Barrett Wealth Group Presents
Enjoy
Your Money.
Wealth is not only meant to be built and protected. It is meant to be translated into a life of health, perspective, generosity, family continuity, and deeply personal experiences.
This is the Barrett Wealth Group difference: a planning philosophy that asks not only what your money should do, but what you want your life to look like.
Meet Dr. Michael ProcacciniPillars aligned around how wealth should serve life.
Meaningful experiences planned intentionally each year.
A Green Zone signal for sustainable enjoyment.
The Barrett Wealth Framework
Build. Protect. Enjoy.
Barrett Wealth Group organizes financial life around three pillars, but its distinctive voice is found in the third. Enjoyment is not an afterthought. It is part of the planning conversation.
Create the financial foundation.
Disciplined investing, retirement accumulation, tax-efficient planning, and business-owner strategy create the base from which every other life choice becomes possible.
Guard what you have worked to create.
Risk management, insurance strategy, estate coordination, and asset protection help preserve optionality, resilience, and continuity for the people who depend on you.
Turn wealth into a life that is actually lived.
Travel, family experiences, charitable giving, health, and legacy planning become intentional uses of wealth rather than vague someday ideas.
What Enjoying Your Money Actually Looks Like
More than financial services.
More like life design.
For Barrett Wealth Group, enjoyment is not defined by extravagance. It is expressed through the ways wealth deepens living: where you go, how you feel, what you pass on, and who benefits because you stewarded resources well.
"We don't just ask what you want your money to do. We ask what you want your life to look like — and then we build the financial strategy around that answer."
The Four Dimensions of Enjoyment
Where wealth becomes life.
Travel & Perspective
Meaningful travel is more than consumption. It expands perspective, strengthens relationships, and creates memories that outlast market cycles.
Legacy & Family
Legacy is not only what you leave behind. It is what your family experiences, learns, values, and carries forward while you are still here to shape it.
Health & Vitality
Without health, wealth loses much of its usefulness. Enjoyment includes protecting energy, mobility, mindset, and longevity so your resources can support a full life.
Charity & Purpose
Enjoyment also means significance. Generosity, service, and strategic giving allow wealth to express convictions, not just purchasing power.
A Structured Approach to Wealth
The Enjoyment Allocation
Framework™
Designed to help clients convert accumulated assets into sustainable income and meaningful life experiences — while maintaining long-term financial security across all market environments.
I. The Four-Bucket Wealth Structure
Covers essential lifestyle expenses — the non-negotiables.
Cash, Social Security, Pension, Short-Term Bonds
5–10 year income planning horizon with moderate growth.
Bonds, Dividend Equities, Income Strategies
Inflation and longevity protection over the long term.
Equities, Real Assets, Alternatives
Intentional lifestyle spending — permission to enjoy your wealth.
Allocated Annual Withdrawal
II. Net Worth Tier Guidelines
Controlled enjoyment with capital preservation as priority.
Structured enjoyment with dedicated experience allocation; tax-efficient income planning.
Intentional wealth deployment, philanthropy, and multi-generational impact planning.
Legacy architecture, family governance, foundation strategy.
Family office structure, dynasty trust strategy, coordinated impact across generations.
| Tier | Net Worth Range | Withdrawal Rate | Primary Focus |
|---|---|---|---|
| Tier 1 | $1M – $5M | 3.0 – 3.5% | Controlled enjoyment with capital preservation as priority. |
| Tier 2 | $5M – $15M | 3.5 – 4.0% | Structured enjoyment with dedicated experience allocation; tax-efficient income planning. |
| Tier 3 | $15M – $50M | ~4.0% | Intentional wealth deployment, philanthropy, and multi-generational impact planning. |
| Tier 4 | $50M – $150M | Cash flow exceeds lifestyle | Legacy architecture, family governance, foundation strategy. |
| Tier 5 | $150M+ | Institutional-level | Family office structure, dynasty trust strategy, coordinated impact across generations. |
III. The Green Zone Withdrawal Test
Before approving any significant discretionary spend, apply the Green Zone test to your current withdrawal rate. This simple diagnostic ensures enjoyment is always sustainable.
Enjoy intentionally. Discretionary spending is well-supported.
Review spending categories. No major new commitments without a plan.
Immediate review with your advisor. