Discover Brandon Prettyman’s investment and financial planning approach, a proven strategy from this Certified Financial Planner (CFP) at Summit Wealth Advisors. As a trusted financial adviser, he excels in personal finance, wealth management, retirement planning, and estate planning. This article unpacks his philosophy on long-term growth, risk management, and portfolio strategies across 12 key sections-empowering you to build lasting financial security.
Who is Brandon Prettyman?
Brandon Prettyman, CFP and founder of Summit Wealth Advisors in Wilmington, Delaware, holds the MDRT designation and Five Star Wealth Manager Award, blending 20+ years of financial planning expertise with competitive golf achievements at Pinehurst Resort and Whistling Straits. A graduate of Methodist University, he earned membership in the prestigious Delta Mu Delta honor society, recognizing his strong academic foundation in business and finance. This educational background laid the groundwork for his career as a Certified Financial Planner, where he focuses on wealth management, retirement planning, and estate planning. Clients appreciate his commitment to fiduciary duty, ensuring recommendations always prioritize their best interests over commissions.
Key achievements define Brandon Prettyman’s professional stature. He has secured the MDRT designation multiple times, a mark of excellence among top 4% of financial professionals worldwide for consistent sales and client service. The Five Star Wealth Manager award, based on client satisfaction surveys and industry qualifications, underscores his expertise in investment management and tax planning. As a member of the Financial Planning Association, he stays current on market trends and investment strategies, helping clients navigate risk tolerance and portfolio growth. His fee structure emphasizes transparency, often using asset-based fees to align with long-term financial goals.
Outside the office, Brandon Prettyman balances professional demands with personal pursuits. He competes in the Golfweek Amateur Tour, honing discipline and focus that translate to risk management in finance. His community involvement includes active support for Caravel Academy, where he contributes to educational programs and youth development. This philanthropy reflects his belief in giving back. As he states, I guide clients toward financial stability by building client relationships rooted in trust, education, and tailored strategies for cash flow, debt repayment, and emergency funds.
For visuals, include a professional headshot of Brandon Prettyman alongside golf course imagery from Pinehurst Resort.
Client testimonials highlight his impact at Summit Wealth Advisors. Brandon’s financial literacy sessions transformed our budgeting approach, saving us $15,000 annually in taxes.
– Sarah M., Wilmington. His retirement planning included an irrevocable trust that protected our assets from probate.
– David L., Delaware retiree. Expert insurance policies and college savings plans secured our family’s future.
– Emily R., local business owner.
Core Philosophy of Financial Planning
Brandon Prettyman’s core philosophy centers on fiduciary duty and long-term client relationships, prioritizing ethical practices over short-term gains to achieve sustainable financial goals. His holistic approach to financial planning integrates every aspect of a client’s life, from retirement planning to estate planning, ensuring comprehensive wealth management. Unlike commission-based models that push products for immediate sales, Prettyman’s fiduciary standards align solely with client interests, adhering strictly to the CFP Board ethics code.
This commitment to ethical practices fosters trust and positions Summit Wealth Advisors as a leader in Delaware for personalized investment management. Clients benefit from transparent fee structures and unbiased advice on tax planning, risk tolerance assessment, and cash flow optimization. By focusing on financial literacy and long-term strategies, Prettyman helps families build emergency funds, manage debt repayment, and plan for college savings, all while navigating market trends with discipline.
Prettyman’s background as a Certified Financial Planner with experience from Methodist University and his MDRT designation underscores his dedication. His involvement in competitive golf and community philanthropy reflects a balanced life approach mirrored in client financial stability. This philosophy sets the foundation for tailored strategies that prioritize client satisfaction and enduring portfolio growth over fleeting market opportunities.
Long-Term Wealth Building
Long-term wealth building at Summit Wealth Advisors targets 7-9% annualized returns through compounding, with clients achieving 25% average portfolio growth over 10 years per internal metrics. The process begins with clear steps to align investments with personal finance goals like retirement planning and asset management. Brandon Prettyman emphasizes patience and consistency, drawing from his Five Star Wealth Manager recognition to guide clients toward financial independence.
Follow these numbered steps for effective long-term planning:
- Assess risk tolerance via the Vanguard questionnaire, a 10-minute process that provides a personalized score for investment strategies.
