With a broad view of the path to your destination, we use several unique processes to help guide you (based on your goals, circumstances and philosophy) at each point along your financial journey.


Reaching the Retirement Summit with the ARC Process™
Like mountain climbing, retirement planning begins with the goal of reaching the summit. The key to achieving that goal is planning and preparation.

Planning for Success
In climbing, focused planning means crafting a well thought-out route that takes into consideration the unique landscapes and challenges of the mountain. In retirement planning, it means building a plan that takes into consideration our goals and may include strategies built around retirement savings, education savings, income protection, creditor protection, investment management, tax planning and more.

Achieving Retirement Clarity
For many people, the task of retirement planning may seem overwhelming and complex. What’s missing is a clear process for HOW to build it properly. Our proprietary ARC Process™ involves performing a detailed cash flow analysis, which is then used to create a custom plan for achieving your retirement savings goals. The process also incorporates the necessary risk management tools designed to protect you from unexpected events that could obstruct your path and hinder you from successfully reaching your retirement summit.

Watch our video to learn how the ARC Process™ can help you safely navigate the income risks and opportunities in retirement. 


Reaching the Summit and Returning Safely with the RISK Process™
While climbing to the top of a mountain is considered to be a major achievement, the real goal of climbing is not simply to reach the top, but to reach the top and return safely.

The same can be said for retirement income planning. For years, people have focused on accumulating enough assets. However, the biggest risks facing retirees occur during the income distribution phase when we retire and begin to live on our retirement savings.

As we begin this second half of our journey, we are faced with unique and potentially devastating risks such as a volatile market, inflation, liquidity, longevity, health and survivor risks. Just like climbing a mountain, those who address these risks will be more likely to safely and successfully complete the journey.

Our proprietary Retirement Income Survivor Kit or RISK Process™ is designed to help clients plan their income in retirement while simultaneously addressing the key risks associated with income distribution. We look forward to walking you through the process.

Watch our video to learn how the RISK Process™ can help you safely navigate the income risks and opportunities in retirement. 




Few people are aware that the life, disability and long term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance products.

When you purchased your policies, you may have made certain assumptions about policy charges, interest rates, planned premiums, and other issues. But life is constantly changing. The original reason for your purchase may still exist, yet your needs may have changed, requiring more or less coverage. That’s why it’s important to regularly review all of your personal and business insurance coverages.


Two important aspects of financial planning involve managing risk and transferring wealth to the next generation. In many instances, the tax advantages of life insurance make it a preferred vehicle for purposes such as:

  • Providing income replacement for your family and business
  • Passing family and business wealth to future generations
  • Providing supplemental tax-free income for retirement
  • Funding business strategies such as buy-sell agreements and deferred compensation programs
  • Charitable giving

Whether you are evaluating existing coverage or are seeking new insurance, Wolff Wealth Advisors uses several proprietary processes to:

  • Help identify the type of policy that fits your current needs (Life Assurance 360™)
  • Help you obtain favorable policy pricing (Underwriting Advocacy™)
  • Provide on-going policy management to help connect your expectations of promised policy benefits with actual results (The Policy Management Company™)
  • Advise you when your current coverage may no longer be needed (Life Settlement Advocacy Process™)
  • Help you obtain quick competitive coverage for a set period of time (Term Quote Service)



Whether you are evaluating existing coverage or seeking new insurance, Wolff Wealth Advisors uses a unique five-step process called Life Assurance 360™ to make certain that your policy fits your current needs and continues to serve its intended purpose for the duration of the policy.
In this step, we use our proprietary Life Assurance Design Questionnaire to educate you about your life insurance options while gathering information about you goals, preferences, and risk tolerance. Additionally, our one-page Pre-Underwriting Questionnaire helps paint a high-level picture of how your medical history may factor into the overall plan design.
Prior to submitting an application, our experienced underwriting team gathers and reviews your medical information and begins clarifying all missing or incomplete details with your physicians to present your case to the carrier(s) in the most favorable light possible. For larger, more complex cases where privacy and confidentiality are paramount, our staff underwriters and licensed physician conduct a private medical evaluation to fully assess your medical risk while protecting your identity from the Medical Information Bureau (MIB).
After the initial fact finding process and underwriting assessment are complete, our underwriting and marketing teams develop product recommendations based on your goals, risk tolerance, and preferences regarding the five areas of product design: safety, flexibility, equity, certainty, and premium.
After product recommendations are developed, we create meaningful analyses of each plan and present the recommendations in an easy-to-understand format that empowers you to make informed decisions.
After you make your choice from among the recommended plans, we initiate an on-going process that monitors and measures the performance of your plan to ensure that your benefits remain on track for the life of the policy. We regularly review the plan’s performance with you using a concise, yet thorough, policy review document.


A Balanced and Complementary Approach
We believe that an optimal investment strategy is imperative for any financial plan. History has proven that interest-generating investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for real long-term growth due to their susceptibility to interest rates and inflation. On the other hand, equity investments have clearly enjoyed significantly higher expected returns historically, but are vulnerable to more severe volatility risk in the markets.

To balance the need for safety and performance, we use several investment platforms to bridge the gap between traditional and alternative investment strategies. They allow us to identify and design the best investment strategy for your situation, and answer questions such as:

  • Am I taking too much or too little risk with my investments?
  • Are my assets divided into different buckets to address different goals and different time horizons?
  • Are my investments generating unnecessary taxes?
  • Are my accounts being rebalanced so I stay within my risk parameters?

How your personal portfolio is structured depends on a number of variables that we incorporate into your customized design. These variables include your current stage in the financial life cycle, your risk tolerance and investment time horizons. In this way, we are able to better manage your money with an equal emphasis on risk management and investment performance.

Watch our video to learn how our balanced approach to asset allocation can help you optimize your investment portfolio.. 



Since 1954, the Wolff Family has worked with New England families and businesses to preserve their wealth for future generations. No two families are alike, as everyone views “legacy” planning differently.

At Wolff Wealth Advisors, we believe that prudent planning starts with knowing what is in the hearts of our clients. We then learn the hard facts about their holdings. If they own a business, we assess the viability of the business’ survival to the next generation. Our team then crafts customized solutions to help mitigate estate taxes, while making sure the provisions in our clients’ wills and trusts match what is in their hearts.

As you move through the days and years of your life, you do not go unnoticed. You leave a trail, an impression, footprints…unquestionable proof that you existed…in the lives of those around you. – Brett Beavers & Tom Douglas, Something Worth Leaving Behind