Build Wealth Today. Prepare for Tomorrow.
The Wealth Builder Program is for people who are still growing their wealth and want to start preparing for retirement with a clear strategy.
The program helps you build consistent investing habits and adjust your contributions over time as your income, priorities and life circumstances change, guided by a personalized financial plan shaped around your goals, timeline and comfort with risk.
Investing involves risk, including the possible loss of principal.
Are You Building Wealth on Purpose?
During your working years, it is easy to save without a strategy: a little in a workplace plan, a little in savings and good intentions for the rest. A clear plan can help turn those efforts into steady progress.
Consider these important questions:
- Am I saving enough for the retirement I want?
- Am I making full use of my workplace retirement plan?
- Should I save in tax-deferred accounts, Roth accounts or both?
- Is my investment mix right for my timeline and comfort with risk?
- How should my contributions change as my income grows?
- Do I have an emergency fund and appropriate protection in place?
- Am I making progress toward goals beyond retirement?
A personalized financial plan can help you see how different contribution approaches may support your long-term goals.
How the Wealth Builder Program Works
A Personalized Financial Plan
Every program begins with understanding what matters to you: your goals, your timeline and your comfort with risk.
From there, a personalized financial plan helps you see where you are today and what it may take to reach the retirement and life goals you envision.
Consistent Investing Habits
Building wealth is often less about timing the market and more about time in the market. The program helps you set up a consistent, automated approach to investing so progress happens month after month.
Investing involves risk, including possible loss of principal. Systematic investing does not assure a profit or protect against loss in declining markets.
Contributions That Grow With You
Your income, priorities and life circumstances will change, and your plan should change with them.
We help you adjust contributions over time, for example after a raise, a new job, a growing family or paying off debt, so your strategy keeps pace with your life.
Tax-Smart Saving
Where you save can matter as much as how much you save. We help you think through workplace plans, IRAs, Roth accounts and taxable investing, and how each may fit your long-term strategy.
EFC does not provide legal or tax advice. Please consult a qualified tax professional.
Protection & Progress Reviews
A strong plan also protects what you are building. We review emergency savings and insurance considerations so an unexpected event does not derail your progress.
Regular reviews help track your progress, rebalance as appropriate and keep your strategy aligned with your goals.
Who Is the Wealth Builder Program For?
The program may be appropriate for:
- Early- and mid-career professionals
- Young families balancing today’s needs with tomorrow’s goals
- Business owners and self-employed individuals
- Nurses, teachers, firefighters, law enforcement and federal employees
- People ten to twenty or more years from retirement
- Anyone who wants to invest consistently with guidance
Wealth is built over time through purposeful habits. The earlier you start, the more time your plan has to work.
From Building Wealth to Retiring Well, One Connected Plan
The Wealth Builder Program is designed to grow with you. As retirement approaches, your plan can transition into our Code 2 Retirement™ framework, which coordinates growth, income, safety, tax planning and cash for the next stage of life.
When an advisory relationship is established, recommendations are based on your circumstances, goals and the information you provide, and your strategy is reviewed as markets, laws and your life change.