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Revised 2/27/03
2324A CHEEK-SPARGER RD.
BEDFORD, TEXAS 76021
817-267-9480 METRO
800-242-9480
817-283-1772 FAX
2324A CHEEK-SPARGER RD.
BEDFORD, TEXAS 76021
817-267-9480 METRO
800-242-9480
817-283-1772 FAX
Welcome
Joy D. Kirsch is a registered representative of and securities, investment advisory services, and financial planning are offered through LPL Financial, A Registered Investment Advisor, Member FINRA/SIPC tracking # 396177
Revised 2/27/03
The TruWealth® Process Components
TWP = IP + IC + AP + RM
Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC
Revised 2/27/03
TruWealth ®
Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC
Discovery MeetingDefining Your Values & Goals
Mutual Commitment Mtg
Value Presentation & Engagement
The TruWealth® Strategic Plan
Financials, Retirement, Wealth Protection & Goals
The TruWealth®
Strategic Plan Cash Flow Workbook , Investments & Taxes
Organization Meeting
Paperwork &WMS Training
The TruWealth® Checkups
Advanced Planning & Progress Checkups
Investment Overview
Overview of Alternatives
Annually
Process
The
Revised 2/27/03
The Concierge Wealth Management Experience™ Components
CWME = TruWealth® Process + Specific Investment Recommendations +
Implementation + Monitoring + Rebalancing
Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC
Revised 2/27/03
The Concierge WealthManagement Experience™
The Concierge WealthManagement Experience™
Discovery Meeting
Mutual Commitment
Meeting
Presentation of The
TruWealth® Strategic Plan
Investment Overview
Advanced Planning &
Wealth Management
Solutions Training
Income &
Investment Plan
Overview
Data Input & Review;
Development of The
TruWealth® Strategic Plan
Meetings with the Advanced Planning
Team
Creation of Mind Map
& Value
Proposal
Organization Meeting
Paperwork Preparation & Client WMS
Training
Ongoing Money Management & Personalized Recommendations
Design & Implementation of Personalized Products &
Solutions
Revised 2/27/03
Kirsch & Associates
Our Firm & Mission
Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC
Revised 2/27/03
Revised 2/27/03
Revised 2/27/03
Revised 2/27/03
Revised 2/27/03
Money Management
(Growth Bucket)
(Fee Based Service)
Active Asset Class Rebalancing
Individual
Money
Managers
Managers
Of
Managers
Portfolios
Of
Individual
Stocks
and/or
Bonds
Portfolios
Of
Mutual
Funds
and/or
ETF’s
(Commission Based Products)
Products Without Active Rebalancing
Mutual
FundsAnnuities REITS
Individual
Stocks
&
Bonds
Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC
Revised 2/27/03
The Concierge Wealth Management Experience™ The TruWealth® Process PLUS:
• Discovery & Identification of Risk Profile
• Design & Implementation of Portfolio
• Rebalancing
• Ongoing Monitoring & Investment Changes
• Customer Service
Joy D. Kirsch is a registered representative of and securities, advisory services and financial planning are offered through LPL Financial. Member FINRA/SIPC
Revised 2/27/03
Retirement Cash Flow
GROWTH BUCKET
14+ Years of
Expenses &
Accumulation Goals
Money Management
MODERATE
GROWTH BUCKET
4-13 Years of
Expenses Money Management
INCOME BUCKET1-3 Years
of Expenses
Laddered securities
with principal
guarantees
GUARANTEED CASH FLOW - (Required Expenses)
Social SecurityEmployee & Personal pensions
Bank Account
Revised 2/27/03
Joy D. Kirsch is a registered representative of, and
offers securities, investment advisory, and financial planning services
through LPL Financial, A Registered Investment Advisor,
Member FINRA/SIPC
