Advanced Financial Planning




Step 4: Advanced Financial Planning

The fourth step in the 5-Step Process gives you tools that allow you to monitor every aspect of your financial life. You'll also receive access to advanced solutions that expand the depth and reach of your wealth.

When this step is complete, you'll be able to monitor all your financial information, create custom cash flow projections, and keep all your financial documents in one secure location.

You'll also have a complete estate plan, with options to create charitable accounts that benefit you and the organization(s) of your choice, an expanded line of credit, and enhanced mortgage solutions.

Included in this step:



  • Estate Planning

  • Philanthropy & Donor-Advised Funds

  • Mortgage Solution

  • Wealth Management Systems (eMoney)

  • Pledged Asset Line (PAL)




Estate Planning




Your estate plan protects your assets & your loved ones. 

If creating an estate plan is one of your financial goals, you can choose to work with one of our outside estate planning partners to build your estate plan. 

Chicago Partners will ensure your portfolio and the rest of your financial plan is aligned with your new estate plan.

Your estate plan should serve as a comprehensive plan that includes:

  • Beneficiary Designations
  • Powers of Attorney
  • Wills
  • Trust Creation
  • Estate Tax Planning
  • Life Insurance




Wealth Management Systems (eMoney)





You'll receive access to the wealth planning tool, WMS.

Your WMS account is linked directly to your accounts, drawing data in real-time to give you current information about your financial status.

With WMS's cash flow projection capabilities, you can see how your current rate of spending and your current budget will affect your future net worth. 

Your WMS account will give you access to these tools, including:

  • Cash Flow Projections
  • Spending & Budgeting Recommendations,
  • Account Balance Information
  • Investment Impact on Net Worth




Philanthropy & Donor-Advised Funds




Chicago Partners can help you create the optimal strategy for charitable giving.

We can also advise you on investing with a donor-advised fund, or DAF, which is a specific charitable-giving vehicle.

Given their flexibility and significant tax advantages, DAF's are the fastest growing charitable vehicle for philanthropic investors.

A DAF offers several advantages when creating a charitable fund:

  • Your contributions immediately receive the maximum tax deduction
  • Your contribution is invested and grows tax free
  • You advise the fund as to which charities will receive grants




Pledged Asset Line (PAL)




A pledged asset line of credit (PAL) can help you leverage your existing portfolio.

A PAL is a revolving credit line that allows you to increase your borrowing power by pledging the value of your eligible assets.

Through our institutional partnerships, we have access to competitive rates and provide you with specialized liquidity options to expand the impact of your wealth.




Mortgage Solution



In order to help you secure the optimal financing solution, we've partnered with one of the most trusted mortgage brokers in the U.S. to provide you with exclusive personal service and advice.

Our partnership will help you find the lowest rates and simplify the mortgage process so that you are always in the most financially beneficial product.