The 5-Step Wealth Optimization Process

Five steps to optimize the management of your wealth.

Step 1: Portfolio Audit

Understand the inner-workings of your portfolio.

During the first step, the portfolio audit, our Chicago wealth advisors create an in-depth analysis of your portfolio called the Portfolio X-Ray.

The Portfolio X-Ray looks at your portfolio's expense ratios, diversification, asset allocation, and other fees to identify its strengths and weaknesses.

By understanding what is working and what is not, our team can help to create a plan that can better reach your goals.

Step 1: Portfolio Audit

Reduced Expense Ratios


Low-Cost Advisory Fee


Minimized Trading Costs


Optimized Asset Location & Allocation


Optimized Portfolio Yield


Optimized Portfolio Diversification

Step 2: Investment Management

A custom-built portfolio based on your goals.

The second step, investment management, focuses on creating a custom portfolio based on your goals.

Based on the Portfolio X-Ray, our team combines the strengths of your current portfolio with our 8-Quadrant Investment Approach to create a custom portfolio designed to meet your financial objectives.

Step 2: Investment Management

Custom-Built Portfolios


4-Quadrant Equity Approach


4-Quadrant Fixed Income Approach


Private Credit Investments


Alternative Investments


Direct Indexing

Step 3: Tax Planning & Preparation

A tax plan built on tax efficiency.

During the third step, tax planning and preparation, our Chicago wealth advisors team will optimize your portfolio's tax strategy to maximize tax efficiency and your after-tax return.

Our team can create a tax strategy to help reduce the effect taxes have on your portfolio by using a combination of tax-efficient securities, gain realization strategies, and withdrawal strategies.

Step 3: Tax Planning & Preparation

Tax Return X-Ray


Tax Analysis & Minimization


Tax-Loss Harvesting


Tax Reporting Package


Intelligent Withdrawal Sourcing


Partnership for Tax Preparation

Step 4: Advanced Financial Planning

Financial planning for every area of your life.

The fourth step, advanced financial planning, builds custom financial plans aimed at achieving your financial goals.

Our team works with you to help create financial, retirement, estate, education, and charitable giving plans designed to benefit you, your wealth, and your family.

Clients work with their advisors to set up their eMoney Wealth Management System (WMS), a tool that allows investors to view all of their financial assets, accounts, and documents in one place.

Step 4: Advanced Financial Planning

Financial Planning


Estate Planning


Insurance Planning


Education & Charitable Giving Planning


Synthetic Pension Creation


Wealth Management System (WMS)

Step 5: Private Banking & Reporting Services

One team dedicated to you and your financial goals

The fifth step, private banking and reporting services, works with your team to oversee, report on, and service your portfolio and accounts and to secure low-rate lending solutions to extend the breadth and reach of your wealth.

At your request, our team can work with you and your outside advisors to help coordinate your financial plan.

Clients can access the wealth management Chicago Partners Portal, low-cost lending solutions, and custom portfolio reports.

Step 5: Private Banking & Reporting Services

Family Office-Style Custom Reporting


Access to Low-Cost Lending 


Asset Transfers & Account Oversight


Coordination with Outside Advisors


Quarterly Interactive Calls


Chicago Partners Portal & App

Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. CP does not serve as an attorney, accountant, or insurance agent. CP does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of CP’s representatives, in their separate individual licensed capacities, can be engaged to provide legal and/or insurance services as described on CP’s written disclosure Brochure (a copy of which is linked to this website) per the terms and conditions of a separate engagement and fee.

Please Also Note: Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by CP) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful.