Portfolio Analysis & Plan Review (Flat‑Fee)
Independent, project‑based review for DIY investors and those working with another firm—no pressure to move assets. Clear findings, concrete fixes, and a 90‑day action plan.
If you want a detailed plan and/or portfolio you’ll manage yourself, or you’re already working with another advisor and simply want a pressure-free second opinion, our flat-fee review is built for you—no account transfers required and transparent pricing. You’ll receive a written report, a 90-day action checklist, and the flexibility to implement on your own, with your current advisor, or with us.
Two specialists. One plan. At Genesis Wealth Management Group, your Investment Advisor Representative works in tandem with a CFP® professional to deliver integrated analysis—portfolio design aligned to a comprehensive financial plan. That team structure gives you objective evaluation, clear trade-offs, and a prioritized action list you can use.
Clients Who Benefit Most From Our Flat-Fee Planning Model
This service is designed for a wide range of clients. It’s ideal for DIY investors who want a professional checkup without leaving their current firm, and for clients already working with an advisor who want an objective second opinion. It’s also a strong fit for pre-retirees—those about five to ten years from retirement—and retirees who want to stress-test their income, risk, and tax strategies. At Genesis Wealth Management Group, you’ll work directly with an Investment Advisor Representative and have access to partnered CFP® professionals, ensuring your plan is both comprehensive and tailored to your goals.
What You Get: Comprehensive Financial Planning Deliverables
Portfolio X-Ray
Our portfolio X-ray provides a deep investment analysis so you can clearly see what’s working and what may need attention. We review your asset allocation, diversification, and fund costs while identifying hidden fees and tax drag. You’ll also see how your accounts line up with a personalized policy index for long-term tracking. Your asset location—what you hold in Roth vs. pre-tax accounts—can impact long-term returns. Compare Roth 401(k) vs Roth IRA here.
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Allocation, factor tilts, diversification & concentration checks
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Expense/turnover review; embedded fund costs; tax-drag estimate
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Asset location opportunities across taxable, IRA, Roth, HSA
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“Policy index” comparison and tracking-error context
Risk Alignment & Resilience
We make sure your investments match both your comfort level and your capacity for risk. Our process stress-tests your portfolio during the critical retirement years and uses advanced modeling to show the probability of success and drawdown protection.
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Risk tolerance and risk capacity assessment
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Sequence-of-returns stress tests around the retirement red zone
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Monte Carlo probabilities plus a Funded Ratio adequacy lens
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Withdrawal guardrails evaluation and drawdown capacity
Tax-Smart Coordination
Taxes can erode returns if not managed strategically. We help coordinate your accounts and withdrawals to keep more money working for you, from Roth conversions to Medicare threshold planning.
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Withdrawal order analysis; Roth conversion windows; gain harvesting
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RMD planning, QCD opportunities, Net Unrealized Appreciation (if relevant)
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Medicare IRMAA thresholds mapping and bracket-management tactics
Retirement Income Integration
Reliable income in retirement is more than just Social Security. We build a clear cash-flow plan, show optimal timing strategies, and set aside “buffer assets” to protect your portfolio from market downturns.
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12–24 month cash-flow map and funding source plan
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Social Security timing (including spousal/survivor)
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“Buffer assets” approach (cash/T-Bills/short bonds) to reduce sequence risk
Estate & Titling Readiness
Proper account titling and beneficiary setup ensure your wealth passes smoothly to loved ones. We review designations, TOD/POD accounts, and coordinate with your attorney or CPA when needed.
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Beneficiary, TOD/POD, and account titling check
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Coordination with your attorney/CPA as needed
Written Report & Action Plan
ou’ll walk away with a clear, written financial plan that’s easy to follow. This includes plain-English findings, prioritized recommendations, and a step-by-step checklist you can use on your own or with your current advisor.
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Plain-English findings
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Prioritized fixes and a 90-day checklist you can implement yourself, with your current advisor, or with us
How Our Flat-Fee Engagement Works
At Genesis Wealth Management Group, we make financial planning simple, transparent, and client-focused. Our flat-fee structure is designed for individuals and families who want expert analysis without the pressure of ongoing management commitments. Here’s what to expect:
How the flat-fee engagement works
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A brief, no-obligation discovery call to confirm scope and fit.
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A clear, flat-fee quote based on your needs—whether portfolio-only, plan-only, or a combined review.
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A simple document list: recent statements, existing plan (if available), tax summary, Social Security estimates, and benefits information.
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A deep-dive review with stress tests, followed by a strategy session to walk through findings and recommended changes.
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You choose how to implement: manage it yourself, work with your current advisor, or engage us. If you later hire us for ongoing management, part of this fee may be credited.
Why Genesis Wealth + CFP® Team
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A team model that pairs an Investment Advisor Representative with partnered CFP® professionals—never one-size-fits-all templates.
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Deeper analysis with Monte Carlo probability testing and Funded Ratio analysis.
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Expertise for those nearing or already in retirement, including Social Security, IRMAA, RMDs, and sequence risk.
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Fiduciary standard for advisory services and fully transparent pricing.
When this service is right for you
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You want a stand-alone, flat-fee second opinion or financial plan you can manage on your own.
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You’re evaluating when to claim Social Security and how to structure withdrawals.
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You want confidence that your plan is resilient and adequately funded.
What we’ll need to get started
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Most recent investment statements (all accounts).
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Current plan outputs (if any) and employer plan details.
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Latest tax return summary (Form 1040 and schedules).
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Social Security estimates; pension or annuity statements.
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Estate documents (wills, trusts, POAs) for coordination, if applicable.
Related services
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Retirement income planning, including withdrawal and decumulation strategies.
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Wealth and asset accumulation with a goal-based investment roadmap.
FAQs
Schedule a Complimentary Consultation
Ready to take the next step toward clarity and confidence in your financial future? Schedule a consultation with Genesis Wealth Management Group today and discover how our personalized wealth management process can help you stress-test your portfolio, align your risk, and create a retirement income plan designed around your goals. You’ll work directly with an Investment Advisor Representative (IAR) supported by CFP® professionals who put your best interests first.
Investment advisory services offered through Genesis Wealth Management Group, LLC, an independent Registered Investment Adviser. Fiduciary duty applies to advisory clients for advisory services. Past performance does not guarantee future results. All investing involves risk, including loss of principal. This material is for informational purposes only and should not be construed as tax or legal advice.