What is overall wealth-management and do you need it?
Overall wealth-management is a coordinated method to run your financial life in order for your choices to match your priorities. It links spending, saving, investing and taxes with one plan with transparent actions.
What problems does this service solve?
Overall wealth-management fixes the “everything is separate” problem by putting your money decisions into a single frame. It turns scattered accounts & deadlines and targets into an action list. Good reasons to look at it now:
- You hold multiple accounts & can’t tell if they work together
- A major change is coming — new job, move, family growth
- You want decisions that stay tax-aware — not tax-blind
What does a CFP review first?
A CFP starts with your targets, cash flow and comfort level with risk. Early questions generally cover income items & spending, debts, retirement accounts, dependents, insurance and any estate documents you already have.
This is also where CFP services set expectations for communication and decision-making as well as what “success” looks like for you.
How is this distinct from investment management by itself?
Investment management focuses on how a portfolio is built & maintained. This service adds the rest of the financial life — so the portfolio supports real-world needs.
| Topic | Portfolio-only focus | Full-picture planning |
|---|---|---|
| Goal | Build and monitor a portfolio | Align money choices with life goals |
| Inputs | Risk level, time horizon, holdings | Goals, cash flow, taxes, benefits, protection, legacy |
| Output | Allocation & rebalancing plan | Priorities, timelines and responsibilities |
What does “holistic wealth management” mean in plain English?
Holistic wealth management signifies that the plan treats taxes and investments along with lifestyle choices as connected. The point is to lower friction so decisions feel simpler & more consistent.
What does a tax-first view add?
A tax-first view adds tax-efficient wealth planning, which means thinking about taxes before you move money. In overall wealth-management, that generally comes down to timing and account choice & clean records. Tax-aware choices can be presented as below:
- Timing charitable gifts to comply with your deduction approach
- Reviewing capital gain exposure before selling a concentrated position
- Aligning withholding & estimated payments to lower penalty amounts
What happens after the first conversation?
After the first conversation — the work moves in a transparent sequence:
- Discovery — confirming goals and constraints as well as near-term priorities
- Snapshot — mapping accounts & income streams, debts and coverage
- Plan — choosing actions, setting deadlines and modeling trade-offs
- Implementation support — coordinating with your tax filing & key account actions
- Reviews — updating after life events or law changes or major market shifts
What should I bring to the first meeting?
A proper, short list is enough as given below:
- Latest tax return(s)
- Account statements — retirement, brokerage, bank
- Debt balances & interest rates
- Insurance declarations
- Any wills or trust documents — if available
Helium Day Tax & CPAs: Talk through your priorities
If you want overall wealth-management that remains grounded in real tax rules and real life, reach out to our CFP professionals. Our team stands ready to share a simple checklist for the initial meeting.
This page covers a single service only. For the other CFP services, you can visit the below pages:
FAQs
How much does overall wealth-management cost?
Our fees start at $480/hour; the final fee changes in line with how many accounts & decisions you want covered.
How often should I check in for CFP services once the plan is set?
Quarterly or semiannual reviews work well — with extra check-ins after a major life change.
Is holistic wealth management only for high-net-worth households?
No. If you want your cash flow & accounts and tax choices working together – it’s a fit.
Can this cover investment management decisions without replacing my current advisor?
Yes. We can fully align the plan with your existing investment management approach and take tax-efficient wealth planning into consideration.
Can we meet online for this service?
Definitely. Sessions may be held over video — and document sharing is handled securely.