THE MERGENT ADVISORS PLANNING PROCESS
One Financial Life.
One Coordinated Plan.
OnePlan™ brings cash flow, investments, taxes, insurance, estate planning, college, business, and major life transitions into one strategy—so every decision has a place and every recommendation can be evaluated in context.
THE COORDINATION GAP
A Product Problem vs.
A Coordination Problem.
The investment advisor may not know what the CPA is recommending. The insurance strategy may not reflect the estate documents. College costs may be evaluated separately from the parents’ financial independence. A business owner may have substantial value on paper but little personal liquidity.
OnePlan™ is designed to bring those moving parts into one clear view, identify gaps and blind spots, and help the client make decisions in the right order.
What OnePlan™
Coordinates
Cash flow
Investment strategy
Tax-aware planning
Insurance
Estate-planning
College funding
Business transition
Career changes
Implementation
THE MERGENT ADVISORS PLANNING PROCESS
The Three-Stage
Roadmap
STAGE 1
Readiness Snapshot
Before we recommend changes, we define the life the plan needs to support and organize the resources already available.
01 Lifestyle Paycheck
02 Current Position
Estimate the monthly income required for essential expenses, healthcare, travel, family priorities, and flexibility.
Bring income, savings, investments, benefits, debt, insurance, business interests, and cash flow into one view.
03 Readiness Gap
Identify the distance between today’s resources and the desired work-optional future.
STAGE 2
Work-Optional Strategy
Next, we design how the future could work and test the risks that can make a promising projection fail in real life.
04 Income Design
Coordinate potential income from taxable investments, retirement accounts, Social Security, pensions, real estate, business income, or meaningful part-time work.
05 Risk Protection
Evaluate market timing, sequence of returns, inflation, taxes, healthcare, longevity, disability, emergencies, and changing spending needs.
06 Work-Optional Date
Project a realistic transition date based on the desired paycheck, current assumptions, available resources, and agreed planning changes.
STAGE 3
Confident Transition
A plan becomes valuable when the right actions are implemented and reviewed over time.
07 Priority Moves
Identify the few changes most likely to improve the client’s position first.
08 Transition Plan
Coordinate investments, taxes, insurance, estate planning, benefits, cash flow, and career timing into one implementation strategy.
09 Progress Review
Measure progress and adapt the strategy as markets, costs, health, family needs, and personal goals change.
The Difference
Beyond Just a Number
The goal is creating a dependable, flexible paycheck that can support the life you want without requiring you to keep working.
OnePlan™ is not built around chasing the highest projected return. It is designed to help answer three practical questions:
- What monthly paycheck will our life require?
- When might work become optional?
- What needs to happen between now and then?
YOUR NEXT STEP
See How OnePlan™ Applies
to the Decision in Front of You.
Mergent Advisors provides comprehensive, coordinated financial planning and wealth management for professionals, business owners, and their families.
Quick Links
Legal & Compliance
Contact
[email protected]
1-866-509-8866
Dallas TX:
7701 Lemmon Ave
Dallas TX 75209
Stillwater MN:
310 1/2 Main St S
Stillwater MN 55082
Mergent Advisors, LLC provides financial education, planning support, and insurance-related services. Investment-adviser referral and promotional services are offered through Mergent Wealth, LLC, a Texas-registered investment adviser that does not manage portfolios or exercise investment discretion. Mergent Wealth may receive referral compensation, and Mergent Advisors owns a 4% minority interest in Mergent Wealth, creating financial incentives and potential conflicts of interest. Insurance professionals may also receive commissions. Investing involves risk, including possible loss of principal. Registration does not imply a particular level of skill or training. Please review our Important Disclosures and Mergent Wealth’s Form ADV.
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