Having several investment accounts does not mean you have a financial plan.

You can own a 401(k), brokerage account, rental property, life insurance policy, and business interest while still having no clear answer to basic questions. Can you retire when you want? Are you taking more investment risk than necessary? Are taxes quietly reducing your results? Would your family know what to do if something happened to you?

Those questions reveal the difference between owning financial products and having a wealth
management plan.

A strong plan connects your money to actual decisions. It shows where you stand today, where you want to go, what could interfere with those goals, and what actions deserve attention first.
Investments matter, but they are only one part of the picture.

Good wealth management planning can also include cash flow, retirement income, taxes, insurance, estate planning, business interests, charitable giving, debt, family responsibilities, and transferring wealth to future generations.

The exact plan will look different for every household.

A 40-year-old business owner may need to manage company concentration, retirement contributions, taxes, and succession planning. A couple approaching retirement may be more concerned with Social Security, investment withdrawals, healthcare costs, and reducing unnecessary risk. A family with substantial assets may need to consider trusts, lifetime gifts, charitable goals, and how future heirs will manage inherited wealth.

The important point is simple: each financial decision should support the same overall plan.

Truewater Wealth, a Florida-registered investment adviser, follows this broader planning approach. We provide financial planning, portfolio management, tax and accounting services, and support for business retirement plans.

For families considering Jacksonville wealth management, understanding what belongs inside a
complete plan is a useful place to start. For Jacksonville and Ponte Vedra Beach clients, that plan may also need to account for Florida residency, out-of-state assets, and other location-specific tax or estate considerations.

What Is a Wealth Management Plan?

A wealth management plan is a coordinated strategy for managing your financial life.
It begins with your goals but goes much further.

A complete plan examines your income, spending, assets, liabilities, investments, taxes, retirement expectations, insurance coverage, estate documents, family needs, and other financial priorities.

It then connects those areas. That connection matters because financial decisions rarely happen alone.

Selling an investment can create a tax bill. A business sale can change your retirement plan. Retiring can change your income tax situation. Changing beneficiaries can affect an estate plan. Helping an adult child purchase a home can affect your own retirement resources.

A strong plan considers these relationships before decisions are made.

Wealth Management Is Broader Than Investment Management

Investment management mainly deals with how assets are invested.

That may involve asset allocation, diversification, risk, portfolio construction, investment selection, rebalancing, and performance monitoring.

Wealth management includes those tasks but adds broader planning. It asks why the money is invested in the first place.

A portfolio designed for someone who needs money in three years should probably look different from a portfolio intended to fund expenses 25 years from now.

Likewise, an investor with substantial pension income may have a different ability to accept market risk than someone whose retirement spending will depend heavily on portfolio withdrawals.

Investment choices make more sense when the rest of the financial plan is known.

Financial Planning Should Produce Decisions

A financial plan should not be a thick report that gets placed in a drawer. It should help answer practical questions.

Should you increase retirement contributions?
Can you afford a second home?
Should part of your portfolio become more conservative before retirement?
Should you exercise company stock options?
Can you help children financially without damaging your retirement plan?
Is a Roth conversion worth considering?
Do your beneficiaries still reflect your wishes?
Should excess cash be invested?

These are planning questions. A useful plan turns them into specific decisions and priorities.

1. Clear Financial Goals and Priorities

Every strong wealth management plan should begin with goals.

Not vague goals such as “grow my money.” Useful goals are connected to real outcomes. Someone may want to retire at 62 while spending $120,000 per year. Another family may want to pay for college while preserving retirement savings. A business owner may want to sell the company within ten years. Parents may want to leave money to children while also supporting several charities.

These goals require very different financial decisions.

Separate Goals by Time Frame

One useful approach is to divide financial goals into short-, medium-, and long-term periods.
Short-term goals may include goals expected within the next few years, such as:

building emergency savings;
purchasing a vehicle;
renovating a home;
paying down expensive debt;
or preparing for a large tax payment.

Money needed soon usually deserves different treatment from long-term retirement assets.

Medium-term goals may include:

purchasing another property;
funding education;
starting a business;
helping adult children;
or changing careers.

These goals require a balance between growth and access to the money.

Long-term goals often include:

retirement;
financial independence;
long-term care;
charitable giving;
business succession;
and transferring wealth.