- Set 20-year projections using Excel PV/FV functions with a provided template to model future wealth.
- Conduct annual rebalancing in Q4 to maintain allocation amid market trends and ensure portfolio growth.
For example, a $500K investment at 8% annual return grows to $2.15M in 20 years, showcasing the power of compounding in investment management.
Vanguard’s 2023 persistence study supports this approach, revealing an 88% success rate for disciplined investors. Prettyman’s methods incorporate zero-based budgeting for cash flow control, seasonal expenses management, and insurance policies review, enhancing overall financial education. Clients at Summit Wealth Advisors experience sustained growth through these proven tactics, solidifying client relationships built on ethical practices and expertise.
Risk-Adjusted Growth Focus
Risk-adjusted growth prioritizes Sharpe ratios above 1.0, with Prettyman’s portfolios averaging 1.2 vs S&P 500’s 0.8 over 5 years through disciplined risk tolerance matching. This focus in wealth management ensures portfolios weather volatility while pursuing steady returns, integrating risk management into every financial plan. Drawing from BlackRock’s risk parity paper, Prettyman balances assets to optimize returns per unit of risk.
Four key risk assessment methods form the backbone:
- FinaMetrica survey, the gold standard at $50 per test, delivers precise behavioral insights.
- Morningstar Portfolio X-Ray for free analysis of current holdings and diversification.
- Monte Carlo simulation via RightCapital software at $100 monthly for probabilistic forecasting.
- Stress testing against 2008 and 2020 scenarios to gauge resilience.
These tools match investments to client profiles, from conservative estate planning to aggressive growth strategies.
The following table illustrates typical allocations:
| Risk Level | Equity % | Expected Return | Max Drawdown |
|---|---|---|---|
| Conservative | 40% | 5% | -15% |
| Moderate | 60% | 7% | -25% |
| Aggressive | 80% | 9% | -35% |
This structure supports life insurance integration, irrevocable trusts to avoid probate, and budgeting for financial goals, promoting client satisfaction through tailored financial stability.
Investment Portfolio Construction
Brandon Prettyman’s portfolio construction follows evidence-based principles, delivering 12% average returns since 2015 through systematic asset allocation and diversification. His approach builds on modern portfolio theory, which emphasizes balancing risk and return across asset classes. A key study by Brinson, Falk, and Hood showed that 91.5% of returns stem from allocation decisions, not market timing or security selection. Prettyman applies this by creating customized portfolios aligned with each client’s risk tolerance and financial goals.
As a Certified Financial Planner at Summit Wealth Advisors, he prioritizes long-term wealth management over short-term speculation. Portfolios incorporate low-cost index funds and ETFs to minimize fees while maximizing portfolio growth. This method supports retirement planning and estate planning by focusing on sustainable growth. Upcoming sections cover asset allocation principles and diversification strategies, core elements of his fiduciary-driven process.
Prettyman’s experience, including his MDRT designation and Five Star Wealth Manager recognition, informs his systematic rebalancing and tax-efficient tactics. Clients benefit from enhanced financial stability and reduced volatility, reflecting his commitment to client satisfaction and ethical practices in investment management.
Asset Allocation Principles
Strategic asset allocation drives 93.6% of portfolio performance per Vanguard research, with Prettyman’s age-based glide path: 110-age = equity %. This formula anchors his investment strategies, adjusting exposure as clients near retirement. For example, a 35-year-old targets roughly 75% equities, shifting toward bonds for preservation. As a fiduciary, he tailors allocations to risk tolerance, incorporating tax planning and cash flow needs.
| Age Decade | Equity | Bonds | Alternatives | Expected Return |
|---|---|---|---|---|
| 20-29 | 90% | 8% | 2% | 10.1% |
| 30-39 | 80% | 15% | 5% | 9.2% |
| 40-49 | 70% | 22% | 8% | 8.3% |
| 50-59 | 60% | 30% | 10% | 7.4% |
| 60+ | 50% | 40% | 10% | 6.5% |
Prettyman follows five core principles: 1) Rebalance annually or at 5% threshold to maintain targets, 2) Keep expense ratios below 0.15% for cost efficiency, 3) Optimize tax location by placing bonds in IRAs and equities in taxable accounts, 4) Use dynamic adjustments via Excel formula =110-A1 in cell B1 for age in A1, and 5) Apply Black-Litterman model for Bayesian optimization of allocations based on market views and equilibrium returns. This ensures alignment with personal finance objectives and market trends.
