  HBW Insurance & Financial Services, Inc., dba: HBW Partners, HBW Securities LLC and HBW Advisory Services, LLC, and WealthFort, Inc. are separate entities which do not offer legal or tax advice.

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