Big Picture
Planning
Bring Your Future Into Focus
At Vista Wealth Solutions, we believe financial planning is not a rigid, one-time recommendation, but rather a continuous process that’s focused on finding opportunities to let you live your life to the fullest. By aligning your personal values with your financial circumstances, our adaptive approach helps you navigate change and pursue your big picture goals.
Building Your Plan from the Bottom Up
Copy here that explains the philosophy and team design approach to developing a solid financial plan.
How We Help You See the Big Picture
Getting Started
As we get started, our initial conversations will give us the opportunity to discuss what matters most to you and share how we can best support your financial situation.
Agreement & Onboarding
Once we’ve established our relationship, our team will set up your accounts in our secure platforms. You’ll also receive a simple checklist and questionnaire so we can personalize your plan to fit your goals.
Protection Strategy Meeting
We’ll review your insurance, estate documents, benefits, and overall risk management to ensure you’re covered where it matters most—protecting your future while freeing up cash flow.
Cash Flow Strategy Meeting
Together, we’ll organize your income, expenses, and accounts, set up your cash flow system, and help you shift your default mindset from spend to save.
Wealth Acceleration Meeting
With protection and cash flow in place, we’ll focus on building your wealth through investments, tax strategies, and retirement planning— which will help give you the confidence to enjoy your life’s accomplishments.
Plan Implementation & Management
Once your plan is put into place, we will help you manage account changes, and ensure everything is working smoothly. As we move forward, ongoing reviews and adjustments will keep your plan aligned with your goals as your life evolves.
The Building Blocks of Our Planning Process
1
Financial
Position
- Cash reserve levels
- Cash reserve strategies
- Debt management
- Cash flow management
- Net worth
- Discretionary income
- Expected inflow / outflow
- Lines of credit
2
Protection
Planning
- Disability options
- Long-term care: timing / premium coverage
- Umbrella liability
- Life insurance
- Medical / Health property & casualty
- Deductibles vs cash reverses
- Policy status
- Policy loans
- Beneficiary designations
- Special needs situations
- Alternate/additional coverage strategies
3
Investment
Planning
- Asset allocation
- Educational funding strategies
- Lump-sum accumulation
- Options / restricted stock / non-qualified deferred compensation
- Ongoing investment fees
- Risk tolerance
- Tax implications
- Cost basis
- Time frames
- Diversification strategies
- Dollar-cost averaging
- Market timing issues
4
Tax
Planning
- Tax reduction
- Tax deferral
- Tax mitigation strategies
- Future taxes due
- Withholding tax diversification
- Qualified investments
- Non-qualified investments
- Effects of liquidation
- Filing status
- Business ownership
- Non-traditional ownership
5
Retirement Planning
- Minimum distributions
- Pre-59 ½ strategies
- 401(k)s
- IRAs
- Medicare / Medigap
- Social Security
- Roth conversions
- Income streams
- Income streams – transitions
- Health care
- Tax transitions
- Risk tolerance transition
- Timing issues
- Retirement date and retirement income projections
- Business succession strategies
6
Estate
Planning
- Estate balancing
- Capital transfer
- Asset ownership
- Wills & Trusts
- Trust funding
- IRD
- Succession planning
- Special needs dependents
- Minor children
- Generation skipping
- Short-term life expectancies
- Estate liquidity
- Asset protection strategies
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