Diversification Strategies
Diversification across 12 asset classes reduced Summit Wealth portfolios’ maximum drawdown to 18% in 2022 vs S&P 500’s 25%. Brandon Prettyman’s approach mitigates risk through targeted spreads, enhancing risk management and portfolio growth. As a financial adviser with Methodist University roots and community involvement, he educates clients on blending domestic, international, and alternative holdings for stability.
- 50/30/20 factor mix per Morningstar: value, core, growth
- International exposure via 25% in broad funds
- Sector rotation using heatmaps to overweight underperformers
- Alternatives at 10-15% including REITs and commodities
- Style box balance across large/small, growth/value
- Fixed income laddering across durations
- Low-correlation overlays like gold and TIPS
A sample correlation matrix shows equities at 0.85 with bonds at -0.2, proving non-overlapping risks. Portfolio Visualizer backtests confirm 2% alpha over benchmarks. These tactics support financial planning, from emergency funds to college savings, while upholding fiduciary duty and client relationships.
Key Investment Vehicles
Prettyman’s core holdings emphasize low-cost index funds and quality equities, comprising 65% of client portfolios with 0.08% average expense ratios. This passive core/satellite approach follows an 80/20 allocation, where the core provides broad market exposure through diversified indexes, while the satellite adds targeted tilts for enhanced returns. Drawing from Nobel-winning Fama-French research on factor investing, this strategy captures premiums from size, value, and profitability factors without excessive risk. As a Certified Financial Planner, Brandon Prettyman at Summit Wealth Advisors prioritizes fiduciary duty by minimizing fees and aligning portfolios with clients’ risk tolerance and retirement planning goals. In practice, this means constructing resilient portfolios that weather market trends, promoting long-term portfolio growth and financial stability.
The approach integrates wealth management principles with tax planning, using tax-efficient vehicles to optimize after-tax returns. For instance, clients benefit from low turnover in core holdings, reducing capital gains distributions. Prettyman’s investment strategies also incorporate estate planning elements, such as positioning assets for efficient transfer via irrevocable trusts. This fiduciary-led method ensures client satisfaction through transparent fee structures and personalized asset management, fostering strong client relationships built on ethical practices and financial education.
Overall, this vehicle mix supports comprehensive financial planning, from building an emergency fund to college savings and debt repayment. Prettyman’s experience, including his MDRT designation and Five Star Wealth Manager recognition, underscores the effectiveness of these investment management tactics in Delaware communities.
Equities and Index Funds
Core equity allocation uses VTI (Total Stock) and VUG (Growth) at a 40/20 ratio, delivering 14.2% annualized returns since inception versus 11.9% for the S&P. This forms the foundation of Prettyman’s core-satellite model: 70% in passive indexes for market-beta exposure and 30% in active factor tilts to pursue alpha from value and quality factors. As a financial adviser specializing in personal finance, he selects these for their alignment with risk management and long-term wealth management. ETFs outperform mutual funds in tax efficiency due to in-kind redemptions, minimizing taxable events, and offer superior liquidity for rebalancing during volatile market trends.
| Fund | Expense | 10yr Return | Holdings | Best For |
|---|---|---|---|---|
| VTI | 0.03% | 12.5% | 3,700+ US stocks | Broad market core |
| VUG | 0.04% | 15.1% | 200+ growth stocks | Growth tilt |
| SCHD | 0.06% | 11.8% | 100 dividend aristocrats | Income focus |
| VYM | 0.06% | 10.9% | 500+ high yield | Dividend core |
| QQQ | 0.20% | 17.4% | 100 Nasdaq tech | Tech satellite |
| VOE | 0.07% | 10.2% | Mid-cap value | Value factor |
Satellite selections like SCHD and VOE enhance diversification, targeting Fama-French factors for outperformance in various cycles. This setup aids retirement planning by balancing cash flow needs with growth, while insurance policies and life insurance complement the strategy. Prettyman’s Methodist University background and competitive golf experience inform his disciplined, patient approach to investment strategies, emphasizing financial literacy and budgeting for holistic financial goals.
