Wealth management services encompass more than just investing. PLAN IT by Wendell Charles is a financial planning process that guides our clients through improving their financial lives step by step.

1. PLAN IT Overview
Integrated planning
to simplify your
financial life.

2. WHAT IS FINANCIAL PLANNING?
“A formal process for improving your financial life.”
1. Organize accounts
2. Map out goals
3. Establish strategy
4. Implement plan

3. WHY IS FINANCIAL PLANNING IMPORTANT?
“Our goals can only be reached through a vehicle of a plan in which we must
fervently believe, and upon which we must vigorously act. There is no other
route to success. ” – Pablo Picasso
• Protect your family
• Create your future
• Financial freedom
• Joy of giving

4. WHY WORK WITH US?
“Professional advice can be expensive, but bad advice will
cost you a fortune.” - Wendell Charles Kirkpatrick
OUR STORY: Evan’s grandfather, Wendell Charles Kirkpatrick, was a 40+ year
physician, real estate investor, and stock market enthusiast. Wendell sold a highly
appreciated property and placed it into a charitable remainder trust when Evan
was a teenager. That sparked the idea for WCF, a company that could help people
maximize their wealth and use it for good.
600+
CLIENT ACCOUNTS: LICENSED IN: PASSIONATE ABOUT:
13 Client Service
Technology
Investment Markets
states

5. Financial Planning areas we can help you with…
PERSONAL FINANCE:
• Budget review for savings/spending
percentages
• Credit score review and improvement
• Debt reduction and consolidation
WORKPLACE BENEFITS REVIEW:
• Group retirement review (401(k),
403(b), 457)
• Group benefits review (life,
disability, etc)
INSURANCE:
• Personal risk & insurance review
• Life, disability, long term care,
umbrella
• Philanthropy & charitable giving
strategies
PROFESSIONAL TEAM ASSEMBLY:
• Estate planning attorney
• CPA
• Realtor
• Mortgage broker
MAJOR PURCHASE & SAVINGS:
• College savings
• Real estate purchase plan
• Business buy/sell/start
RETIREMENT PLANNING:
• Household balance sheet creation
• Health specific savings
• Investment market consulting
• Social security & Medicare
TAX STRATEGIES
• Deferred compensation
• Cash balance retirement plans
• Tax-loss harvesting
• Long vs. short-term capital gains
PHILANTHROPY & GIVING
• Donor advised funds
• Private foundations
• Charitable remainder trusts
REAL ESTATE
• Buy/sell evaluation
• Calculating net rental property
income
• Mortgage review & refinance

6. ORGANIZE ACCOUNTS
• Share files & financial
data
• Create balance sheet &
net worth statement
• Review existing accounts
• Review total household
assets
• Determine status
• on-track
• ahead
• behind
Let’s start by evaluating exactly where you are today.

7. MAP OUT GOALS
Decide what you want life to look like in the future.
• Career and income goals
• Immediate lifestyle upgrades
• Retirement lifestyle
• Major purchase wish list
• Vacations & entertainment
• Education for children
• Set retirement age
or dollar amount

8. ESTABLISH STRATEGY
Your plan will focus on hitting
targets, not restrictive latte-less
budgets.
• New account recommendations
• Prioritize account funding order
based on goals
• Personal savings rate percentage
• Automate contributions
• Asset buy/sell recommendations
• Custom action items

9. IMPLEMENTATION
We will guide you through a ‘To-Do’ list of tasks to ensure your
new financial plan is fully implemented.
• Open new accounts if
applicable
• Professional introductions
• View tasks through
your online dashboard
• Get notified when we
complete tasks on
your behalf
• Stay accountable to
your commitments

10. ONBOARDING PROCESS
Asset Map
Financial planning begins with a digital questionnaire that helps us create
your Asset Map; a visual representation of your household finances.

11. ONBOARDING PROCESS
We start by learning about your current situation:

12. We want to truly understand what is important to you:
ONBOARDING PROCESS

13. ONBOARDING PROCESS
ONLINE ACCESS: Wealth Vision

14. ONBOARDING PROCESS
ONLINE ACCESS: Wealth Vision

15. SERVICES:
Legal & Risk Review
• Will & last testament
• Living trust
• Health directive
• Digital asset plan for
passwords and
online accounts
• Power of attorney (POA) if
necessary
LEGAL Review:
We assess your risks and coordinate with professional attorneys to draft
your legal documents (additional fees apply).

