{"id":3124,"date":"2019-07-02T16:00:19","date_gmt":"2019-07-02T16:00:19","guid":{"rendered":"https:\/\/fusionwm.com\/?p=3124"},"modified":"2022-09-23T15:31:48","modified_gmt":"2022-09-23T15:31:48","slug":"is-it-time-to-stress-test-your-wealth-plan","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/is-it-time-to-stress-test-your-wealth-plan\/","title":{"rendered":"Is It Time to Stress Test Your Wealth Plan?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"376\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2019\/07\/Screen-Shot-2022-09-02-at-10.01.09-AM-1024x376.png\" alt=\"Is It Time to Stress Test Your Wealth Plan?\" class=\"wp-image-3125\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2019\/07\/Screen-Shot-2022-09-02-at-10.01.09-AM-1024x376.png 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2019\/07\/Screen-Shot-2022-09-02-at-10.01.09-AM-300x110.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2019\/07\/Screen-Shot-2022-09-02-at-10.01.09-AM-768x282.png 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2019\/07\/Screen-Shot-2022-09-02-at-10.01.09-AM-1536x564.png 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2019\/07\/Screen-Shot-2022-09-02-at-10.01.09-AM.png 1848w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>One of the best plays to take from the financial playbook of the Super Rich\u2014those with a net worth of $500 million or more\u2014is to work with professionals to help manage your financial and lifestyle concerns.&nbsp;<\/p>\n\n\n\n<p>But as the Super Rich know, you can\u2019t stop there. Just as former-President Reagan urged a \u201ctrust but verify\u201d approach regarding a nuclear missile treaty in the 1980s, we also need to regularly assess whether the financial advice we get\u2014and the financial solutions we rely on\u2014are truly up to snuff. We have seen that many of the Super Rich take this step. It&#8217;s something you might consider, too.<\/p>\n\n\n\n<p>The reason: Despite your best efforts, it\u2019s possible to mistakenly end up working with a type of financial professional we call Pretenders\u2014professionals who want to do a great job, but who just don\u2019t have the skills or resources to make it happen. Even worse, you might cross paths with an Exploiter (someone who offers highly aggressive solutions that push the envelope of legitimacy) or even a Predator who wants to steal your assets.<br>That\u2019s where a technique known as <strong><em>stress testing<\/em><\/strong> can make a big difference.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">From piecemeal to comprehensive<\/h1>\n\n\n\n<p>A stress test can help you see whether the wealth management solutions you are using are not only in alignment with your goals and objectives, but are also appropriately state of the art. Stress testing is a systematic way to determine how the wealth management solutions you have are likely to hold up under different scenarios\u2014and ultimately deliver the results you expect.<\/p>\n\n\n\n<p>The rationale for stress testing by the Super Rich is twofold (see Exhibit 1):<\/p>\n\n\n\n<ul><li>To avoid potentially economic and legal destructive situations<\/li><li>To ensure you are benefiting from all possible opportunities<\/li><\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.05.23-AM.png\" alt=\"\" class=\"wp-image-3128\" width=\"723\" height=\"359\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.05.23-AM.png 964w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.05.23-AM-300x149.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.05.23-AM-768x381.png 768w\" sizes=\"(max-width: 723px) 100vw, 723px\" \/><\/figure><\/div>\n\n\n<p>One big reason why wealth planning efforts may possibly be in need of fixing or fine-tuning is because, based on our experience, some investors\u2014including both the Super Rich and the \u201cmerely affluent\u201d\u2014do piecemeal planning. The result is there\u2019s little to no coordination between the various professionals helping them, and little to no coordination between the various financial solutions or strategies they implement. Because of the fragmented and disjointed nature of how a plan may have been developed, it isn\u2019t set up for potential success nearly as well as it could be.<\/p>\n\n\n\n<p>Stress testing allows individuals and families to look at their situation holistically to see whether their goals and objectives are being addressed and they are using the most appropriate, cost-effective and up-to-date wealth management solutions.<\/p>\n\n\n\n<p>Not surprisingly, we see stress testing being used by many of the Super Rich\u2014especially those with truly significant wealth who have family offices. But it\u2019s also an approach taken by some \u201cmerely wealthy\u201d investors who want to boost the probability that they\u2019re using the best wealth management solutions for their particular situations. The overall trend of democratization in financial services\u2014which has brought once-exclusive solutions to more investors\u2014is also bringing stress testing to a bigger audience.<\/p>\n\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">The key to stress testing<\/h1>\n\n\n\n<p>There are many wealth planners who can skillfully address the technical aspects that stress testing involves. They might, for example, critically evaluate a family\u2019s estate plan to hunt for any operational errors and\/or identify more appropriate and more cost-effective strategies. They might also determine whether there are synergies between the various types of wealth solutions the family uses\u2014and if there aren\u2019t, how such benefits could be created.<\/p>\n\n\n\n<p>All that said, technical proficiencies will not get you the results you are looking for.