Planning and Management

Purpose-Built Planning is Cash Flow Planning.

Central to the philosophy of Purpose-Built Planning is our focus on Cash Flow Planning, a critical component that ensures clients can effectively manage their finances, meet short-term needs, and secure long-term financial goals.

The Importance of cash flow planning

Cash flow is the lifeblood of personal financial management and is the foundation on which every financial decision is built. Without a clear understanding of cash flow, it becomes difficult to assess the sustainability of your lifestyle, plan for future goals, or effectively manage debt.

https://lecontewealth.com/wp-content/uploads/2025/06/chalk.jpg

a personalized approach

We recognize that each client’s financial situation is unique, which is why we take a personalized approach to cash flow planning. Whether you’re building wealth, preparing for retirement, or managing income in retirement, our goal is to help you develop a plan that ensures you can meet both your immediate needs and your long-term goals.

Our team takes the time to understand your income sources, regular expenses, debts, and financial goals. We then work with you to create a cash flow strategy that helps you strike the right balance between saving, investing, and spending. This means ensuring you are setting aside enough to meet future goals, such as retirement, while still having enough flexibility to enjoy life today.

Cash Flow Planning
for Different Life Stages

Accumulation Phase

For clients still in the accumulation phase, cash flow planning is about maximizing income and savings while minimizing unnecessary spending. We work with clients to create budgets, set savings goals, and identify opportunities for optimizing their cash flow. The goal during this phase is to put money to work in investment accounts, retirement savings, and other long-term financial vehicles.

Transition to Retirement

As clients approach retirement, the focus of cash flow planning shifts. It's no longer about maximizing savings but ensuring that the money you’ve accumulated will sustain you throughout retirement. We help clients create withdrawal strategies that minimize taxes and optimize income. At this stage, understanding cash flow becomes critical for ensuring that funds are available when needed while preserving wealth for future generations.

Distribution Phase

This is where LeConte Wealth really excels. World class wealth management requires expertise in fixed income securities selection, trading and monitoring. As active investors in Agencies, Corporates and Tennessee municipal bonds since 1987, we offer nearly 4 decades of fixed income experience to our clients. For clients already in retirement, cash flow planning is centered on sustainability. We help retirees manage the distribution of their assets, balancing income needs with the desire to protect their wealth. Our expertise in creating tax-efficient withdrawal strategies ensures clients can enjoy their retirement years without the worry of running out of money.

What sets LeConte Wealth apart is our commitment to providing a holistic view of your financial life. We don’t just look at cash flow in isolation; we consider how it fits into the broader context of your investment strategy, tax planning, and long-term goals. Our cash flow planning is integrated with your overall financial strategy, ensuring that your resources are allocated in a way that supports both your immediate needs and your future aspirations.

We also understand that life can change unexpectedly. That’s why our cash flow planning is dynamic, with regular reviews and adjustments to reflect changes in your life circumstances, financial goals, or market conditions. We provide ongoing guidance and make sure that your financial strategy evolves as your needs and goals shift over time.
We advise clients with practical, proven strategies to grow their net worth. And, when you move from accumulating assets to spending them, we have the tools and expertise to make it last.

LeConte Wealth ManagementHeadquarters

We have an open door policy. Give us a visit.

4th Floor
333 East Broadway Avenue,
Maryville, TN 37804

Voice - (865) 379-8200

Fax - (888) 236-6630

[email protected]

lecontewealth.com

Get in touchLeConte Social links

We participate in the online community. Connect with us.

Advisory Services offered through LeConte Wealth Management, LLC., An SEC Registered Investment Adviser.