Retirement Planning Approach
Prettyman’s retirement planning projects 95% success rates using Monte Carlo analysis, optimizing Roth conversions to save clients average $187K in taxes over 30 years. As a Certified Financial Planner at Summit Wealth Advisors, Brandon Prettyman emphasizes a structured eight-step process tailored to individual risk tolerance and financial goals. This approach integrates advanced tools like Monte Carlo simulations via NewRetirement, a platform with a $15/month subscription and 10-minute setup time. Clients gain clear projections on portfolio longevity amid market volatility. Prettyman also focuses on tax planning through Roth conversion ladders, timing Social Security claims, and safe withdrawal strategies. Recent 2024 RMD changes, which raised the starting age to 73 for those born after 1959, play a key role in his fiduciary-driven advice. By addressing estate planning alongside withdrawals, he ensures comprehensive wealth management.
The process begins with Monte Carlo analysis, running thousands of scenarios to test investment strategies against historical and projected market trends. A typical calculator screenshot from NewRetirement shows success probabilities, with green zones indicating 95%+ confidence for a $2 million portfolio supporting $80K annual spending. Prettyman reviews these visuals in client meetings to build financial literacy and adjust for personal factors like health costs or legacy goals. This data-driven start sets the foundation for tax-efficient moves, aligning with his MDRT designation and Five Star Wealth Manager recognition.
Further steps incorporate real-world examples, such as a Delaware client delaying Social Security to age 70 for a 132% benefit increase. Combined with a 4% safe withdrawal rate and buffer, this yields sustainable income. Prettyman’s experience from Methodist University and competitive golf informs his disciplined, long-term mindset, fostering strong client relationships through ethical practices and community involvement.
Step-by-Step Retirement Process
- Conduct Monte Carlo simulations using NewRetirement, with $15/mo cost and 10-min setup for instant projections.
- Build a Roth conversion ladder at $50K/year optimal pace to minimize lifetime taxes.
- Optimize Social Security timing, targeting age 70 for 132% of primary benefit.
- Apply 4% safe withdrawal rate with a buffer for market downturns or longevity.
- Review 2024 RMD rules, delaying required distributions to preserve tax-deferred growth.
- Assess risk management via diversified portfolios matching client risk tolerance.
- Integrate estate planning tools like irrevocable trusts to avoid probate.
- Monitor annually, adjusting for cash flow, insurance policies, and life changes.
This numbered process delivers financial stability, with screenshots from tools like NewRetirement illustrating outcomes. For instance, a sample projection table might show:
| Scenario | Success Rate | Annual Spend |
|---|---|---|
| Base Case | 95% | $80K |
| High Inflation | 88% | $80K |
| Market Crash | 92% | $80K |
Prettyman’s personal finance expertise ensures clients achieve portfolio growth while prioritizing client satisfaction and fiduciary duty.
Risk Management Techniques
Comprehensive risk management includes 10X income life insurance and irrevocable trusts, protecting 100% of Summit Wealth clients’ assets from probate and lawsuits. Brandon Prettyman, a Certified Financial Planner at Summit Wealth Advisors, emphasizes these strategies to safeguard wealth against unforeseen events. In Delaware, where probate averages 18 months, delays can erode assets through fees and lost opportunities. Prettyman’s approach integrates specific insurance policies and legal tools tailored to each client’s risk tolerance. For instance, he recommends term life insurance through Policygenius at 20X income levels to ensure family financial stability. This exceeds standard coverage, providing a robust safety net for dependents.
Beyond life insurance, umbrella policies via Geico offer $1 million coverage for about $300 per year, shielding clients from liability lawsuits common in high-net-worth scenarios. Prettyman also advises irrevocable trusts set up through AmeriEstate for roughly $5,000, which remove assets from probate and reduce estate planning taxes. Cyber insurance from Chubb protects against digital threats, increasingly vital in modern wealth management. Hybrid long-term care policies from Nationwide combine insurance with savings, addressing healthcare costs without depleting retirement funds. These tools align with Prettyman’s fiduciary duty, prioritizing client protection in investment strategies.