Clear time frames help determine how much needs to be saved and how much investment risk may be reasonable.

Rank Goals Instead of Treating Everything Equally

Most households have more goals than resources. That makes prioritization important.

Retirement may be more important than purchasing a vacation property. Maintaining emergency reserves may come before making an additional investment. A business owner might need to improve company liquidity before increasing personal spending.

The purpose of planning is not to fund every possible goal immediately. It is to decide which goals matter most and direct money accordingly.

2- Cash Flow and Liquidity Planning

A large investment portfolio does not eliminate the need for cash-flow planning.

Income comes in. Money goes out. A good plan should explain where the difference is going.

Without that information, households may earn substantial incomes while making surprisingly little progress toward long-term goals.

Understand Your Real Spending

People often underestimate spending because they focus only on major bills.

Smaller recurring expenses, travel, property costs, insurance premiums, taxes, family assistance, and irregular purchases can add up.

You do not necessarily need to track every coffee purchase. You do need a reasonable estimate of what your lifestyle actually costs.

This becomes especially important before retirement.

If you think retirement will cost $8,000 per month but your current lifestyle requires $13,000, the
difference can materially change how much you need to accumulate.

Maintain Appropriate Liquidity

Cash provides flexibility. It can cover emergencies, planned expenses, taxes, home repairs, business needs, or periods of reduced income.

However, holding excessive cash for many years can have drawbacks because inflation can reduce purchasing power.

A financial plan should therefore answer two questions:

How much cash do we need?
What is the purpose of each cash reserve?

The answer depends on employment stability, business ownership, family responsibilities, upcoming expenses, and other sources of liquidity.

3- Investment and Portfolio Strategy

Portfolio management and wealth planning should work together.

The portfolio should be designed around financial goals instead of existing as a separate activity.

That means investment decisions should consider time horizon, cash-flow needs, taxes, retirement dates, risk capacity, and the role each account plays.

Start With Asset Allocation

Asset allocation refers to how a portfolio is divided among different investment categories.

The proper mix depends on the investor.

Someone decades from retirement may be able to tolerate more short-term volatility. Someone who needs substantial portfolio withdrawals within two years may need a different structure.

Age alone should not determine the answer. Other factors include:

income stability;
pension or Social Security income;
portfolio size;
spending needs;
debt;
family responsibilities;
investment experience;
and tolerance for market declines.

Asset allocation and diversification do not ensure a profit or protect against loss in a declining market.

Diversify Concentrated Wealth

Concentration often develops without an investor intentionally creating it.

A company executive may receive stock compensation for many years. A business owner may have most of their net worth tied to one company. A strongly performing investment may grow until it represents an unusually large share of a portfolio.

Concentrated wealth can produce large gains when the asset performs well. It can also create substantial losses when one company or industry struggles.

A strong plan should measure concentration and determine whether the risk remains appropriate.

Rebalance With Purpose

Investment markets move at different rates. Over time, a portfolio can drift away from its intended allocation.

Suppose a portfolio was designed with a particular balance between stocks and bonds. Strong stock market performance could eventually make stocks represent a much larger share. The investor may then be taking more risk than intended.

Rebalancing can restore the desired allocation. Rebalancing does not guarantee improved returns or protect against loss. Tax consequences should also be considered before selling assets in taxable accounts.

Match Accounts With Goals

Not every investment account needs the same strategy.

Retirement accounts may have a long horizon. A taxable brokerage account could serve several goals. Cash may be reserved for expenses expected soon. Trust assets may have a different purpose.

This is one reason portfolio management and wealth planning should be considered together rather than handled as separate projects.

4- Retirement Planning

Retirement is one of the largest financial goals most households will fund. It may last 20, 30, or more years.

A strong retirement plan therefore needs more than a target account balance. It should estimate income, spending, taxes, investment returns, inflation, healthcare costs, and withdrawal needs.

Determine What Retirement May Cost

Retirement planning begins with lifestyle.

Where will you live?
Will your mortgage be paid off?
How often do you expect to travel?
Will you support children or grandchildren?
Will you maintain more than one property?
What might healthcare cost?

These questions help create a realistic spending estimate.

Identify Retirement Income Sources

Potential income sources may include:

Social Security;
pensions;
retirement accounts;
taxable investments;
rental income;
business income;
cash reserves;
or other assets.

