Where Your Money Meets Your Purpose
The Wealth by Design Method
Your finances should reflect the life you’re building. The Wealth by Design Accelerator Method is a simple, strategic process that brings your income, investments, and protection into alignment with your future—so every decision moves you forward with clarity and confidence.
Step 1: Map Your Vision
Step 1: Map Your Vision
Before your money can align with your future, we start by defining what you actually want your life to look like—your priorities, your values, and what you’re working toward. From there, we build a clear, intentional spending plan that reflects those goals, ensuring your income, lifestyle, and long-term vision are all moving in the same direction. The result is a plan where every dollar has a purpose and supports the future you’re creating.
Step 2: Optimize Opportunity Fund
Step 2: Optimize Opportunity Fund
We create a strategic foundation for your cash, anchored by high-yield savings and enhanced with additional growth opportunities when aligned with your goals and lifestyle. Whether it’s a high-yield savings account, a taxable brokerage account, VUL strategies, or a combination, we structure your cash so it’s strategically positioned, easily accessible, and fully aligned with what you’re working toward. The result is liquidity, flexibility, and forward momentum.
Step 3: Tax-Smart Investment Plan
Step 3: Tax-Smart Investment Plan
We establish a disciplined foundation through tax-advantaged investing and strategic debt management, then expand into more sophisticated planning as your financial life evolves. From IRAs and Roth conversions to charitable strategies like donor-advised funds and executive compensation planning, we bring every element into alignment—so your wealth can grow efficiently, intentionally, and in sync with the rest of your financial life.
Step 4: Protect Your Wealth
Step 4: Protect Your Wealth
True alignment comes from security, not just growth. We establish a core layer of protection, then expand into more advanced strategies as your needs evolve—such as income protection, disability insurance, long-term care, and estate planning. The result is a coordinated approach where your income, assets, and legacy are protected, integrated, and built to last, all in support of your long-term vision.
Ever wonder how successful women align their spending and investing so they can enjoy today while building for tomorrow?
Download the Financial Confidence Checklist and take your first step toward designing your finances.
This checklist is designed to help you get a clearer picture of your finances by guiding you through the key questions and decisions that matter most. By the end, you’ll better understand where you stand and the next steps to take with confidence.
Inside you'll learn:
How to confidently manage and master your cash flow
Strategies to make smarter, more tax-efficient financial decisions
Ways to protect and preserve the wealth you’re building
Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 800-873-7637, www.htk.com. Any other listed entities are unaffiliated with Hornor, Townsend & Kent, LLC. The views expressed are those of the presenting party and may not necessarily represent those of HTK or its affiliates. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal situation and a qualified legal professional for your personal estate. Wealth by Design is not affiliated with Horner, Townsend, & Kent, LLC.
We are insurance and securities licensed in our resident state of PA, as well as other states. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.
Our representatives are licensed to offer insurance and security products in our resident state(s) of Arizona, in addition to other states. For additional licensing information please contact our office. This is not an offer or solicitation of products and/or services in states where not properly licensed and/or registered.
CA #4488754
Approval Code: 8953898DH_JUNE28
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