Goal-Based Planning

Goal-based financial planning is a “total wealth” approach that focuses on a client’s big picture. Instead of looking at just short-term investment performance or developing a long-term retirement funding plan, it identifies and balances all of a client’s goals, including:

  • Wealth accumulation planning.
  • Asset protection planning to protect wealth from financial predators.
  • Life-cycle cash flow budgeting (life cycle refers to various life stages, such as early, active retirement though later retirement where healthcare and assisted living planning may become important). Unless predictable life changes are planned for, financial results can be disappointing, and the risk of running out of money or not being able to afford basic needs is elevated.
  • Detailed retirement planning that considers tax efficiency, all retirement assets like pensions and Social Security, life cycle budgeting, and survivor income planning. Females tend to live longer, but retirement income often changes dramatically at the first death. Without proper planning, women are at high risk of compromised lifestyles or even poverty.
  • Tax reduction strategies.
  • Efficient estate planning that controls taxes and protects family wealth.
  • Children’s inheritance and divorce protection planning.
  • Prioritizing and balancing needs (such as food and healthcare), wants (such as extended travel) and wishes (such as major luxury purchases) to put goals and resources in perspective.

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One Money View

Camarda Wealth’s One Money View™ application offers advanced financial planning power to clients, fully coordinated with a licensed Camarda Wealth advisor. This robust system helps make real goals-based planning a snap.

Even more, it aggregates all your financial accounts – from bank accounts, investments and 401(k)s to insurance, mortgages and loans – and puts it all on one easy screen. Our clients are able to look at their total financial picture with one click, on a constantly-updated basis.

This powerful software even lets clients play “what if?” in the Play Zone, so you can see how affordable that expensive wedding is, or how buying a vacation property will impact retirement or kids’ inheritance.

Big Picture

Streamline data gathering. Explore expectations and concerns to create better plans.

Health Care

Include health care costs with one click–one of the largest expenses in retirement.

Social Security

Choose the financial strategy that maximizes your family’s social security benefits.

Assess Risk

Simply and easily demonstrate the impact of risks and loss tolerance to your financial plan.


Four options provide different views of your financial plan and confidence zone.

Play Zone®

This engaging feature lets you instantly see the impact of adjusting variables.

Face Your Fear

Calculate the impact of market corrections, early death, or unexpected costs.

Planning Portal

Focus on long-term goals, establish clear expectations, and avoid overreactions.

This service is typically worth several thousand dollars. We offer it free to qualified potential clients. It’s complimentary so that you can assess the quality of our work as you consider us for your wealth planning partner.