The plan should show how these sources work together.

Review Retirement Contributions

Contribution limits can change from year to year.

According to the IRS, for tax year 2026, the employee elective-deferral limit for 401(k) plans is $24,500, and the annual IRA contribution limit is $7,500. Additional contribution and eligibility rules may apply based on age, income, and plan type. Limits are adjusted periodically; confirm current figures at IRS.gov before contributing.

Knowing the maximum contribution is useful, but it does not tell you how much you personally need to save. Your savings target should come from your retirement projections.

Build a Withdrawal Strategy Before Retirement

Accumulation receives most of the attention during working years. Withdrawals become just as
important after retirement.

Retirees may have:

traditional retirement accounts;
Roth accounts;
taxable brokerage accounts;
cash;
and other income sources.

The order in which those assets are used can affect taxes and future flexibility.

There is no universal withdrawal sequence that works for every household. Annual tax projections can help determine which accounts may make sense to use during a particular year.

5- Tax Planning

Tax preparation looks backward. Tax planning looks forward.

That distinction belongs at the center of strong wealth management planning.

Preparing a tax return tells you what happened during the previous year. Planning asks whether there are decisions you can make before year-end that may improve your tax position while supporting your larger financial goals.

Truewater Wealth’s in-house CPAs and financial advisors can coordinate tax planning with investment and broader financial-planning decisions. Tax preparation and accounting services are provided under a separate engagement and fee; clients are not required to use Truewater Wealth for those services.

Coordinate Investments With Taxes

Taxable investment accounts can create:

interest income;
dividend income;
realized capital gains;
and capital losses.

Investment decisions should consider these tax effects.

However, avoiding taxes should never become the only investment objective. Holding an unsuitable investment simply because selling would create a gain can expose the household to unnecessary risk.

The better question is whether the financial benefit of making a change outweighs the tax cost.

Review Tax-Loss Opportunities

Investments trading below their cost basis may sometimes create tax-planning opportunities.

Realized capital losses can potentially offset certain realized gains under federal tax rules.

However, wash-sale rules can affect the treatment of losses when substantially identical securities are purchased within the applicable period. Tax-loss harvesting does not guarantee a lower overall tax bill, and any benefit may be limited or deferred.

Tax strategy therefore needs coordination with portfolio management.

Consider Roth Conversions Strategically

A Roth conversion moves assets from certain tax-deferred retirement accounts into a Roth account. The conversion generally creates taxable income.

That can make conversions more attractive during years when taxable income is temporarily lower.

Examples might include retirement before required distributions begin or a year between major business transactions.

The calculation should weigh the current tax bill against potential long-term benefits. A conversion cannot be reversed, so the decision should be based on projections rather than assumptions.

Plan Charitable Giving

Charitable giving can also be coordinated with financial and tax goals.

Depending on the household, possibilities may include:

cash gifts;
appreciated securities;
donor-advised funds;
qualified charitable distributions when eligible;
or estate gifts.

The first question should always be how much you want to give. The tax strategy comes after that decision.

6- Risk Management and Insurance Considerations

Investment risk receives a great deal of attention. Other financial risks deserve attention too.

A serious illness, disability, liability claim, property loss, or premature death can disrupt years of financial planning.

Risk management is therefore an important part of a complete wealth management plan.

Life Insurance

Life insurance may be important when other people depend on your income or assets. Coverage needs can change over time.

A young family with children and a mortgage may need substantial protection. A retired couple with significant assets and financially independent children may have different needs.

Coverage should be reviewed as circumstances change.

Disability Protection

Your future earning ability may be one of your largest financial assets during your working years.

A long period without income can make retirement contributions, debt payments, and family expenses difficult.

Disability coverage should therefore be considered within the broader financial plan.

Property and Liability Coverage

Growing wealth can increase liability exposure.

Homes, rental properties, vehicles, businesses, and other assets create risks that should be reviewed with qualified insurance professionals. A review of insurance needs should focus on meaningful financial risks rather than buying coverage without a clear purpose.

Insurance considerations can be incorporated into the broader financial plan, with policy-specific
decisions addressed with qualified insurance professionals as appropriate. Truewater Wealth does not sell insurance products.

7- Estate Planning Coordination

A financial plan is incomplete if it only explains what happens while you are alive and healthy.
Wealth management estate planning considers how your financial plan should account for what
happens if you become unable to manage your affairs or after your death.

