Total Alignment® Service Levels

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 Level I – Periodic Financial Reviews

The Total Alignment® Periodic Financial Review is our semiannual, comprehensive financial review service for individuals looking for financial organization and assistance in making informed financial decisions that will optimize their time and financial resources.  Periodic Financial Reviews provide the same starting Comprehensive Financial Review that all service offerings provide, but offer lowest level of intensity and cost by offering additional comprehensive reviews every six months instead of offering services on a more frequent basis.  The Periodic Financial Review is appropriate for those who require independent expertise in collecting, organizing and analyzing their financial situations from a comprehensive viewpoint, but who only require such service on a limited semiannual basis.  Initial needs for periodic financial reviews may be prompted by the occurrence of a life event, or more simply as an ongoing periodic service to review issues such as income tax minimization, college planning, business planning, matrimonial planning, investment allocation, or estate or retirement planning.  For these clients, our team will retrieve, review and synthesize all financial information and documentation – including insurance policies, tax returns, wills and trust agreements, employment benefits, investments and current and expected cash flows.  From there, various hypothetical scenarios will be constructed based on stated goals.  The end benefit enables clients to make informed financial decisions that will save them excessive costs and worry both now and in the future.  Typical and ideal clients for this service include those who are owners of small or mid-sized businesses, widows or widowers, divorcees, transitioning employees, same-sex couples, non-traditional and blended families, retirees and families who require independent and competent advice on a periodic basis.

 Level II – Personal CFO

The Total Alignment® Personal CFO is our annual service designed for individuals and families who require a more continuous frequency of service than the Periodic Financial Reviews provide.  As a discounted package of quarterly Periodic Financial Reviews, the Personal CFO service will offer the same single-source financial technology access as is provided in the Periodic Financial Review service, but with quarterly comprehensive reviews for an entire year.  The end benefit enables busy clients to make informed financial decisions that will not only save them excessive costs and worry in the future, but will also save them time currently through implementation assistance and monitoring. Typical and ideal clients for this platform include owners of small and mid-sized businesses, retirees, lawyers, corporate executives, doctors, widows and widowers, divorcees, investment bankers, equity analysts and others who require more frequency than semiannual Periodic Financial Reviews provide, but whose needs are not complex enough to warrant the day-to-day Private Family Office service.

 Level III – Private Family Office

The Total Alignment® Private Family Office is our service designed for ultra high net worth families who have the highest total wealth oversight needs and require specialized attention and coordination. These services include customized monthly overview reports, complex risk analytics and research, outside advisor due diligence, benchmarking and coordination, proactive document management, expense tracking and categorization, privacy enhancement measures, and 20-to-1 attention and oversight from a dedicated senior wealth advisor. The end benefit allows busy ultra high net worth individuals to make informed financial decisions that will save them time, excessive costs and worry on an ongoing basis. Through our independent “pure oversight” structure designed to avoid any competition with existing advisors already in place, our team is able to provide expert-level, unbiased oversight and total coordination and reporting services beyond what those traditional advisors provide.  The Private Family Office service also aggregates investment holdings and activity into a one consolidated report each month, which is provided alongside commentary from our senior wealth advisors.  In addition, our senior wealth advisors utilize our in-house proprietary Empoweris™ technology to reveal how one Private Family Office client’s fees, allocation and performance compares with other clients on the Private Family Office platform. The Private Family Office also includes certain private alternative investment reviews initiated by clients and the ability to place any, all or no assets with Total Alignment’s subsidiary, TA Capital, on a passive basis for no additional fees beyond what is paid for the Private Family Office platform.  Typical and ideal clients for the Private Family Office include owners of large and complex businesses, private equity and hedge fund managers, celebrities and professional athletes, managing partners of large law firms and c-level Fortune 500 corporate executives.

 Group Training & Executive Offerings

Total Alignment’s group services are dedicated to providing unbiased group training, independent analysis of executive compensation structures and Group Personal CFO executive packages. The end result provides executives with relief from time-burdening personal administrative matters, companies with a discounted retention incentive with independent executive compensation analysis and employees with unbiased financial training.

Total Alignment Wealth Advisors, LLC is an independent, fee-only financial planning and multi-family office wealth advisory firm. Total Alignment was founded by a group of clients to provide a fully transparent and unbiased family wealth advisor to perform services typically beyond the scope of services other advisors were providing. We are proud to be able to offer our multi-disciplined expertise, superior research, proactive diligence and unique client-centric structure to enable our clients to make informed financial decisions. Our comprehensive analysis, advanced financial planning technology, expert advisors, extensive network of resources, and informative “what if” hypothetical projections have reduced risks and excessive costs for our clients, in addition to saving them time on matters that they would otherwise have to manage themselves. We welcome an opportunity to learn more about your situation and whether Total Alignment would be a fit for you. We can be reached by e-mail at inquiries@totalalignmentwealth.com or by phone at 212-913-9110.