Because building wealth is one thing. Knowing what to do with it? That’s where the real work—and reward—begins.
There’s a moment that happens when your net worth quietly crosses that seven-figure mark.
It doesn’t always come with fireworks or a champagne toast. Sometimes it sneaks up after years of disciplined saving, good decisions, and a little market momentum. But at some point, you look up and realize:
“I’m no longer just building wealth—I need to start stewarding it.”
If that’s where you find yourself today—whether you’re in your 30s, 40s, or early 50s—first of all, congratulations. You’ve done something many people only dream of. Now let’s talk about what comes next.
💡 You’re Not Playing the Same Game Anymore
Once your investment portfolio hits $1M+, the stakes change.
You’re no longer just trying to “beat the market” or chase the next hot stock tip. You’re trying to:
- Reduce taxes
- Manage risk
- Build generational wealth
- Align your financial life with your real life
This is where a solid financial planning strategy matters more than ever.
🧩 The Portfolio Is Just One Piece of the Puzzle
A lot of advisors will zoom in on your investments—how your portfolio is allocated, whether you’re in enough alternatives, how your returns compare to benchmarks.
But here’s the thing: smart investing is important, yes. But at this level, it’s only part of the picture.
True wealth planning means asking:
- How do I minimize taxes on this growing portfolio?
- What’s my plan for income when I slow down—or stop working?
- Is my estate plan built for the legacy I want to leave?
- Am I properly insured to protect the things I’ve worked for?
- Does my portfolio still reflect my values, goals, and family priorities?
🛑 Avoiding the “High-Fee Trap”
Here’s a dirty little secret: many traditional financial advisors see million-dollar portfolios and think, cha-ching.
The industry standard is a 1% fee on assets under management (AUM). That’s $10,000 a year on a $1M portfolio—and much more as your portfolio grows.
At Impact Wealth Management, we charge a flat fee.
- No sliding scale.
- No hidden commissions.
- Just transparent, comprehensive planning.
For many clients, that translates to thousands of dollars in annual savings—money that stays invested and compounding in your future.
🌱 Your Wealth, Your Way
This stage of wealth isn’t about showing off. It’s about showing up—for your family, your goals, your future.
Whether your version of success means:
- Retiring early
- Starting a business
- Giving generously
- Traveling the world
- Or simply sleeping well at night knowing you’re financially secure…
A thoughtful plan can help you get there—with fewer headaches and more confidence.
❤️ Final Thoughts: Your Future Deserves More Than DIY
If you’ve crossed into this next chapter of your financial life, don’t go it alone.
And don’t settle for an advisor who treats you like just another AUM account.
Work with someone who’s in it for the long haul. Someone who sees the whole you—not just your balance sheet.
That’s what we do at Impact Wealth Management. And we’d be honored to help you take the next step.