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, debt, investments, and protection into alignment with your future—so the decisions you make move you forward with clarity and confidence.
Step 1: Map Your Vision
Step 1: Map Your Vision
We define what you actually want your life to look like — your priorities and goals for the next 2, 5, 10, and 20 years. A vision is only real once it has money moving toward it, so this is also where we build your spending plan and savings structure.
Step 2: Build Your Strategy
Step 2: Build Your Strategy
First, we confirm your safety net — emergency fund, and any insurance gaps that need a real number before we can finish your plan. From there, your debt, retirement accounts, and savings aren’t separate decisions — they’re one model, solved together, so every dollar has a place and a reason.
*For clients with student loans, this starts with your repayment strategy — modeling PAYE, RAP, PSLF, and every other path against your specific numbers.
Step 3: Grow Your Wealth
Step 3: Grow Your Wealth
We decide how to minimize what you pay in taxes over your lifetime, not just this year — weighing Roth against pretax retirement accounts and HSAs, directing what’s left into a taxable brokerage account for goals 5–10 years out. We analyze your investment philosophy, educate you on options, and so on.
*For clients with student loans, this also accounts for how it affects your repayment strategy — so your tax plan and loan plan are coordinated.
Step 4: Protect What's Yours
Step 4: Protect What's Yours
We review your disability, life, auto, home or renters, and umbrella liability coverage — then address your trust and estate planning needs. We help you find strategies designed to help address identified financial risks and protection needs.
Step 5: Automate Your System
We put every recommendation into action (that you would like) — automating your contributions and transfers, and putting any applicable insurance coverage in place — so your plan keeps moving without you having to think about it.
For clients with student loans, having my preferred partners actually file the paperwork for you is optional — a separate service, billed separately from your planning fee.
What I'm offering isn't a one time plan — it is an ongoing relationship.
Your plan is the foundation. If you choose to have us also manage your investments, you become a personal CFO client and have a personal portal with all of your accounts connected, documents stored, your portfolio invested, and a minimum of two reviews a year keeping everything current.
WHAT TO EXPECT
Your Wealth by Design Roadmap
Here's exactly how our process works, meeting by meeting — from your onboarding through full implementation, including where our student loan specialists step in to build your repayment strategy.
Map Your Vision
Your Intake & Documents
- Complete Online Questionnaire
- Upload Documents to Vault
- Link Accounts
Planning Team Prep
- Aggregate & Import Accounts
- Preliminary Insurance Review
- Preliminary Tax Questions
Vision Clarity Meeting
- Clarify Goals, Priorities & Values
- Address Open Questions
- Confirm 2/5/10/20-Year Vision
Build Your Strategy
Strategy & Efficiency Study
- Full Efficiency Study
- Goal Modeling & Gap Analysis
- Debt, Retirement & Savings Modeled Together
Strategy Meeting with Dani
- Review Loan Situation
- High-Level Repayment Strategies
- Confirm Fit
Deep Dive with Thatcher
- Pull Loan Data
- Model Repayment Scenarios (PAYE, RAP, PSLF)
- Compare Numbers Side by Side
Delivery & Cash Flow Meeting
- Present Findings & Scenarios
- Cash Flow Models & Goal Targets
- Student Loan Repayment Review
- What It Takes to Reach Your Goals
Though we'll have recommendations, we'll collaborate with you until we find the most appropriate fit.
Grow Your Wealth
Investment & Tax Optimization Meeting(s)
- Investment History & Account Review
- Cash Flow & Tax Analysis
- Tax Prep for Student Loan Repayment Impact
- Retirement Stress Test & Cash Reserve Assessment
- Investment Strategy & Tax Recommendations
Protect What's Yours
Insurance Strategy Meeting(s)
- Life & Disability Insurance Audit
- Employer Benefits Analysis
- Insurance Architecture & Design
- Estate Document Review & Attorney Referral
Automate Your System
Putting It All Into Place
- Implement What We've Recommended
- Automated Contributions & Transfers
- Applicable Insurance Put in Place
Set it up once — walk away for six months, and your plan keeps moving.
Loan Program Enrollment (Optional)
Student loan servicers aren't easy to work with. You're welcome to hire Dani and Thatcher's company to file the paperwork for you — a separate decision, with no compensation to Wealth by Design.
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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