Clower Wealth Management
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Tools

Clower Wealth management offers a suite of planning tools and services that are designed to help you plan for and enjoy the retirement you have dreamed about and worked so hard to achieve.

In collaboration with ValMark Securities, Inc., we offer a number of comprehensive planning tools for individuals and couples in the pre-retirement planning years, when you are accumulating and investing assets; and retirees who are focused on the wise distribution of assets to ensure they will last for their lifetime. This collaboration provides you with both a one-to-one personal relationship with a trusted local advisor and the expertise and resources of a highly respected national securities firm.

Our process incorporates the following assessment and planning tools to create customized retirement and asset management plans that are as unique as our clients and their personal goals.

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Retirement Tools

r.i.s.k.™ – The Retirement Income Survival Kit helps insulate your income against key retirement risks.

arc™ – Achieving Retirement Clarity uses a detailed cash flow analysis to create a custom plan for achieving your retirement goals.

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Asset Management Tools

life assurance 360™ – This program evaluates your life insurance coverage and makes recommendations to help you align the strength and purpose of your policies with your needs and goals.

tops™ – The Optimized Portfolio System is an investment vehicle that provides professionally managed investment solutions through Exchange Traded Funds.

THE TOLI EXPERT SYSTEM™ – The Trust Owned Life Insurance Expert System is a five-step process that addresses the complex tax, trust and legal issues involved in the ownership of life insurance inside irrevocable insurance trusts.

THE CARES PROCESS™ – The Comprehensive Annuity Review and Evaluation Service is designed to educate contract holders about the products and features of their existing annuities.

 

Tools

TOOLS FOR RETIREMENT:

R.I.S.K.

ARC

FOCUSED PLANNING

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TOOLS FOR ASSET MANAGEMENT:

Life Assurance 360

TOPS

THE TOLI EXPERT SYSTEM

THE CARES PROCESS

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To get started

To get started, feel free to download any of the brochures about our programs below and then contact our office to schedule a no-cost, no-obligation consultation with Bob Clower • EMAIL • 508-477-2775

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RISKR.I.S.K. brochure

Download a pdf copy of the RISK brochure to learn more about this program.

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ARCARC brochure

Download a pdf copy of the ARC brochure to learn more about this program.

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LA360Life Assurance 360 brochure

Download a pdf copy of the LA360 brochure to learn more about this program.

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TOPSTOPS brochure

Download a pdf copy of the TOPS brochure to learn more about this program.

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TOLI info sheetTOLI Information Sheet

Download a pdf copy of our TOLI info sheet to learn more about this program.

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Financial and Retirement Planning serving retirees
on Cape Cod and Eastern Massachusetts