Our services are designed to help connect your wealth to your goals.
YOUR GOALS
You have multiple goals - not just retirement - and each one deserves focused attention and thoughtful analysis. We help you build and implement a plan to achieve them all.
OUR SERVICES
Our role is to connect your wealth to your goals through comprehensive financial planning, investment management and tax strategy.
YOUR WEALTH
Your wealth is made up of your investment and future savings. We help you grow and align it through thoughtful planning.
Our approach to wealth management is goals-based, highly analytical, and customized to each client’s goals.
Walmart Deferred Compensation
Matching Plan (DCMP)
The Walmart DCMP is the most effective tool for Walmart Executives to minimize their lifetime tax expense. Executives in high tax brackets AND approaching retirement can benefit tremendously from a strategic approach to the Walmart DCMP.
Walmart 401(k)
The Walmart 401(k) is a robust plan that provides both Traditional and Roth accounts, a generous 6% employer match, and access to low-cost investment options.
Walmart
Stock Holdings
For many Walmart Executives, a substantial portion of wealth is tied to Walmart stock. While diversification is crucial, it is important to execute the process thoughtfully and in a tax-efficient manner.
Taxes
For Walmart Executives, taxes are the largest expense. Fortunately, there are tools available, such as the Walmart DCMP and 401(k) Plan, designed to minimize lifetime tax expenses.
Promotion to Officer
Upon promotion from Sr. Director, new Officers experience increased complexity in their personal finances. The three most notable changes involve higher taxes, expanded access to the Walmart DCMP, and more equity compensation.
Investment Strategy
Executives often have wealth spread across various accounts such as 401k, DCMP, IRA and Non-Qualifed Accounts. It is crucial to consolidate these accounts under a thoughtful and unified investment strategy.
Walmart Employee Benefits
Walmart provides an extensive benefits program. The pivotal decisions often revolve around selecting the optimal Health Plan, Long-Term Disability coverage, and Life Insurance options.
Management Incentive
Plan (MIP)
The MIP (Management Incentive Plan) is an annual short-term cash bonus that fluctuates depending on both company-wide and individual performance.
Walmart Equity
Compensation
Walmart Executives often receive increasing compensation in the form of Walmart Stock as their careers advance. Without a proactive strategy, these infrequent and substantial stock infusions can lead to highly concentrated stock positions and unexpected tax liabilities.
Gifting to Charity
For many Walmart Executives, charitable gifting is an essential component to their financial plan. An effective strategy involves donating highly appreciated stock, such as WMT shares, to a charitable organization or Donor Advised Fund.
Early Retirement
Similar to professional athletes, Walmart Executives build wealth over a relatively short period. It is crucial to maximize these peak earning years to ensure sufficient funds for a comfortable and extended retirement.
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Recent Posts
Case Study: Redefining Financial Success Based on Achieving YOUR Goals
See how Samantha, an Executive at a Fortune 100 Company, leveraged Goals-Based Planning to directly align her family's wealth to their family goals.
Samantha and her spouse are focused on achieving several financial goals, but with limited resources, they must prioritize their investments. The article highlights how they used Goals-Based Planning to balance their essential goals, like retirement, with more aspirational ones, such as building their legacy.
Learn More About Building Wealth from TFP
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Check out our extensive archive of articles covering how you can reduce taxes, invest wisely and build wealth within the World’s Largest Retailer.
We help busy corporate executives navigate the complexities of financial markets and the U.S. tax system on their journey to achieving their goals.
Our clients are focused on building successful careers and personal lives, leaving little time or energy for analyzing and researching important financial decisions. We believe that many of life’s most crucial financial choices occur during these wealth-building years, and the impact of these decisions—both good and bad—can ripple throughout the rest of their lives. That’s why our firm places such a strong emphasis on smart financial planning, including tax-reduction strategies, evidence-based investing, and data-driven retirement planning. We aim to ensure that every financial decision creates positive ripples that benefit our clients throughout their lives.