Our PILOT Process
Engage in our propietary P.I.L.O.T process and achieve the retirement of your dreams worry-free.
LET'S START A CONVERSATIONOur Financial Planning Process is Simple
Discover Your Needs
You lead your appointment. During your first 15-minute consult we will discuss your expectations, goals, concerns, time horizons, and existing investments. We want to learn as much as possible about what’s important to you, helping you define your own financial success.
Create a Plan
Using the information you’ve given us, and a financial analysis process we’ve spent years developing, we’ll create a financial plan for you. It’s effectively a roadmap tailored to your goals and risk tolerance. We do all the research for you, and keep on top of the latest news and trends, so you can focus on living your life.
Reach Your Goals
After reviewing your plan, we can adapt your existing portfolio or create a whole new one for you. We take into account a number of factors in the process including: economic factors and trends, proper diversification of assets, manager selection, risk and tax analysis, and correlation to other investments. You’ll have secure 24/7 access to our wealth management interface from anywhere in the world to monitor your portfolio.
Monitor & Review
Your financial plan is a living document. We’ll continuously work with you throughout your lifetime to implement, manage and update your total financial plan. You can meet with us as often as you like for reviews and updates. When any big changes occur in your life, we’re here to help.
The PILOT Process
True financial planning is about more than investments alone. Your financial life is interconnected — investments, taxes, estate planning, risk management, income strategy, and long-term decision-making all affect one another. When those pieces are handled separately, important gaps are often missed.
At Advocate Wealth Solutions, we use our proprietary PILOT Process to help families create a more coordinated financial strategy — one designed to build, preserve, and transfer wealth intentionally over time.
We strive to fully inform you of your options and help you make wise decisions.
Here are the 5 steps.
P — Portfolio Positioning
Most investment portfolios are built with one primary objective: growth.
But as life evolves, your financial strategy should evolve with it. A portfolio designed for accumulation during one stage of life may no longer be appropriate as your goals, income needs, or risk tolerance change.
Our financial advisors begin by evaluating whether your portfolio is truly aligned with your current objectives — not simply whether it has performed well historically. This includes reviewing allocation strategy, risk exposure, liquidity needs, income considerations, and how your investments integrate with the rest of your financial plan.
I — Income & Tax Strategy
What you earn matters. What you keep matters more.
Without thoughtful tax planning, families often lose substantial wealth over time. It doesn't have to happen. It's a result of lack of coordination between investment and tax decisions.
We help clients evaluate how income is generated, where assets are held, and how future distributions may impact taxation over time. The objective is not simply reducing taxes this year — but creating a long-term strategy designed to improve tax efficiency across multiple stages of life.
L — Longevity & Life Event Stress Testing
A strong financial plan should be able to adapt. Markets fluctuate. Tax laws change. Health events happen. Businesses transition. Families evolve.
That’s why we stress-test financial strategies against a wide range of potential scenarios to evaluate how the plan may hold up under pressure.
This process helps our clients better understand the impact of major life events, economic uncertainty, market volatility, healthcare expenses, inflation, and longer life expectancy — before those situations arise.
O — Ownership & Control
Building wealth is only part of the equation. Protecting and transferring it properly is equally important.
Many families have investment accounts, wills, insurance policies, and beneficiary designations that were created independently years ago and never fully coordinated.
The result can be unnecessary complexity, avoidable taxes, probate exposure, or plans that no longer reflect current wishes.
Because our team includes both estate planning attorneys and financial service professionals, we help clients align the legal and financial sides of their planning into one cohesive strategy.
T — Transfer of Risk
Certain risks are part of building long-term wealth. Others have the potential to create significant financial disruption if left unaddressed.
We help clients identify areas where risk can be mitigated, transferred, or strategically managed.
Financial decisions rarely exist in isolation. The PILOT Process was designed to bring together investment management, tax strategy, estate planning, and risk management into one integrated planning framework — helping clients make more informed decisions with greater clarity, confidence, and long-term purpose.
We are an independent agency, meaning our process allows us to serve you free from institutional or product bias. We have a large universe of wealth solutions available for you and your family.
Fee-Based Financial Planning
We are a fee-based financial planning firm. This means that you’ll never have to worry about getting hit with hourly bills when you call us. Feel free to call us at any time with questions, or if you just need advice. We work with you as a fiduciary and an advocate.