<\/p>\n\n\n\n<p>The real key to effective stress testing is <em>profiling<\/em>. To decide whether the wealth management solutions you have are viable\u2014and the very best for you\u2014you must understand exactly what you are trying to achieve. That means asking questions such as:<\/p>\n\n\n\n<ul><li>What are your specific goals and objectives?&nbsp;<\/li><li>What are you seeking to attain?&nbsp;<\/li><li>What problems are you looking to solve?&nbsp;<\/li><li>What opportunities are you seeking to benefit from?&nbsp;<\/li><\/ul>\n\n\n\n<p>Answers to these (and related) questions should be the driving force behind stress testing, because stress testing is never simply about legal strategies or financial products\u2014it is about you and what is important to you. Without sensitivity and responsiveness to this human element, stress testing loses its power and value.<\/p>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">The difference between stress testing for the Super Rich and for those less wealthy<\/h1>\n\n\n\n<p>Just like their wealthier peers, many affluent individuals and families who aren&#8217;t (yet) at the Super Rich level want to make sure mistakes aren\u2019t being made and that they\u2019re not missing out on opportunities.&nbsp;<\/p>\n\n\n\n<p>However, in our direct experience working with both Super Rich families and with less-wealthy families as advisors and consultants, we have often seen a difference between stress testing with these two groups.&nbsp; In stress testing the wealth management solutions of the Super Rich, there are likely to be fewer errors or opportunities for improvement compared with those for the less wealthy (see Exhibit 2).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.06.55-AM.png\" alt=\"\" class=\"wp-image-3129\" width=\"410\" height=\"237\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.06.55-AM.png 820w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.06.55-AM-300x173.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/09\/Screen-Shot-2022-09-02-at-10.06.55-AM-768x444.png 768w\" sizes=\"(max-width: 410px) 100vw, 410px\" \/><\/figure><\/div>\n\n\n<p>The difference essentially boils down to the caliber of wealth management professionals engaged by many Super Rich families. These professionals tend to be more diligent about their clients\u2019 matters. One caveat: When problems <em>are<\/em> found among the Super Rich\u2019s solutions, they may be quite severe due to the amount of money involved and the level of complexity of the solution.<\/p>\n\n\n\n<p><strong>Example: <\/strong>In stress testing the estate plan of a multibillionaire, it\u2019s determined that because of the significant changes in family dynamics and needs that have occurred between the time when the estate plan was signed and today, the likely outcome after his death would be an all-out war among his children. That conflict would probably be the death knell of the 200-plus-year-old family business. By thinking through the situation with an intense focus on the human element, a new estate plan and well-structured succession and asset protection plans were designed.&nbsp;<\/p>\n\n\n\n<p>When the relatively less wealthy stress test their wealth management solutions, more errors and missed opportunities tend to crop up. One possible reason: This group is more likely to be working with Pretenders who, despite their great intentions, don\u2019t have the expertise and ability to dot every \u201ci\u201d and cross every \u201ct.\u201d<\/p>\n\n\n\n<p><strong>Example:<\/strong> Most \u201cmerely affluent\u201d families do not have a large enough umbrella policy, which can set the stage for a very costly and emotionally draining outcome. This is an issue that is easy and usually inexpensive to correct. Similarly, we see that business owners who do stress tests commonly find they have life insurance that is poorly structured and therefore isn\u2019t set up to mitigate risk as well as they assumed.&nbsp;<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">The right time<\/h1>\n\n\n\n<p>When is the right time to consider a stress test on your finances? Bottom line: Whenever you are not 100 percent sure you are using the best available wealth management solutions\u2014and, as a result, you are concerned that:<\/p>\n\n\n\n<ul><li>There may be errors in your wealth plan.<\/li><li>There may be opportunities to improve your situation that are currently missing from your plan.<\/li><\/ul>\n\n\n\n<p>By stress testing your plan or specific aspects of it, you can potentially confirm that you are on target\u2014or identify corrections that will put you on the right track toward the end results you most want to achieve.<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\"><strong><br><\/strong>Taking the next step<\/h1>\n\n\n\n<p>Discuss your wealth plan and solutions with your advisor to ensure they remain set up to accomplish your goals<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the best plays to take from the financial playbook of the Super Rich\u2014those with a net worth of $500 million or more\u2014is to work with professionals to help manage your financial and lifestyle concerns.&nbsp; But as the Super Rich know, you can\u2019t stop there. Just as former-President Reagan urged a \u201ctrust but verify\u201d [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":3722,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is It Time to Stress Test Your Wealth Plan? - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/is-it-time-to-stress-test-your-wealth-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is It Time to Stress Test Your Wealth Plan? - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"One of the best plays to take from the financial playbook of the Super Rich\u2014those with a net worth of $500 million or more\u2014is to work with professionals to help manage your financial and lifestyle concerns.&nbsp; But as the Super Rich know, you can\u2019t stop there. 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