Dr. Guy Baker, Founder and Managing DirectorThrough an evidence-based economic model, WTA provides a time-tested, well-defined roadmap for comprehensive wealth management, helping investors navigate the obstacles of market uncertainty. With over 35 years of experience, their expertise in guiding clients through both the accumulation and decumulation phases of life has stood the test of time. WTA’s advanced investment strategies are aimed at wealth-building during the working years while providing a stable and consistent income during the decumulation years. Sophisticated investors realize there is certainty in markets in the short term, but there are documented ways to protect against volatility and uncertainty during retirement.
Backed by decades of expertise and strategic innovation, WTA creates personalized retirement projections to help provide clarity on critical questions many clients struggle to answer. These include: How much capital is required to provide a comfortable retirement? How much more do I need to save, considering both current savings and future contributions to reach this objective? And most important, how can I invest my capital to achieve an optimal outcome with minimal risk? WTA has found most investors are asking the question – “What is the optimal investment strategy to maximize my chances of achieving my retirement goals?”
To find this answer, WTA must step into a client’s shoes and analyze their financial position, considering diverse factors such as retirement age, tax considerations, risk tolerance and long-term income objectives. WTA then tailors a unique economic model that has a high probability of delivering a realistic, predictable outcome.
“Whether clients envision retiring at 65, 70, or later, WTA is focused on helping them achieve financial independence through intelligent and evidenced based solutions,” says Dr. Guy Baker, founder and managing director.
The evaluation process begins with an in-depth personal interview aimed at providing the advisor insights into the client’s values, concerns, investment capacity, family dynamics and accumulated assets. This information forms the foundation for WTA’s meticulous financial projections, highlighting potential shortfalls and identifying actionable steps to close the gap.
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Whether clients envision retiring at 65, 70, or later, WTA is focused on helping them achieve financial independence through intelligent and evidenced based solutions
Most investors underestimate how much capital they need in retirement. For example, a client in their 40s is shocked to discover they will need $5 to $6 million, maybe more, to maintain an inflation-adjusted comparable lifestyle throughout retirement. This conclusion must take into account key factors like inflation, taxes and market fluctuations. Capitalizing on robust data analysis and well-researched expected returns, WTA provides clients with an intellectual framework that prioritizes long-term growth over short-term speculation. WTA integrates cutting-edge portfolio monitoring tools for real-time performance tracking and streamlined portfolio management.
While accumulation is the critical first step to achieving financial independence, the transition from accumulation phase to spending phase must evolve to ensure a sustainable income throughout retirement. The decumulation phase demands an income based investment strategy to assure the portfolio delivers a consistent and stable income through retirement.
With regular portfolio optimization, quarterly or weekly rebalancing and adherence to the Efficient Frontier principles, WTA ensures portfolios remain aligned with client’s retirement income objectives.
WTA goes beyond investment management with their clients, as needed. Here is a brief summary of the breadth of WTAs Key Strengths and Services:
An Evidence-Based Approach to investing: WTA utilizes a well-defined economic model based on six Nobel Prize winning papers. They bring decades of experience (over 35 years) to help clients create personalized wealth management plans.
Comprehensive Planning: Beyond investment management, WTA addresses income taxes, as well as estate and legacy planning to ensure a holistic approach to financial well-being is being considered.
Tax Mitigation: WTA offers a wide range of ethical tax management strategies to help clients optimally organize their income and tax preparation efforts. These strategies include charitable planning, capital gains deferral and qualified plan management (pensions, ROTH conversions and income reduction.)
Focus on Long-Term Growth: Understanding the investment time horizon does not stop at 65 is an important shift in client perspective. WTA prioritizes long-term growth and stability over short-term speculation while helping clients navigate market uncertainties.
Technology Integration: WTA uses portfolio monitoring and management tools to assist client analysis and communication.
Tax and Estate Planning: WTA collaborates with tax professionals and CPAs to minimize estate tax liabilities and develop effective plans that address family legacy desires.
WTA envisions a future where clients and financial advisors are empowered to confidently navigate the complexities of wealth management. Strengthening the advisor-client relationship and continuing to refine its evidence-based methodologies, WTA is committed to delivering exceptional results and comprehensive support in all phases of the life cycle.
For those seeking to embrace retirement as a rewarding new phase of life, Wealth Teams Alliance is a go-to partner for guiding individuals through every step of their journey to a secure financial future.
