WHO WE ARE
BLUEPRINT RETIREMENT ADVISORS
Blueprint Retirement Advisors is borne of a sincere desire to use process-driven planning to deliver truth and direction to clients who want not only to make the most of their financial resources, but also to protect those resources from the myriad risks of life. Mike Wilson—founder, concept driver, and president—designed the company as an opportunity to deliver a high level of personal service to business owners and individual investors in the retirement planning market. BRA guides its clients in designing and building substantive blueprints for all six sides of the financial cube:
· Investments & Investment Philosophy
· Debt Management
· Tax Planning
· Insurance & Risk Analysis
· Income Planning
· Estate & Charitable Transfer
As a builder’s blueprint is the essential foundation for the building process, a financial blueprint is the equally essential foundation for any individual constructing a sound, reliable, and lasting financial structure. Just like unexpected storms during a construction project, unexpected events arising from uncertain markets require a process: a financial blueprint to guide its investors towards their retirement or financial goals despite complicated or confusing circumstances.
Blueprint Retirement Advisors works closely with its clients, using the Blueprint Design Review process to help them reach a work-optional lifestyle. Each client’s unique needs shape the outcome of the process. BRA is also committed to the ongoing financial education of its clients using webinars and classes to help clients stay disciplined in their approach to investing and financial planning.
In founding Blueprint Retirement Advisors, Mike Wilson builds on his thirty years of experience in advising clients about strategic financial decisions. Previously, he owned and operated his own captive insurance agency, working with over 1,400 households to coordinate their financial and insurance plans. Over those thirty years, Mike earned the top honors for his agency—including the Bronze Tablet, Silver Scroll, and Golden Triangle awards.
Mike holds a B.S. in Production Management and an M.B.A. in Marketing from California State University, Hayward. He has also earned two professional designations, Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC), from the American College of Financial Services.
Mike’s ongoing commitment to prioritizing client interests includes professional development and continuous learning. Taking his fiduciary role very seriously, he sees himself as a client advocate and centers facts and accuracy at the core of every conversation.
When not working as a financial advisor, Mike enjoys fishing, photography, and travel—and most of all, spending time with wife, Michelle, and his children, Rachel and Alexander.
REGISTERED INVESTMENT ADVISORS
Blueprint Retirement Advisors is a Registered Investment Advisor, and as such gladly accepts the role of a Fiduciary for its clients. Investopedia explains the Fiduciary role as follows:
"A fiduciary's responsibilities or duties are both ethical and legal. When a party knowingly accepts the fiduciary duty on behalf of another party, they are required to act in the best interest of the principal, the party whose assets they are managing. This is what is known as a "prudent person standard of care," a standard that originally stems from an 1830 court ruling.
This formulation of the prudent-person rule required that a person acting as fiduciary was required to act first and foremost with the needs of beneficiaries in mind. Strict care must be taken to ensure no conflict of interest arises between the fiduciary and their principal.”
WHAT WE DO
Click the image below to learn more about our client process.
The average investor uses an Active Management investment philosophy. Active money managers build portfolios using forecasting, market-timing tools in an attempt to predict market movements with a goal of gaining an advantage against the market. Financial media overwhelmingly promotes this dominant philosophy. Despite its broad acceptance, data shows Active Management does not deliver the results it promises.
Blueprint believes broadly structured, Passive Management portfolios help clients avoid hype, high fees, and hidden agendas that undermine results over time. We offer portfolios built by Efficient Advisors of Philadelphia.
Efficient Advisors’ Disciplined Wealth Portfolios℠ are managed according to the covenants of Modern Portfolio theory and adhere to four key elements:
A core philosophy of strategic asset allocation, as opposed to a tactical- or dynamic-allocation approach.
A commitment to broadly diversified, global portfolios with passive or passive-leaning underlying investments.
A strong adherence to Nobel Prize-winning academic research, which has identified certain risk “factors,” and from which investors might expect to earn a higher return over time.
A use of low-cost underlying investments whenever possible.
Portfolios constructed by Efficient Advisors use a multi-factor approach that takes strategic “tilts" toward risk factors including (but not limited to):
Size: Premium for exposure to smaller, versus larger, company stocks.
Relative Price: Premium for exposure to value, versus growth, stocks.
Profitability: Premium for exposure to higher profitability stocks.
Volatility: Premium for exposure to low-profitability, not high-volatility, stocks.
Momentum: Premium for exposure to recently positive-price-momentum stocks.
WHO WE HELP
EMPLOYEE RETIREMENT PLANS
Blueprint Retirement Advisors works with business owners and plan sponsors to build and manage ERISA-based plans, such as:
As a plan sponsor, according to ERISA rules, you are both a Fiduciary and the plan’s Prudent Investment Expert. These roles make you personally liable for what happens with the investments inside the plan. Such a risk poses significant personal liability—and is completely unnecessary.
We offer plans structured with a § 3(38) election. These plans allow you, a plan sponsor, to shift 100% of your fiduciary liability to the investment advisor. Working with Blueprint and a § 3(38) election shifts your role as the plan sponsor from a fiduciary role to a monitoring role.
Once your plan is in place, Blueprint offers regular participant education sessions (on-site or online), so all plan participants can stay current with their retirement investments.
In addition to ERISA planning services, we use the Blueprint Design Review process to help business owners to maximize cash flow and minimize taxes and expenses.
Blueprint works with individuals who aspire to a work-optional lifestyle. Using the Blueprint Design Review process, we help clients fine tune their financial plans, helping them move closer to their goals. We are a process-driven planning advisor and client recommendations are only offered after engaging in the process.
TAX-QUALIFIED RETIREMENT INVESTMENTS
As an individual investors, you can hold tax-qualified funds by participating in a current or former employer’s 401k plan, or maintaining an Individual Retirement Account (IRA) or a Roth IRA. Depending on the nature of your funds, you have different options for maintaining their tax qualified status. Discussing the Rollover option for your 401k with Blueprint may help you align these funds with your chosen investment philosophy.
NON-TAX-QUALIFIED RETIREMENT INVESTMENTS
Non-tax-qualified investments include those from personal savings, proceeds from the sale of an asset, or proceeds from an insurance settlement. These funds require especially diligent and disciplined management, because there are no limits to access. Blueprint will work with you to ensure your non-tax-qualified investments fit into a comprehensive, long-term financial plan.