The exact documents and strategies depend on family circumstances and applicable law, so estate attorneys should be involved where legal advice or document preparation is required.

Truewater Wealth does not provide legal advice or prepare legal documents.

Keep Core Estate Documents, Current

Depending on individual circumstances, an estate plan may include documents such as:

a will;
financial powers of attorney;
healthcare directives;
trusts;
and related instructions.

The purpose is not simply to transfer assets. Estate planning can also address who manages financial matters during incapacity and who can make important healthcare decisions.

Check Beneficiary Designations

Some assets can pass according to beneficiary designations rather than instructions in a will. Examples can include retirement accounts and life insurance. That makes beneficiary reviews important after major changes such as:

marriage;
divorce;
birth;
death;
or major changes in family relationships.

Coordinate Estate Planning With the Financial Plan

An attorney may create legally sound documents. Those documents still need to match the household’s assets and financial goals.

For example, a trust strategy may require specific assets or beneficiary instructions to be coordinated properly.

This is why estate planning should not sit apart from investment and financial planning.

8- Planning for Wealth Transfer and Family Goals

For families likely to leave substantial assets, estate planning is only one part of wealth transfer.

The next question is what happens to the money after it reaches another generation.

Decide What You Want Wealth to Accomplish

Parents may want to help children:

pay for education;
purchase homes;
start businesses;
support charitable causes;
or gain greater financial security.

Those objectives should be discussed before choosing gifting or trust strategies.

Understand Current Gift and Estate Rules

Federal transfer-tax rules change over time.

For 2026, the federal basic estate and gift tax exclusion is $15 million per individual, while the annual gift-tax exclusion is $19,000 per recipient. These amounts are indexed for inflation and may change in future years.

These figures should not be interpreted as instructions to give assets away.

Large gifts can affect personal liquidity, future retirement needs, control over assets, basis
considerations, and estate plans. Tax and estate professionals should review major transfers before action is taken.

Prepare Heirs for Responsibility

Passing assets without financial education can create problems.

Families may benefit from gradually introducing adult children to financial concepts and family planning discussions.

That might include conversations about:

how investments work;
why the estate plan is structured a certain way;
family charitable goals;
business ownership;
trust responsibilities;
and expectations around inherited assets.

A strong wealth plan prepares people as well as accounts.

9- Business and Executive Planning

Business owners often have financial lives that cannot be separated neatly between “business” and “personal.” The business may represent a large part of the owner’s net worth. It may also fund retirement savings, family income, insurance, and future estate goals.

A complete plan should therefore include the business when it materially affects personal wealth.

Measure Business Concentration

A successful company can create substantial wealth. It can also create concentration.

If most of someone’s net worth depends on one business, the household’s financial future may depend heavily on that company’s success.

Investment decisions outside the business may need to account for this exposure.

Prepare for Business Succession

Owners should consider what eventually happens to the company.

Will it be sold?
Transferred to children?
Passed to employees?
Closed?
Kept as a family investment?

These choices can affect taxes, retirement planning, estate planning, and family relationships. Succession planning should begin before an exit becomes urgent.

Coordinate Workplace Retirement Accounts With the Broader Plan

Business owners may have retirement-plan options that differ from those available to employees at larger companies.

Plan design can affect owner contributions, employees, tax obligations, administration, and company cash flow.

Truewater Wealth’s portfolio management services can incorporate certain workplace retirement accounts, such as 401(k), 403(b), and TSP accounts, into a client’s broader financial plan.

Management of these accounts may be limited to the investment options available within each plan.

10- When to Review Your Financial Plan

A strong plan must be able to change. Your financial life at age 45 will probably not look like your life at 65.

Plans should be reviewed when circumstances change rather than followed blindly.

Events That May Require a Review

Consider reviewing your plan after events such as:

marriage or divorce;
birth or adoption;
inheritance;
major career change;
business sale;
retirement;
relocation;
large property purchase;
death in the family;
or significant health changes.

Each event can affect several parts of the plan at once.

Do Not Change Plans Because of Every Market Move

Reviewing a plan does not mean constantly changing investments.

Markets rise and fall. A long-term strategy should not normally be abandoned because of short-term headlines.

