Getting Started With Financial Planning
Introducing RightCapital® — an industry-leading financial planning platform for Wealth Management Firms. It delivers clear, personalized insights while protecting your information with advanced security, encryption, and institution-grade privacy safeguards.
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With RightCapital®, you’ll see your entire financial picture in one place, empowering holistic decisions over fragmented ones. From tax-efficient investing and Roth conversions to retirement income planning, Social Security optimization, estate planning, and more — RightCapital® helps you pursue your long-term financial goals with confidence.
Our Financial Planning Client Portal is easy-to-use, informative, secure.
1. Account Setup
Thank you for you for contacting us with your interest in our financial planning program. A Financial Advisor will confirm your request and send you a link to set up your RightCapital® Financial Planning profile and create a secure password.
From there, we’ll guide you step-by-step to begin the financial planning process.
2. Create Your Profile
Your profile provides your Financial Advisor the necessary information to generate retirement analyses, answer questions, and refine your plan. Be thorough—your advisor can only advise on what they know about.
Linking accounts, listing goals, and filling out the rest of your profile are the building
blocks for all the advanced tools available to you and your advisor, such as your financial dashboard. With this information, proposals and recommendations can be refined to find the best outcomes for you.
Once your profile is complete, you can enjoy a 40,000-foot view of your financial
status, and access other important communication tools built within RightCapital.
3. Enter Your Financial Information
The Net Worth section is a crucial piece of the data entry process—this is where we
will help you input all assets (bank accounts, investments, properties, insurance policies) and liabilities (credit cards, loans) as they stand today.
You will see the ‘Link Account’ button. When utilizing this secure tool, we can pull in
your account information from thousands of financial institutions. You can link
checking and savings accounts, credit cards, investments, insurance and loans to view
them all in one place.
Security Note: We do not store the login credentials you use to link external accounts. All data that is transferred and stored is encrypted using bank-level encryption practices. Data in transit and data at rest is encrypted using industry-standard HTTPS protocols and uses AES-256 encryption algorithms. The portal cannot be used to make transactions. Your data is read-only and used to do things like creating budget reports for you and enabling you and your advisor to track your plan across investments, loans, and other accounts to help you stay on track.
Financial Planning Disclaimers: A Roth IRA conversion—sometimes called a backdoor Roth strategy—is a way to contribute to a Roth IRA when income exceeds standard limits. The converted amount is treated as taxable income and may affect your tax bracket. Federal, state, and local taxes may apply. If you’re required to take a minimum distribution in the year of conversion, it must be completed before converting. To qualify for tax-free withdrawals, you must generally be age 59½ and hold the converted funds in the Roth IRA for at least five years. Each conversion has its own five-year period, and early withdrawals may be subject to a 10% penalty unless an exception applies. Income limits still apply for future direct Roth IRA contributions. This material is for informational purposes only and does not constitute tax, legal, or investment advice. Please consult a qualified tax professional regarding your individual circumstances. show less Philbeck Private Wealth Management utilizes RightCapital, a third-party financial planning software provider, to assist in delivering comprehensive financial planning services. All financial projections, simulations, reports, and analyses provided through or in connection with RightCapital are for illustrative and educational purposes only and do not constitute guarantees of future performance or financial outcomes. Financial plans are based on data provided by the client, including but not limited to income, expenses, assets, liabilities, tax information, insurance coverage, investment accounts, and stated financial goals. Philbeck Private Wealth Management does not independently verify client-provided information for accuracy or completeness. Clients are responsible for ensuring the accuracy and timeliness of all information provided. Inaccurate or incomplete information may materially affect financial plan projections and recommendations. Financial planning scenarios utilize hypothetical assumptions regarding rates of return, inflation, expenses, taxes, longevity, and other future variables. These assumptions are inherently uncertain, and actual outcomes may differ significantly due to changes in market conditions, economic factors, legislation, personal circumstances, and other external events. Projections and financial models should not be relied upon as guarantees of actual results or future performance. Philbeck Private Wealth Management provides financial planning and investment advisory services pursuant to written advisory agreements entered into with each client. Financial planning tools and discussions do not create an investment advisory relationship absent a fully executed agreement. Recommendations provided may not be suitable for all investors and do not constitute legal, tax, or accounting advice. Clients are strongly encouraged to consult their attorney, accountant, or tax professional before implementing any financial, legal, or tax strategies. RightCapital operates independently as a third-party financial planning software provider and maintains its own privacy policies, data security protocols, and terms of use. While Philbeck Private Wealth Management exercises reasonable care to protect client data and only partners with reputable service providers, it cannot guarantee or warrant the ongoing security, privacy, or uninterrupted availability of RightCapital’s platform or any external service providers. Clients are responsible for safeguarding login credentials and promptly reporting any suspected unauthorized access. Financial planning is a dynamic, ongoing process. Clients are encouraged to regularly review and update their financial plans, particularly after major life events, changes in financial circumstances, or shifts in goals or objectives. Philbeck Private Wealth Management shall not be liable for losses or damages resulting from reliance on financial planning outputs, software errors, data inaccuracies, third-party systems, or assumptions, except in cases of gross negligence, willful misconduct, or violations of applicable law. Privacy Policy Philbeck Private Wealth Management is committed to protecting the confidentiality, integrity, and security of client information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information obtained from clients and visitors to our website. ​ Information We Collect We may collect nonpublic personal information about clients, including but not limited to: Personal identifiers (name, address, phone number, email address, Social Security number, date of birth) Financial information (account numbers, holdings, income, expenses, assets, liabilities, investment objectives) Tax, insurance, estate, and employment information Information collected through financial planning platforms such as RightCapital or client portals Information may be collected through applications, data intake forms, financial planning software, custodial integration, in-person meetings, phone conversations, electronic communications, and third-party vendors or custodians. ​ How We Use Information We use client information to: Deliver financial planning and investment advisory services Customize financial plans, models, and analyses Open and maintain accounts with custodians or financial institutions Communicate with clients regarding their financial planning needs Comply with legal, regulatory, or contractual obligations Prevent fraud, identity theft, or unauthorized account access We do not sell client information to third parties. Information Sharing We may share client information with: Custodians, broker-dealers, investment providers, insurance companies, or service providers as necessary to provide services Third-party financial planning software providers (e.g., RightCapital) Legal, tax, or accounting professionals with client authorization Regulatory authorities or legal agencies as required by law Data Security Philbeck Private Wealth Management maintains physical and procedural safeguards designed to protect client information. We limit access to authorized personnel who require information to perform their job responsibilities. However, while we take reasonable precautions, no system is entirely immune to security risks. RightCapital and Third-Party Platforms Clients utilizing financial planning software such as RightCapital should review the platform’s own privacy policy, terms of use, and security practices, as these platforms operate independently and collect client data directly. Philbeck Private Wealth Management is not responsible for data security practices, software outages, or third-party breaches outside of its control. Client Rights Clients may request access to their personal information, request corrections to any inaccurate information, or inquire how information is used or shared. Requests should be submitted in writing to Philbeck Private Wealth Management. Updates to This Policy This Privacy Policy may be updated periodically. Any material changes will be posted on our website.