The Freedom FORMula
Your Proprietary Path to Comprehensive Wealth Planning
Wealth planning is a personalized, ongoing process designed to align your financial targets with a tailored strategy. At Freedom Wealth Planning, we don’t believe in one-size-fits-all solutions. Your life is unique. Your financial puzzle is unique. Your plan should be too.
That’s why we developed the Freedom FORMula—a proprietary, seven-point wealth planning process that integrates investment management, risk management, tax planning, income planning, estate planning, philanthropic giving, and insurance solutions
This is not a product pitch. This is a philosophy: panoramic planning that coordinates every dimension of your financial life so you can confidently pursue your day of freedom.
Why It Matters
Why Panoramic Planning Matters
Most financial advice is siloed. Your investment advisor manages your portfolio. Your CPA handles taxes. Your insurance agent sells policies. Your attorney drafts documents. Meanwhile, no one is connecting the dots.
This fragmentation costs you money, creates tax inefficiency, and leaves gaps in your risk management.
The Freedom FORMula solves this by bringing all seven areas into coordinated conversation. When your investment strategy aligns with your tax plan, which aligns with your estate plan, which aligns with your income needs—that’s when real wealth planning happens. That’s when you move from “managing money” to “building freedom.”
We have developed and refined a proprietary process called the Freedom FORMula. This process integrates wealth management with risk and debt management, tax planning, and philanthropy. Our goal is to take all the pieces of your financial puzzle and put them in place.
How the FORMula works
The Freedom FORMula is built on a simple truth: your financial plan should serve
your life, not the other way around.
What drives your decisions?
Family
What does your family look like today and in the future? What do you want to provide, protect, and pass on?
Occupation
What role does your career or business play in your life? Are you building, transitioning, or stepping away?
Recreation
What do you love to do? How do you want to spend your time, energy, and resources in the years ahead?
How do your resources serve that purpose?
Money
Money is the tool — not the goal. Once we understand your WHY, we organize your finances to support the life you have described.
The Three Phases
The Three Phases of the Freedom FORMula
Discover
Understand your targets and missions
Our process begins with a deep discovery conversation focused on uncovering your priorities, values, and long-term vision. We seek to understand what you want to achieve, what matters most to you, and the underlying purpose driving your financial targets.
This isn’t a checkbox exercise. During discovery, we explore:
• Your definition of freedom: What does your day of freedom look like? What do you want to do with your time, energy, and resources?
• Your values and legacy: Beyond wealth accumulation, what impact do you want to have? How do you want to be remembered?
• Your life circumstances: Income sources, current assets, liabilities, family dynamics, business interests, philanthropy plans, and major upcoming life transitions.
• Your risk tolerance: Not just investment risk, but all-encompassing risk—market volatility, longevity, health, liability, business disruption, and estate complexity.
We collect detailed information to understand your unique circumstances. <!– [CA] –> From this foundation, we can build a plan that actually reflects who you are and what you want—not what someone else wants for you.
Design
Create your integrated strategy
With a clear understanding of your objectives, we identify solutions ranging from foundational to advanced that best align with your needs and aspirations. We are not here to sell products; we are here to serve your best interest…
WE ARE FIDUCIARIES.
In the Design phase, we synthesize what we learned during Discovery into a comprehensive strategy that addresses all seven areas of the Freedom FORMula:
• How your investments are positioned to fund your targets
• How risk is distributed across insurance, asset structure, and diversification
• How your tax situation is optimized across income, investments, estate, and gifting strategies
• How your income needs are met through coordinated withdrawal planning
• How your estate passes efficiently to heirs, charities, or both
• How insurance fills protection gaps without overlap
The goal is to help you implement a plan with multiple strategies to reduce risk for all possible outcomes, without apprehension. There is no ‘one-size-fits-all’ solution when it comes to planning for your future.
This is where your advisory relationship becomes personal. We show you options. We explain trade-offs. We align our recommendations with your priorities, not our product offerings.
Deploy
Execute and evolve
We implement your plan through coordinated execution of our agreed upon strategies. Our team provides continuous oversight and proactively manages updates and refinements as your life and targets evolve. The result is a lasting advisory relationship built on responsiveness, trust, and long-term alignment.
Deployment isn’t a one-time event. It’s the beginning of an ongoing partnership where we:
• Execute agreed-upon strategies across all seven planning areas
• Coordinate with your CPA and Attorney to ensure integrated implementation
• Monitor progress toward your targets and missions
• Adjust for life changes, market conditions, and evolving priorities
• Proactively identify opportunities to enhance your plan
• Hold you accountable and celebrate milestones along the way
Complete Planning Framework
The Seven Stars: Your Complete Planning Framework
The Freedom FORMula’s seven focus areas ensure that no dimension of your financial life is overlooked. Each area is essential. Each area connects to the others.