A review should instead ask whether your goals, cash flow, risk capacity, or financial circumstances have materially changed.

11- Ongoing Monitoring and Financial Reviews

A wealth management plan is a process, not a one-time document.

Account balances change. Markets change. Tax rules change. Families change.

A plan should therefore be reviewed regularly.

What Should Be Reviewed?

A good periodic review may cover:

Goals — Are your priorities still the same?
Cash flow — Has spending or income changed?
Investments — Has market performance pushed the portfolio away from its intended allocation?
Retirement — Are savings still on track?
Taxes — Are there planning opportunities before year-end?
Insurance — Does existing coverage still fit your financial risks?
Estate planning — Are beneficiaries and documents current?
Family needs — Do children, aging parents, or other relatives now require support?

These reviews help prevent individual decisions from drifting away from the larger strategy.

What Local Families Should Consider

Financial planning principles apply across the country, but location can still affect certain decisions.

For people evaluating Jacksonville wealth management, Florida residency is one example. Florida does not impose a personal state income tax, and Florida currently has no state estate tax for estates of people who died after December 31, 2004. Federal taxes still apply, and businesses, property owners, or households with ties to other states may face other state and local tax obligations.

This can be relevant for retirees moving from another state, executives with income in multiple states, business owners, or families with property outside Florida.

Jacksonville Families Can Still Have Multi-State Financial Issues

Living in Florida does not mean every financial issue is confined to Florida.

A Jacksonville household might own:

a rental property in another state;
a company operating across state lines;
a previous residence elsewhere;
trust assets;
or investment accounts connected with different institutions.

Estate documents created before a move may also deserve review with legal counsel.

Local planning should therefore consider the household’s complete financial situation rather than
focusing only on state income tax.

Where Truewater Wealth Fits

Truewater Wealth is based in Ponte Vedra Beach and serves families in Greater Jacksonville as well as clients in other states where the firm is registered or exempt from registration. Our planning services include financial planning, portfolio management, tax and accounting work, and business retirement plan support. That combination matters because taxes and investment decisions often affect one another.

Our planning approach connects investments, retirement, taxes, estate considerations, and family goals rather than treating each area separately.

For someone comparing advisors, the important question is not simply who can manage an investment account. It is whether the advisor’s services match the complexity of your financial life.

How to Evaluate Whether Your Current Plan Is Strong Enough

A good financial plan should make your financial life clearer.

If you cannot explain how your investments, taxes, retirement, estate decisions, and major goals connect, your plan may have gaps.

Ask yourself the following questions:

Do I know what my money is supposed to accomplish? Account growth alone is not a financial goal.
Do I know whether I am on track for retirement? A retirement plan should be based on projected spending and resources.
Does my investment risk match my financial needs? Risk should reflect goals and time horizon, not only personal preference.
Are investment and tax decisions coordinated? A portfolio change can have tax consequences.
Is my estate plan current? Documents and beneficiaries should reflect your present family
circumstances.
Does my family know what happens if I cannot manage financial matters? Planning should include incapacity as well as death.
Are major business interests included? Business ownership may represent a large portion of total wealth.
Is the plan reviewed regularly? A financial plan should change when meaningful circumstances change.

If several of these questions cannot be answered confidently, the issue may not be poor investing. The problem may be incomplete planning.

What a Strong Wealth Management Plan Should Ultimately Give You

The purpose of planning is not complexity. A good plan should actually make decisions easier.
You should know:

where you stand;
what you are working toward;
what risks deserve attention;
what actions should happen next;
and what does not need changing.

That clarity becomes increasingly important as wealth grows.

As financial lives become more complex, coordinating accounts, taxes, retirement decisions, and family goals can become more difficult. A coordinated plan helps prevent that fragmentation.

Frequently Asked Questions

What Should a Wealth Management Plan Include?

A strong wealth management plan may include financial goals, cash-flow analysis, investment
management, retirement planning, tax planning, insurance review, estate planning, business interests, charitable goals, and wealth-transfer planning. Not every household needs the same level of complexity.

The plan should reflect actual assets, responsibilities, risks, and goals.

What Is the Difference Between Wealth Management and Financial Planning?

Financial planning can cover cash flow, retirement, taxes, insurance, estate considerations, and other goals. Wealth management often combines these planning areas with ongoing investment management and coordination across more complex financial needs. The exact services vary by firm, so clients should verify what is actually included.