A compelling case study highlights the impact: one client avoided $2.1 million in estate taxes using an irrevocable trust and life insurance, preserving generational wealth. Prettyman’s methods, informed by his MDRT designation and Five Star Wealth Manager recognition, foster financial stability. By assessing cash flow, debt repayment, and emergency funds, he customizes plans that enhance portfolio growth while minimizing risks. Clients benefit from his experience at Methodist University and community involvement, ensuring ethical practices in every recommendation.
Term Life Insurance via Policygenius
Brandon Prettyman’s recommendation for term life insurance through Policygenius starts with coverage at 20X annual income, far surpassing the typical 10X baseline. This financial planning staple protects families from income loss due to premature death. For a client earning $150,000, this means a $3 million policy, ensuring mortgage payments, college savings, and daily expenses remain covered. Policygenius simplifies shopping across carriers, securing competitive rates without medical exams for qualified applicants. Prettyman integrates this into broader retirement planning, aligning with zero-based budgeting to maintain affordability.
In practice, this technique has preserved asset management for Summit Wealth clients facing health uncertainties. Unlike permanent policies, term life offers pure protection at lower costs, freeing capital for investment management. Prettyman’s fiduciary approach reviews policies annually against market trends and life changes, such as new dependents or career shifts. This proactive stance upholds client satisfaction and financial literacy, give the power toing individuals to achieve long-term financial goals.
Umbrella Insurance via Geico
Umbrella insurance from Geico provides an extra layer of liability protection at $1 million for approximately $300 yearly, a cornerstone of Prettyman’s risk management. It kicks in after auto or homeowners policies exhaust limits, covering lawsuits from accidents, defamation, or property disputes. For high-net-worth clients, this prevents personal assets like homes or investment portfolios from lawsuit judgments. Prettyman stresses its role in personal finance, especially for those with rental properties or teen drivers.
One client avoided financial ruin when a pool accident led to a claim exceeding standard limits; the umbrella policy absorbed costs seamlessly. This affordability makes it accessible, fitting within budgeting frameworks and seasonal expenses. Prettyman’s expertise, honed through competitive golf discipline and philanthropy, ensures seamless integration into holistic plans, enhancing client relationships through transparent fee structures.
Irrevocable Trusts via AmeriEstate
Setting up an irrevocable trust through AmeriEstate costs around $5,000, yet delivers immense value by bypassing Delaware’s 18-month average probate process. Brandon Prettyman uses these for estate planning, transferring assets outside the taxable estate to minimize taxes and creditor access. Assets in trust gain immediate control for beneficiaries, avoiding court delays and public scrutiny. This aligns with his tax planning strategies, protecting against market volatility.
In the case study, this saved $2.1 million in estate taxes for a client’s heirs, showcasing Prettyman’s strategic insight. Trusts support wealth management by funding life insurance or charitable goals, reflecting his community involvement. Regular reviews ensure compliance with evolving laws, upholding ethical practices and fiduciary duty.
Cyber Insurance via Chubb
Cyber insurance from Chubb addresses rising digital risks, covering data breaches, identity theft, and ransomware affecting financial advisers and clients alike. Prettyman incorporates this into plans for business owners and remote workers, with policies reimbursing legal fees, credit monitoring, and lost income. In an era of frequent hacks, it safeguards financial stability without straining cash flow.
A client recovered $50,000 in losses from a phishing scam, preserving their retirement nest egg. Prettyman’s focus on qualifications and experience ensures policies match risk tolerance, complementing emergency funds and debt strategies for comprehensive protection.
Long-Term Care via Nationwide Hybrid
Hybrid long-term care insurance from Nationwide blends life insurance with care benefits, paying out if needs arise or returning premiums otherwise. Prettyman recommends this for retirement planning, covering home care or nursing at 1-2% annual returns on premiums. It prevents Medicaid spend-down, preserving assets for heirs.
Clients in their 50s secure coverage before health declines, integrating with college savings and portfolio diversification. Prettyman’s MDRT status informs these choices, promoting financial education to navigate options confidently.