Investment Management
Strategic investment management is the engine of wealth building. Your portfolio should be structured to generate the returns necessary to fund your targets while remaining aligned with your risk tolerance, time horizon, and overall financial strategy.
We employ a disciplined, evidence-based approach to portfolio construction that considers asset allocation, diversification, cost efficiency, and tax-loss harvesting. Your investments are never isolated from your tax plan, income needs, or estate goals—they're integrated into your complete strategy.
Risk Management and Risk Assessment
Risk management is about ensuring that a single adverse event doesn't derail your plan. This includes investment risk, but extends far beyond it: business risk, health risk, disability risk, liability risk, and longevity risk.
Through risk assessment, we identify your vulnerabilities and design protection strategies. These may include insurance solutions (life, disability, property, liability, umbrella coverage), asset structure optimization, emergency reserves, and diversification. The goal is confidence that you're prepared for all possible outcomes.
Tax Strategy and Tax Planning
Tax-efficient planning can be the difference between accumulating substantial wealth and seeing a significant portion eroded to unnecessary taxes.
Working closely with your CPA, we integrate tax strategy across every area of the Freedom FORMula. This includes investment tax efficiency, income timing and sources, strategic charitable giving, entity structure optimization, and estate tax minimization. Tax planning isn't a once-a-year event—it's woven into every major financial decision.
Income Planning
Income planning addresses the critical question: How will your financial targets and day-of-freedom be funded?
For those nearing or in their freedom years, income planning includes coordinated withdrawal strategies that optimize Social Security claiming, manage tax liability, preserve estate value, and fund your lifestyle. For those still building wealth, income planning may address business income, compensation optimization, or investment income projections.
Estate Planning
Without a comprehensive estate plan, your wealth may not pass as you intend, and significant value may be lost to taxes, probate, and inefficiency.
In partnership with your Attorney, we help ensure your estate plan reflects your wishes, minimizes estate taxes, provides for heirs efficiently, and addresses any business succession or special circumstances. Your estate plan must align with your investment strategy, your tax plan, and your philanthropic goals.
Philanthropic Giving and Philanthropy
If charitable giving is part of your values and legacy, we help you integrate philanthropy into your overall financial strategy.
Strategic charitable planning can satisfy your desire to give, benefit causes you care about, and create significant tax efficiency. Techniques may include charitable remainder trusts, donor-advised funds, private foundations, or appreciated asset giving—all coordinated with your broader plan.
Insurance Solutions
Insurance is not an expense—it's protection. The right insurance solutions ensure that unexpected events don't derail your plan and that your family's financial security is protected.
We evaluate your complete insurance picture—life, disability, health, property, liability, and specialty coverage—to ensure you have appropriate protection without gaps or redundancy. Insurance recommendations are always integrated with your broader strategy, never sold in isolation.
Coordinated Planning
Our Partners: CPAs and Attorneys
A very important feature of our proprietary process, the Freedom FORMula, is partnering with like-minded CPAs and Attorneys. We recognize that for a financial plan to be complete and sustainable it must also address issues around tax planning, risk and debt management, and estate and legal concerns.
We don’t practice law or accounting—that’s not our role. Instead, we foster collaborative relationships with your professional advisors. And because we’re an independent firm, we’re under no obligation to sell proprietary products or services. That means we’re objective and selective, offering only those investment products and services we believe are best suited to help meet your financial targets.
This coordinated approach ensures that tax planning, legal structures, and financial strategy are aligned rather than working at cross-purposes. Your CPA, Attorney, and Financial Advisor speak the same language and work toward the same goals.
Our Approach
An Enlightened Philosophy
around all things financial.
A Panning Strategy
that remains fluid and dynamic.
Our Proprietary Process
• Discover
• Design
• Deploy
The Freedom FORMula Difference
Panoramic, not siloed
We don't compartmentalize your planning. Every decision considers all seven areas and how they interconnect.
Proprietary and refined
We've spent years developing and testing this process. It's not borrowed from a textbook or software vendor—it's built from real-world experience.
Fiduciary, always
We put your interests first, period. No proprietary products. No conflicts of interest. Just honest, objective advice.
Built for complexity
Whether you're a business owner, high-net-worth individual, philanthropist, or blended-family situation, the Freedom FORMula scales to meet your needs.
Focused on freedom
We're not interested in accumulating wealth for its own sake. Our goal is to help you achieve and maintain the day of freedom you envision—however you define it.
Ready to Explore Your Freedom FORMula?
We provide comprehensive wealth planning services as part of an ongoing professional relationship with you, guided by our proprietary process, the Freedom FORMula. Our passion is to support you in working toward your financial and lifestyle objectives through a disciplined and structured approach.
he first step is a conversation. Request an appointment with one of our advisors to discuss how the Freedom FORMula can address your unique situation.
Advisory services offered through NewEdge Advisors, LLC, a registered investment adviser.