HIGHVIEW^℠ Financial Planning and Investment Advisory Services

At Highview Wealth, financial plans and investment advice are based on analysis of information received from the client. After identifying the client’s resources, needs and goals, and after then considering input from its network of specialists, Highview Wealth can recommend a financial plan and investment portfolio to the client. Of course, every financial plan and investment portfolio must be reviewed and monitored regularly to adapt to changing client circumstances and market conditions.

Through its affiliation with Virtue Capital Management, LLC, Highview Wealth offers investment portfolios featuring a wide range of investment styles, from conservative to aggressive, growth or income, active or passive, fundamental or tactical, and combinations of these. In addition, clients benefit from deep knowledge of asset protection techniques and insurance and annuity products.

Because the mix of age, assets, needs and goals of every individual (and family) is different, however, this financial planning section of the website does not attempt to give you, the reader, an A-Z formula for managing and investing your money in the markets. Instead, this section suggests a general approach for minimizing risk in wealth building and wealth preservation, and it introduces some ideas to consider when developing and implementing a financial plan.

Investment goals

One solid investing approach is “take the least amount of risk to reach your financial goals.” (It sounds safe and simple, but few take this approach.)

What are your investment goals?  Even better, have you sat down with someone to identify your goals and lay out your investment strategy?  Most people have not.  Most people simply put their money in the stock market and hope they choose the right stocks in their E-Trade and 401(k)/IRA accounts or hope their “money manager” is doing a good job for them.

How have you done with your investment portfolio over the last 5, 10, 20 years?

Would you have been happy over the last 10-20 years with a 6-8% guaranteed rate of return on an accumulated value that could be used to pay you a guaranteed lifetime income you could never outlive?  Most people would say yes. If you are interested in learning how to grow wealth in this guaranteed manner, please click here.

No downside risk and tax-free growth and withdrawals

If you had money in the stock market over the past 20+ years, chances are good it went backward 46% in years 2000-2002, 59% in years 2007-2009, and 30% in 2020 (albeit briefly).

Highview Wealth specializes in wealth-building tools that mitigate or eliminate risk and allow your money to grow tax-free and be distributed tax-free when you are ready for retirement.  To learn how you can grow wealth with the least amount of risk and in a tax-free manner, please click here.

Retiring Without Risk

Retiring Without Risk is a book written by Roccy DeFrancesco, JD, which discusses the benefits of life insurance and annuities in retirement planning and compares them to traditional investment vehicles. In addition to educational content he graciously contributed to this site, he has allowed our web surfers to download one chapter from his book for free.

If you would like to learn more about Retiring Without Risk (incl. downloading a chapter from the book for free), please click here.

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