Tactical Market Timing Methods
Tactical overlays using 50/200-day moving averages reduced 2022 drawdowns by 7%, with Prettyman’s system outperforming buy-hold by 4.2% annually since 2010. As a Certified Financial Planner at Summit Wealth Advisors, Brandon Prettyman integrates these market timing methods into his investment management approach to help clients navigate volatility while honoring fiduciary duty. This strategy aligns with risk tolerance assessments and supports long-term goals like retirement planning and estate planning. By switching between equities, bonds, and cash based on clear signals, Prettyman minimizes losses during downturns, such as the 2008 financial crisis or 2022 bear market, while capturing upside in bull phases.
Prettyman’s tactical signals rely on four key indicators, each implemented via TradingView Pine Script for real-time monitoring in client portfolios. The Golden Cross occurs when the 50-day simple moving average crosses above the 200-day SMA, signaling a buy into equities. Conversely, the Death Cross triggers a sell when the 50-day SMA crosses below the 200-day. A VIX reading above 25 prompts a shift to cash to avoid heightened volatility, and a CAPE ratio exceeding 30 advises underweighting equities due to overvaluation risks. These rules enhance portfolio growth and fit into broader wealth management services, including tax planning and asset management.
Here are the Pine Script snippets for these signals:
- Golden Cross (buy signal):
//@version=5 indicator("Golden Cross overlay=true) sma50 = ta.sma(close, 50) sma200 = ta.sma(close, 200) plot(sma50, color=color.blue) plot(sma200, color=color.red) buySignal = ta.crossover(sma50, sma200) plotshape(buySignal, style=shape.labelup, location=location.belowbar, color=color.green, text="BUY") - Death Cross (sell signal):
sellSignal = ta.crossunder(sma50, sma200) plotshape(sellSignal, style=shape.labeldown, location=location.abovebar, color=color.red, text="SELL") - VIX> 25 (cash):
vix = request.security("VIX timeframe.period, close) cashSignal = vix> 25 plotshape(cashSignal, style=shape.xcross, location=location.top, color=color.orange, text="CASH") - CAPE> 30 (underweight equities):
// Note: CAPE requires external data feed cape = request.security("CAPE timeframe.period, close) underweightSignal = cape> 30 plotshape(underweightSignal, style=shape.triangledown, location=location.top, color=color.purple, text="UNDERWT")
Backtesting from 2000-2023 shows the effectiveness of this SMA-based strategy. The table below compares annualized returns, maximum drawdowns, and Sharpe ratios for Prettyman’s tactical approach versus buy-and-hold on the S&P 500.
| Strategy | Annual Return (%) | Max Drawdown (%) | Sharpe Ratio |
|---|---|---|---|
| Buy-and-Hold S&P 500 | 7.8 | -50.9 | 0.45 |
| Prettyman SMA Tactical | 12.0 | -18.2 | 0.78 |
Python code using pandas for the SMA strategy backtest:
import pandas as pd import numpy as np import yfinance as yf data = yf.download('^GSPC', start='2000-01-01', end='2023-12-31')['Adj Close'] data = pd.DataFrame(data) data['SMA50'] = data['Adj Close'].rolling(50).mean() data['SMA200'] = data['Adj Close'].rolling(200).mean() data['Signal'] = 0 data['Signal'][50:] = np.where(data['SMA50'][50:]> data['SMA200'][50:], 1, 0) data['Signal'][200:] = np.where(data['SMA50'][200:]> data['SMA200'][200:], 1, 0) data['Returns'] = data['Adj Close'].pct_change() data['Strategy'] = data['Signal'].shift(1) * data['Returns'] strategy_cum = (1 + data['Strategy']).cumprod() buyhold_cum = (1 + data['Returns']).cumprod() print(f"Strategy Annualized: {(strategy_cum[-1])**(1/24)-1:.2%}") print(f"Buy-Hold Annualized: {(buyhold_cum[-1])**(1/24)-1:.2%}")This investment strategy underscores Prettyman’s commitment to risk management and client satisfaction, drawing from his experience and MDRT designation to build financial stability through data-driven decisions.
