• 858-771-9500
  • CONTACT
  • CLIENT LOGIN
Centura Wealth Advisory
  • Who We Are
    • Careers
  • Who We Help
  • Exponential Value
  • Our Ecosystem
  • Resources
    • Insights
    • Podcast
    • Learn – The Advisor Website
  • Menu Menu
INVESTING, LIBERATED WEALTH, NEWS

How Centura Supports Goals-Based Investing

financial advisor with two clients

In today’s world, the amount of information an individual has access to is endless. With that being said, it can be challenging to navigate the world of wealth management. With ever-changing market cycles and fluctuations, it’s important to understand your financial goals and how they will guide your portfolio.

How can you sift through all the noise to understand what is best for your financial goals and risk profile? Let’s discuss.

The Role of Emotions in Your Investment Decisions

Understanding the role that emotions play in crafting your wealth profile is one of the first steps in reaching your financial goals. 

In an SEC-sponsored research paper, it’s reported that “investors tend to fall into predictable patterns of destructive behavior. In other words, they make the same mistakes repeatedly. Specifically, many investors damage their portfolios by under diversifying; trading frequently; following the herd; favoring the familiar (domestic stocks, company stock, and glamour stocks); selling winning positions and holding onto losing positions (disposition effect); and succumbing to optimism, short-term thinking, and overconfidence (self-attribution bias).”

Knowing this, how can you understand when you may be falling into these predictable, not so profitable, patterns?

It all begins with an understanding of your goals and your risk profile. These two items are the basis for building out a financial portfolio that performs for your needs. 

Your Advisor’s Role in Achieving Your Financial Goals

Wealth advisors that thoroughly understand your goals and your risk profile can make a huge difference in navigating your wealth. At Centura, our advisors use the Liberated WealthⓇ Process to guide our client relationships. Our goal is to understand your wealth, identify inefficiencies, design new pathways, and liberate your wealth.

So, what does this process look like?

Uncover

As we mentioned above, it all starts with understanding your risk profile and your financial goals. During this step of the process, Uncover, our team collects data, discusses your purpose and path, and discovers all that we need to know about your current wealth profile. This discovery is a crucial step in the process of understanding how our advisors can help you build sustainable wealth.

Unlock

Following the Uncover step, our advisors Unlock the initial plans, scenarios, and strategies to move forward with your portfolio. From the information that is gathered in the Uncover step, our advisors identify your existing strategy and establish a baseline plan. In this stage, your advisor is looking at the “what if” scenarios associated with your portfolio and using them to guide potential new strategies. 

Design

The next step of the Liberated Wealth Process is to actually craft the plan—the Design phase. Your advisor will put together a multi-phase action plan, combined with a wealth scorecard to track your progress.

Liberate

You have now reached the point of implementation. The Liberate step of the process is to implement the plan, coordinate necessary professionals, implement the portfolio, and report on the scorecard.

Steward

Lastly, you get to the Steward step of the process. This step is an ongoing effort of monitoring your plan, reviewing, and recalibrating as needed. The advisor you are working with will help steward you through all of the life events that come your way, whether that is retirement, having a child, starting a business, and the list goes on.

Our goal at Centura Wealth Advisory is to steward our clients toward achieving their financial goals. Want to learn more about why stewardship is at the core of everything we do for our clients? Read on to find out why stewardship is at the core of everything we do.

April 15, 2022
Share this entry
  • Share on Facebook
  • Share on X
  • Share on LinkedIn
  • Share by Mail
  • Link to Instagram
  • Link to Youtube
https://centurawealth.com/wp-content/uploads/2024/08/How-Centura-Supports-Goals-Based-Investing.jpg 1414 2121 centurawealth https://centurawealth.com/wp-content/uploads/2024/07/Centura-Logo-Grey.png centurawealth2022-04-15 16:39:002025-04-08 16:22:16How Centura Supports Goals-Based Investing

SEARCH

INSIGHTS

  • Annual review, business, customer review. Action plan, review evaluation time for review inspection assessment auditing. Learning, improvement, planning and development. End of year business concept.
    Market Month in Review – April 2025
  • Close up of businessman using digital tablet with calendar planner and organizer to plan and reminder daily appointment, meeting agenda, schedule, timetable, and management, event planning
    Q1 2025 Market Wrap: You get a tariff. You get a tariff. Everybody gets a tariff!
  • Long-Term Investing: Why Market Timing Fails and Diversification Wins
  • Ep. 107 Navigating Post-Election Exemption Planning

Connect with us

  • Facebook
  • Instagram
  • LinkedIn
  • YouTube

CONNECT WITH US

  • Link to Facebook
  • Link to X
  • Link to LinkedIn
  • Link to Instagram
  • Link to Youtube

HEADQUARTERS
12255 El Camino Real, Ste 125
San Diego, CA 92130
GET DIRECTIONS
858-771-9500

Our planning fee pricing for income tax planning services is determined using a standardized matrix based on Net Worth, Income, and Meeting Frequency. This base planning fee price may be adjusted to account for increased complexity or the occurrence of a future income event. To project tax savings, we analyze prior year tax returns to determine their past tax liability to project out the following year’s tax liability. Based on facts collected and confirmed by the client, we then identify and evaluate applicable tax strategies and the estimated annual tax savings they would produce if implemented. The estimated annual tax savings are then divided by the annual engagement price proposed to/agreed to by the client to determine the multiple on estimated annual tax savings generated as it relates to the planning fees paid. Please note, these initial projections are preliminary and based on our current understanding of the client’s situation. Outcomes may vary based on client’s decisions or chosen course of action regarding the implementation of recommended strategies, their specific goals, and risk tolerance.

Legal | Privacy Policy | Careers | Disclosures | Form CRS

© 2025 Centura Wealth Advisory. The Centura Wealth Advisory logo is a trademark.

CCG Wealth Management LLC (“Centura”) is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Centura and its representatives are properly licensed or exempt from licensure. For more information click here

Keys to a Successful M&Ashaking handsman working on computerWhat is the Relationship Between an Accountant and a Financial Advisor?
Scroll to top