16. SERVICES:
Legal & Risk Review
• Assess current insurance
contracts
• Determine coverage needs
based on Wealth Effect
• Analyze up to 30 insurance
carriers for best pricing options
• Implement new policies if
applicable
RISK Review:
We a run life, disability, and long-term care gap analysis to
determine if you are adequately insured for potential risks.

17. SERVICES:
• Assess current insurance
contracts
• Determine coverage needs
based on Wealth Effect
• Analyze up to 30 insurance
carriers for best pricing options
• Implement new policies if
applicable
RISK Review:
We a run life, disability, and long-term care gap analysis to
determine if you are adequately insured for potential risks.
Legal & Risk Review

18. SERVICES:
WORKPLACE BENEFITS ASSESSMENT
• Health insurance coverage
• Health savings such as HSA,
HRA, FSA
• Group life and disability coverage
• 401(k) and investment options
• ID Theft
• Legal
• Dental
• Vision
Let's make sure your hard work pays off!
We recently reviewed a Fortune 500 benefits guide for a client that
was 440 pages long. That's a lot to review!

19. SERVICES:
WORKPLACE BENEFITS ASSESSMENT
• Health insurance coverage
• Health savings such as HSA,
HRA, FSA
• Group life and disability coverage
• 401(k) and investment options
• ID Theft
• Legal
• Dental
• Vision
Let's make sure your hard work pays off!
Initial group retirement plan review is included in your subscription.

20. SERVICES:
TAX REDUCTION STRATEGIES
• Review current tax returns & rates
• Tax advantaged retirement savings
• Short vs. long term capital gains for
Non-Retirement or trust accounts
• Options for reducing taxes now
or in the future
• Options for business owners
(deferred comp, profit sharing, etc)
How to (legally) keep more of your hard-earned money.

21. SERVICES:
REAL ESTATE AND INCOME PROPERTY EVALUATION
• Annual property operating data
(APOD) evaluation
• Determine net income from
investment properties
• Discuss 1031 exchange pros and
cons
• Access our network of real estate
professionals: agents, mortgage
brokers, contractors, etc.
• Mortgage refinance evaluation
Evaluate important real estate decisions with our guidance.

22. SERVICES:
SOCIAL SECURITY AND MEDICARE BENEFIT EVALUATION
• Access our ‘Social Security Optimizer’
• Determine optimal age to file
• Maximize lifetime benefits
• Medicare decisions and resources
• Understand Medicare costs,
components, and supplement options.
You paid into the system, now let’s maximize your benefits.

23. SERVICES:
SAVINGS AND CONTRIBUTION PLANNING
• Set percentage based savings rate and
monitor savings progress
• Tax-advantaged retirement accounts
• Automate contributions at any interval
• Major purchase savings plan such for
real estate, vehicles, & vacations
• Disaster fund savings and cash
management
• Saving for starting a business
Develop custom savings targets for your specific situation.

24. SERVICES:
Retirement Projections
• Set your retirement age
• Determine desired annual income in
retirement
• Analyze probability of success
• Evaluate minimum and maximum
spending plan
• Run multiple ‘what-if’ scenarios including
market corrections or major health event
• Take action if the outcome is not as
desired
Are you on track, ahead, or behind of your retirement goal?

25. SERVICES:
Second Opinion Service for Outside Accounts
• Reviews & advice for outside
accounts
• Detailed analysis of performance and
allocation
• Education surrounding funds you’re
currently invested in
• ‘Rollover’ option review for prior
company workplace retirement
accounts
We will review your outside accounts and provide a detailed report.

26. SERVICES:
PHILANTHROPY & GIVING
• What causes or organizations do you
care about?
• Do you want to pass a certain amount
of money on
to family members?
• Short vs. Long term Giving Strategies
• Donor advised funds vs. private
foundation
• Charitable remainder trusts
Create exponential impact through giving strategies.

27. Pricing

28. HOW TO GET STARTED
SCHEDULE
Discovery CALL
SHARE
FILES
DIGITAL
ONBOARDING
AGREEMENT
VIA DOCUSIGN
PAY ONLINE VIA ADVICE PAY
(ACH, Debit, or Credit)

29. QUESTIONS?
Evan Kirkpatrick
evan@wendellcharles.com
(323) 410-1209