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SC&A Planning

Wealth Building Cornerstones (WBC)

Watch this video for a quick overview: The Retirement Savings Dilemma

Did you know you may be able to increase your income in retirement by 30 percent to 50 percent — without saving any more money?

Wealth Building Cornerstones, also called WBC, offers individuals and families a simple, easy-to-understand and powerful system to help maximize their money, build wealth and protect it.

Whether you’re working with pre-retirees or retirees, the WBC approach begins with the purpose in mind. Think of it like this: An engineer can’t begin to design a building without first knowing what the project should look like at the end. A surgeon doesn’t go into surgery without having a clear understanding of the ideal outcome. This very same concept applies to personal finance.

Suppose you asked typical pre-retirees on the street why they’re saving money long term. Many would simply say, “for retirement.” But if you followed up with, “That’s great. Can you tell me how retirement income streams work?” Very few could give you a good answer.

The real reason people save money, and how retirement income streams work, define how retirement savings should be allocated efficiently in the pre-retirement years. With the WBC system, we help pre-retirees understand how retirement income streams work so they can efficiently allocate their retirement savings in pre-retirement. The “begin-with-the purpose-in-mind” approach is imperative – yet many people haven’t had the opportunity to consider their retirement from this perspective.

General Planning

Why is it that most Americans fail to plan for the future? Many surveys have concluded that it comes down to one word...procrastination.

If that were really the case, people would eventually get it done out of necessity like their taxes.

So why don’t we plan for the future? The reality is that it’s too complex a puzzle for most to solve on their own. Many people are unsure as to where to even start.

Consider these 6 typical goals:

  • Maintaining current lifestyle
  • Debt reduction
  • Saving for college
  • Purchasing a new home or vacation home
  • Protecting your family or business
  • Retirement

Think of each goal as the side of a puzzle. The goal is to get the colors on each side to match but rarely are more than 2 sides solved, and it’s at the expense of the other 4 sides.

For instance, let’s assume that you’re already saving for your children’s college, and fully contribute to your retirement plan at work. You might end up putting everything else on hold because you don’t want to change your current lifestyle.

A flexible, efficient, well executed strategy allows us to solve all six sides at once without disrupting the most important side, our current lifestyle.

SC&A is a team of professionals that include a financial planner, a money manager, an insurance professional and two CPAs. We’ll help you develop an efficient solution to the 6 sides of your puzzle.

For more information about our firm and the services we offer, fill out the form below.
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