Life evolves. Families grow, careers shift, markets move, and priorities change. A financial plan isn’t meant to sit on a shelf—it’s meant to move with you, helping you prepare for the unexpected and stay aligned with what matters most.
At Century Management, we call it Wealth Planning—because it’s about more than just numbers. Some firms call it financial planning, and that’s true too. But for us, wealth planning means something deeper: aligning money, life, and legacy. We take the time to understand your story, your values, and your vision for the years ahead.
From there, we help you confirm you’re on the right path, prepare for change when it comes, and design a plan that adapts as life evolves—for you, your family, and, for business owners, your business. Our approach is to look beyond silos and the one-off answers that don’t consider the whole. Retirement decisions affect taxes. Estate strategies affect investments. Business choices affect family security. That’s why our approach is to take a comprehensive view—connecting the moving parts so your plan works as a whole.
True wealth isn’t measured in numbers alone; it’s the confidence that your money supports the life you want, today and tomorrow.
Our Wealth Planning Process
Step 1: Clarity We begin by understanding where you are today—your goals, resources, and both your risk tolerance (how much risk you feel comfortable taking) and your risk capacity (how much risk your finances can actually support). The two are often very different, and we make sure both are respected.
Step 2: Design We model your current path as a base case and then explore what-if scenarios that are most important to you and your goals. This lets you see trade-offs and make informed choices about the road ahead.
Step 3: Collaboration Great plans work best when the right voices are at the table. That’s why we coordinate with your existing professionals—or introduce you to trusted specialists—when expertise is needed. Whether it’s an attorney, CPA, insurance advisor, valuation expert, banker, or real estate professional, we help ensure the right expertise is included so your plan works as a whole.
Step 4: Implementation This is where the plan comes to life. We give clear guidance on next steps and help you put the pieces in motion—investments, cash flow, tax consequences, estate and legacy planning, philanthropy, family support, and risk protection. Think of us as the coach, drawing up the right plays. You remain the quarterback—calling the shots, always in control. We’re by your side every step of the way, as much or as little as you need.
Step 5: Communication Life doesn’t stand still. Through ongoing dialogue and regular reviews, we revisit and refine your plan as your life and goals evolve.
For Individuals and Families
Cash Flow – Align spending, saving, and debt so day-to-day decisions support long-term goals.
Retirement Planning – Build an income strategy balancing freedom today with security tomorrow.
Social Security Strategies – Analyze claiming options to help maximize lifetime benefits.
Risk Management – Identify gaps and evaluate solutions—life, disability, long-term care, liability.
Estate & Legacy Planning – Ensure wishes are honored and loved ones are protected.
Investments – Design disciplined portfolios aligned with your goals, risk profile, and time horizon.
Major Transactions – Objective input on homes, businesses, properties, or big lifestyle decisions.
Tax Awareness – Always accounting for tax consequences, even if we don’t prepare returns.
For Business Owners
Your business is often your largest asset—and it deserves to be fully integrated into your personal plan. We guide you through:
Valuation – Know your business’s worth and value drivers.
Succession Planning – Plan for sale, transfer, or unexpected events.
Tax Efficiency – Maximize after-tax results.
Risk Management – Protect business and personal wealth.
The Pyramid of Wealth Planning
At Century, we view planning as a progression:
- Foundation: Managing the Money
Investment allocation, insurance, income, taxes, cash flow, and debt. - Next Level: Achieving Goals
Retirement income, college funding, health care, estate planning, charitable giving. - Peace of Mind
Taking care of loved ones, gaining organization and control, freeing up time, reducing worry. - Fulfillment
Leaving a legacy and living with purpose.
Whether you’re building the foundation or reaching for fulfillment, our role is to help you move forward with clarity and confidence.
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