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The Financial Planning Process

One of our key strengths is the ability to provide clear, easily understood explanations of financial products and services. The personalized program that we provide is a road map allowing you to work toward a more secure financial future. 

We use a disciplined approach to understand the financial needs and goals of an individual, family or business. We begin by understanding the sources of income, income needs and any potential risk of income loss. We then review current investment strategies for risk, fees and performance to understand how these products support the needs and goals of the client. We produce a “Financial Snapshot” of the client’s current financial situation to be used during the retirement planning process.

Step 1: Initial Consultation. Identify client’s needs, goals, income and investments. Produce a “Financial Snapshot” model of the client’s existing financial situation.

Step 2: Financial Review. Validate and review client’s needs, goals, income and investments as defined by the “Financial Snapshot” model. Identify cost, risk, historical performance, potential strengths and weaknesses of existing investments.

Step 3: Plan Design. Provide solution/options to identified weaknesses. Show potential benefits of new “Financial Plan” model versus the existing “Financial Snapshot.”

Step 4: Implementation. Implement selected financial investments to work towards the goals identified by the “Financial Plan” model.

Step 5: Continuous Review. Provide quarterly/annual updates and reviews to ensure the needs and goals identified have not changed and the “Financial Plan” is still on track.

Income Planning

The professionals at GWM are your trusted retirement wealth advisors who specialize in retirement income planning. We understand that one of the most important components of a retirement plan is the need for income. Many retirees seek a retirement income that is reliable and predictable over a defined minimum period of time. There are many different types of strategies and financial vehicles available to make that happen.

We evaluate your current financial situation and develop an income plan to help meet your retirement transition needs as well as your retirement goals and help ensure your retirement assets are structured to support your income needs as defined in your Plan Design for living life in retirement the way that you want. 
To learn more about our income planning services or to schedule a free, no-obligation consultation, please call us 321-777-7447.

Estate Planning

Planning to properly protect, preserve, and pass along your estate to your heirs can be one of the most vital components of your overall financial well-being. Brian Groh can work with you and create a customized strategy to help meet your long-term goals and needs. Whether you are trying to reduce or even minimize the impact of taxes or simply make sure your heirs will receive what you originally planned, Brian can work with you to help ensure your objectives will be met.

IRA, 401(k), 403b, TSA, TSP, all qualified retirement plans
Many of you have the majority of your life savings in a qualified retirement plan. Some of you will need to take income from this account as soon as you are retired, while others will not want to take any income from this account until required according to IRS rules. In either case, the income taken from this account will be taxable as income. So, consideration needs to be given with regard to the potential tax liability that will be incurred from the income taken from this type of account.

Some of you may want to consider converting some of your IRA (qualified retirement) money to a Roth IRA, but careful consideration must be given due to the potential tax liability for all the dollars converted. Do the long term tax-deferred growth with qualified tax free distributions benefits outweigh the short term tax liabilities? We have strategies to help you determine if converting to a Roth IRA may be beneficial to you and your loved ones. Determining when (or if) you should convert to a Roth IRA is an individual decision based on factors such as your financial situation, age, tax bracket, current investments and alternate sources of retirement income. Your unique circumstances help determine what is right for you.

Finally, whether you have an IRA or Roth IRA, legacy planning we believe is an important strategy that will help secure the transfer of your hard-earned retirement savings to family, friends or charities upon your passing. We will show you how to leave a legacy to your children, grandchildren, and great-grandchildren, while potentially minimizing the tax impact.


There are many types of trusts available to accomplish the many facets of preserving the wealth for your loved ones. For example, you may need a Family Trust to protect your estate from the cost of probate or to double your estate tax exclusion rate. It is important to understand how and when a trust can be utilized in a financial plan to help protect and preserve the financial assets from excessive taxation. .

Life Insurance
Life insurance can be used to provide your family with the financial security they may need in the event of a tragic family loss where the monetary impact on the household or business can be devastating. Whether you are looking to give your family or business an immediate source of income or to reconcile your outstanding debt, Groh Wealth Management can assist you in adding a life insurance component to your financial plan.

Investment Planning

Investment planning encompasses many facets of money; one of the most critical being an understanding of how much of the investment portfolio will be used for income. Brian Groh will help you determine the proper asset allocation required to help meet the goals of your income plan, then work with you to define your financial objectives for the remainder of the portfolio and design an investment plan to work towards those objectives.

When designing an investment plan, you should consider risk tolerance and investment cost with respect to the wealth accumulation goal. We help you manage your money while reducing risk, and accumulate the funds you need to help meet your financial objectives. The longer you wait to implement a plan, the longer it will take to achieve your financial goals.

Risk Assessment

Understanding how your investments should be positioned to work towards your goals requires an assessment of risk as it relates to the potential for return on investment. We assess risk by measuring the amount of risk, cost of risk and the current yield of your investment portfolio. We then compare our findings using the market benchmark standards to measure the quality of your investment portfolio. The final result will be a determination on how to better position your portfolio using a proper asset allocation designed to help meet your financial needs and goals. As a reminder using asset allocation / diversification neither assures a profit nor guarantees against loss in a declining market.

Wealth Accumulation

Whether you are saving for a child’s college education, a second home or for retirement, Brian Groh can help you create and implement a wealth accumulation plan to help meet your financial goals for both the near and long term. Brian can create financial strategies specifically designed to work towards the goals you have defined. then actively manage the plan to help you stay on track and achieve success.