The Wealth Mastery

In the words of Benjamin Graham, the success of investment lies not merely in beating the market but in having an efficient financial plan and disciplined behavior.

Recognizing the value of systematic financial planning that challenges conventional investment practices, Stacy Turner, a fiduciary and CRPC, founded The Wealth Mastery. Turner’s journey into the financial industry began with promise and prestige, marked by a notable ranking as one of the top hedge traders in the USA by Bloomberg. However, the .com crash of 2001 prompted a stark realization — traditional financial strategies were fundamentally flawed. This moment of reckoning led to the development of a systematic approach to financial mastery that transcends typical diversification models, laying the foundation for The Wealth Mastery.

Based out of the heart of Silicon Valley, Palo Alto, CA, the firm primarily serves business owners and high-net-worth individuals by solving their unique tax, risk, and personal finance issues that come with business ownership and wealth management. Turner has pioneered an advanced tax and portfolio management strategy that integrates investment in annuities, draws inspiration from CalPERS's proven wealth management practices, and paves the way for the development of impactful legacy funds.

“Our method shields assets from market volatility while paving the way for financial freedom, allowing individuals to navigate retirement confidently and excitedly,” says Turner.

The first pillar of the Wealth Mastery Method™ focuses on safeguarding assets and securing a steady lifetime income with returns closely mirroring the S&P 500. This approach strategically departs from the traditional bond reliance, endorsing the use of fixed index annuities designed to provide assured returns guarantees while shielding clients from market downturns. The method efficiently manages required mandatory distributions (RMDs) and augments social security benefits, ensuring sustained liquidity for clients and their spouses throughout their retirement. Allianz–the world's largest, highly-rated carrier that started in 1890 and one of the World's Most Ethical Companies–is the selected insurance partner due to its exceptional solvency, adding an extra layer of security.

The second tenet of the Wealth Mastery Method™ adopts an investment philosophy akin to an institutional endowment, drawing parallels to the investment discipline of CalPERS, recognized as one of the most substantial capital reserves in the United States. This approach entails a rigorous selection of businesses with robust balance sheets, deploying a CalPERS-informed filtering process that necessitates a track record of sustained dividend growth across varying market climates.

Out of the 68 companies meeting, the top 40 are selected based on Turner’s proprietary Wealth Mastery Method™ criteria. He learned most of the screen criteria from being entrusted with $100M from CalPERS when running a fund called MPM Bio in the Genentech building in South San Francisco.

The portfolio performance is optimized by focusing on the companies chosen while minimizing associated commissions. This results in an approximate 11 percent annual gross return after deducting a 1 percent fee, surpassing the performance of the S&P 500.

The final component of the Wealth Mastery Method™ focuses on building a financial legacy. The legacy fund serves as a growth stocks repository, contributing to tax efficiency and providing financial security. Unlike traditional methodologies that entrust funds to market dynamics, this approach enables individuals to invest based on their retirement objectives and financial trajectory.

In a catastrophic event, The Wealth Mastery Method™ ensures financial resilience, with social security checks and a perpetual income stream from Allianz remaining intact even if circumstances necessitate selling assets or depleting other resources. The legacy fund, rather than being liquidated, can be used as collateral for a loan, thus avoiding capital gains taxes. By adopting this approach, individuals can navigate unforeseen challenges with financial flexibility and strategic resource utilization, contributing to a secure and tax-efficient financial.

Recently, a couple sought Turner's expertise due to financial concerns arising from a market downturn that resulted in a $400,000 loss, jeopardizing their planned retirement in 2024.

Deploying the Wealth Mastery Method™, Turner commenced with securing their million-dollar IRA by placing it into Allianz's Benefit Control Annuity. The annuity offered an upfront 25 percent boost, mitigating the loss although not entirely recovering it. However, this provided the clients with financial stability and a guaranteed lifetime income stream, setting a solid foundation for their retirement.

Identifying inefficiencies in their existing portfolio, overlapping ETFs were replaced with a curated selection of the top 40 stocks with a consistent 25-year dividend history, reducing portfolio volatility and ensuring a reliable dividend income. The introduction of the legacy fund further enriched their financial strategy. Combining growth stocks with real estate assets, this fund projected a substantial legacy of $15 million for their children. The unique approach to wealth mastery empowered the couple with financial control and confidence as they retired. Turner aims to replicate this approach for others, offering his proprietary method as a SaaS-based, user-friendly app.

The success of The Wealth Mastery Method™ can be attributed to Turner's wealth of experience in the financial landscape. In an industry saturated with generic approaches, Turner's journey and The Wealth Mastery demonstrate a vision of a truly unique and effective financial strategy.