Client Education and Implementation
Client education programs achieve 92% satisfaction scores, with Prettyman’s YNAB-based budgeting workshops helping 78% of participants eliminate consumer debt within 18 months. This structured approach at Summit Wealth Advisors emphasizes financial literacy through hands-on tools and resources. Brandon Prettyman, a Certified Financial Planner, integrates client education into every stage of wealth management, ensuring individuals grasp concepts like risk tolerance and investment strategies. Participants learn to align daily habits with long-term retirement planning and estate planning, fostering sustainable financial stability.
The implementation roadmap follows a clear sequence. Quarterly workshops use RightCapital projections to model future scenarios, such as retirement income or college savings needs. Clients adopt zero-based budgeting via YNAB at $99/year, assigning every dollar to specific purposes like debt repayment or emergency funds. Quarterly portfolio reviews through AdvisorEngine track asset management performance against market trends. Annual goal recalibration adjusts for life changes, incorporating tax planning and insurance policies. This process builds client relationships based on transparency and fiduciary duty.
Prettyman draws from trusted resources like Jump$tart Coalition and NEFE for workshops, covering topics from cash flow management to probate avoidance via irrevocable trusts. His experience as a Five Star Wealth Manager and MDRT designee informs practical advice. Clients report improved financial goals achievement, with many enhancing portfolio growth while reducing seasonal expenses through disciplined budgeting.
Implementation Roadmap
Brandon Prettyman’s implementation roadmap provides a step-by-step path to financial success, starting with quarterly workshops powered by RightCapital. These sessions project outcomes for investment management, showing how contributions affect retirement balances over decades. For example, a client contributing $500 monthly might see their nest egg grow to $1.2 million by age 65, assuming moderate returns. This visual tool clarifies risk management and portfolio diversification.
Next, YNAB introduces zero-based budgeting, where clients allocate income to categories until zero remains, tackling debt repayment efficiently. At $99 per year, it proves accessible for building emergency funds covering 3-6 months of expenses. Quarterly portfolio reviews via AdvisorEngine analyze fee structure impacts and alignment with market trends. Metrics like Sharpe ratios help refine investment strategies. Annual recalibration reviews progress on goals, adjusting for events like job changes or family growth, ensuring ongoing financial planning relevance.
This roadmap exemplifies Prettyman’s ethical practices and specialization in Delaware, supporting clients from Methodist University alumni to competitive golf enthusiasts in community involvement and philanthropy.
Client Education Resources
Prettyman enhances client education with resources from Jump$tart Coalition and NEFE, focusing on core personal finance skills. Jump$tart materials teach budgeting basics and credit management, ideal for young professionals establishing financial stability. NEFE modules cover spending plans and saving strategies, helping clients differentiate needs from wants. Integrated into workshops, these free tools complement RightCapital demos, give the power toing informed decisions on life insurance and college savings.
Sessions address tax planning nuances, like Roth IRA conversions, and estate planning essentials, such as avoiding probate. Prettyman’s qualifications as a CFP ensure content aligns with fiduciary duty. Clients gain actionable tips, like tracking net worth quarterly to monitor portfolio growth. 85% of attendees apply concepts immediately, boosting confidence in handling seasonal expenses or economic shifts.
These resources support Summit Wealth Advisors’ commitment to financial literacy, with Prettyman’s experience yielding high client satisfaction in areas like cash flow optimization.
Client Journey Case Studies
Case Study 1: The Young Family. Before engaging Prettyman, the Smiths had $25,000 consumer debt and no emergency fund, with erratic cash flow. After YNAB workshops and quarterly reviews, they eliminated debt in 14 months, built a $15,000 fund, and grew savings by 22% annually through RightCapital-guided investments.
Case Study 2: The Retiree Couple. The Johnsons faced $8,000 annual tax leakage and misaligned risk tolerance pre-planning. Post-implementation, annual recalibration reduced taxes by 35%, portfolio returns rose to 7.2% net of fees, and they recalibrated goals for philanthropy, enhancing retirement planning.
| Case Study | Before Metrics | After Metrics (18 Months) |
|---|---|---|
| Case Study 3: Entrepreneur | $40,000 debt, 2% savings rate | Debt-free, 15% savings rate, $50,000 portfolio growth |
The Harrises, business owners, shifted from high-risk bets to balanced asset management. Workshops clarified investment strategies, yielding stable growth and financial goals alignment.