Is Estate Planning Part of Wealth Management?

It can be. Estate planning coordination can help connect financial assets with estate goals. Financial advisors do not replace estate attorneys for legal work. Instead, planning can help identify financial issues that should be coordinated with an attorney, such as beneficiaries, account ownership, trusts, liquidity, business interests, and wealth-transfer goals.

How Often Should a Wealth Management Plan Be Reviewed?

A plan should generally receive regular reviews and additional attention after major life or financial changes. Examples include retirement, inheritance, marriage, divorce, relocation, business sales, major investment changes, and changes in tax law. That does not mean changing investments constantly. It means checking that the strategy still fits your circumstances.

Why Is Tax Planning Important in Wealth Management?

Taxes can affect investment returns, retirement withdrawals, business income, charitable gifts, and wealth transfers. Planning before transactions occur can provide more choices than addressing taxes only after the year has ended. Tax decisions should be based on individual circumstances and current law.

Is Portfolio Management Enough for Families With Complex Finances?

Not necessarily. A household with complex finances may also need retirement planning, tax coordination, insurance analysis, estate planning, charitable strategies, business planning, and wealth transfer preparation. Managing the investment portfolio without considering these areas can leave important financial risks unaddressed.

When Should I Consider Professional Wealth Management?

Professional advice may become more useful when financial decisions begin affecting several areas at once. That may happen when someone owns a business, approaches retirement, receives a large inheritance, accumulates substantial investment assets, holds concentrated company stock, owns property in several states, or wants to transfer significant wealth.

Build a Plan Around Your Life, Not Just Your Accounts

A strong financial plan should answer more than “What should I invest in?” It should explain what your wealth is meant to accomplish.

Your investment portfolio should support those goals. Your tax decisions should be considered alongside your investments. Your retirement strategy should explain how income will be created.

Your insurance should address meaningful financial risks. Your estate plan should reflect what you want to happen to your assets and who should act on your behalf. Your business interests should be included when they represent part of your wealth.

And your plan should continue changing when your life changes. That is what effective wealth
management planning is supposed to do. For individuals, families, retirees, and business owners considering Jacksonville wealth management, Truewater Wealth offers a coordinated approach that brings financial planning, portfolio management, tax and accounting services, and related financial decisions into the same discussion. Advisory services are provided for a fee; see our Form ADV Part 2A for a description of services, fees, and conflicts of interest.

The goal is not to make your financial life more complicated. It is to make sure the pieces are working toward the same destination. A collection of accounts tells you what you own. A strong wealth management plan tells you what to do with it.

Important Disclosures

Truewater Wealth, P.A. is an investment adviser registered with the State of Florida Office of Financial Regulation. Registration as an investment adviser does not imply a certain level of skill or training. Advisory services are offered only to residents of states where the firm is registered, notice-filed, or exempt from registration. Firm CRD #142080. Tax preparation and accounting services are provided by Truewater Wealth, P.A. under a separate engagement and fee.

This article is provided for general educational purposes and should not be treated as individualized investment, tax, legal, accounting, or insurance advice. Financial circumstances differ, and tax and estate rules can change. Consult appropriately qualified professionals before implementing specific strategies.

Nothing herein is an offer to sell or a solicitation of an offer to buy any security. Truewater Wealth does not provide legal advice. Tax figures cited reflect federal law for tax year 2026 as of this writing and are subject to change.

All investing involves risk, including the possible loss of principal.

Diversification, asset allocation, and rebalancing do not ensure a profit or protect against loss in a declining market.

Any projections or examples are hypothetical and are not guarantees of future results. Past performance is not indicative of future results. The material above has been provided for
informational purposes only and is not intended as legal, tax, or investment advice or a
recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable, though its accuracy is not guaranteed, and Truewater Wealth makes no representation or warranty as to the accuracy or completeness of the information, which should not be used as the basis of any investment decision.

Information contained on third-party websites that Truewater Wealth may link to is not reviewed in its entirety for accuracy, and Truewater Wealth assumes no liability for the information contained on these websites. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of writing and are subject to change without notice. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission from Truewater Wealth. For more information about Truewater Wealth, including our Form ADV Part 2A brochure, please visit https://adviserinfo.sec.gov and search for our firm name or CRD #142080.