The BayRock Blueprint
Hi, I’m Jim Munchbach and I wanted to introduce the BayRock Blueprint. It is our signature product.
What is that? The BayRock Blueprint product…
It’s a financial planning tool designed to help you Connect your resources to What Matters Most.
In other words, its a holistic financial planning tool. It’s not a technical planning tool per se, the way a lot of people think about financial planning.
The blueprint is a holistic planning tool that’s based on three really simple planning and coaching principles:
- Vision.
- Values.
- Purpose.
Purpose is something that most Advisors overlook, because most Financial Advisors are sales professionals focused on selling a product or service. At BayRock, the Blueprint is our product and its designed 100% around your vision, values, and purpose. Your purpose is the fuel that propels the outcomes you want in your life.
Our process starts with a conversation about your vision, values, and purpose.
Next, we do a thoughtful “Gap Analysis” across 6 — 7 different financial planning categories, and again those planning categories can be anything from retirement planning, estate planning, tax mitigation, or investment management.
What its designed to do is help you increase your level of clarity and confidence so that you experience more contentment in your life.
So, what you’re able to do is make more informed decisions in the context of “the big picture” instead of doing what most people do… Making one-off financial decisions that don’t connect to the outcomes you really want in your life.
We don’t want you to do that.
- Who’s it for? Well, its not for everyone.
- It is for anyone who wants to make wise decisions with their money.
- Its for people who want to have a proactive, holistic financial plan that’s designed to actually produce better outcomes in your life.
- The BayRock Blueprint is for anyone who wants to experience more clarity, confidence, and contentment in their financial life.
Again, the blueprint is a powerful tool because it helps keep you, your family, and your Financial Advisory team lazer-focused on What Matters Most. The Blueprint makes each and every financial decision in your life more clear and simple.
The BayRock Blueprint works great for complex planning or for families who have bigger legacy goals that require the brain-power of a team of Financial Advisors working together to deliver Smarter Strategies and Better Results.
And, it makes planning for retirement a lot more fun!
So what is it?
Ultimately, its a process for creating a workable plan in all of the common and not so common financial issues of your life.
The top 7 planning issues will be very familiar. So again…
- Retirement Income Planning
- Risk Management (including a thorough insurance review)
- Strategies for Funding Education
- Estate Planning (including updating outdated documents)
- Tax Planning and Advanced Tax Mitigation Strategies
- Investment Asset Allocation (including Private Equity and Alternative Investment strategies as appropriate)
- Cash Flow Management
The Big stuff, the stuff that really matters.
But the Blueprint also helps us plan for more granular issues:
So, let’s look at a few examples of actual outcomes we can create with your Blueprint.
- A few of our clients want Tax Free Income during Retirement.
- Some need to maximize their Social Security benefits for a spouse or for a child with special needs.
- If you’re a business owner, you may be looking for smarter tax strategies to cut your tax bill
- this year — and next year and the year after
- Many of our clients want more growth in their investment portfolio, and
- Most of our older clients want less volatility so they’re not worried about losing money.
- Some folks just need a way to create an investment portfolio that produces a consistent stream of income in retirement
It all starts with a conversation. You talk. We listen.
Our product — The BayRock Blueprint — also addresses several “other” categories because we know every plan is different.
The Blueprint is a powerful and flexible planning tool that’s designed to connect all of your financial resources to What Matters Most — to you. Over the decades, we’ve found the best way to do that is to coordinate with the other specialists you have on your Advisory team.
Here’s why…
Your CPA isn’t talking to your family attorney. Your family attorney isn’t talking to your insurance agent. Your insurance agent is probably not taking to anyone on your advisory team. And, much of the time, your investment guy — is talking to himself.
A good example of how we coordinate is by providing a secure document vault to share not only your Blueprint but all of the other important financial documents that are part of your financial life.
Things like…
- Tax Returns — personal and business returns
- Investment Statements
- Your Will and other estate planning documents
- Your Trust including any Special Needs Trusts
- Your Insurance policies — including car, home, health, life, disability, and Long-Term Care
The Blueprint gives us the ability to coordinate and collaborate with each specialist working on your plan. And, it keeps everybody focused on What Matters Most to you.
That’s the big idea of The BayRock Blueprint.
That’s what the product does and that’s what the Blueprint is.
It really guides and informs our advice. Again, always based on your vision, values, and purpose.
We offer a monthly subscription plan to fit any family’s budget.
When you hire BayRock, we design and help you implement your Blueprint. You can pay a flat monthly subscription, a one time fee, or if you have over $500,000 of investible assets, we offer our Blueprint Product as a complimentary service.
A BayRock Certified Financial Planner™ will coordinate with you and your existing advisors so that you get independent, objective, professional advice. The Blueprint is designed to meet the wealth management needs of independent investors, families, and business owners.
Its how BayRock delivers Smarter Strategies and Better Results.
Before we make any investment recommendations, we spend time understanding your financial needs, wants, and wishes no matter how much — or little — you have to invest.
With your vision, values, and purpose in mind, we design the right investment portfolio and wealth management strategies for you and your family.
For investments, BayRock utilizes the world’s top-tier managers with the most advanced portfolio management technology on the planet.
There are thousands of financial firms to choose from; Investors choose BayRock because we offer a holistic approach to wealth management, world-class investment solutions, and advisor coordination.
The BayRock Blueprint…
It’s our product and our process.
The Blueprint is how we will build our reputation for integrity, independence and reliability. Its how we help independent investors, families like yours, and business owners manage the risk and opportunity of everyday life, recover from the unexpected, and realize their highest purpose.
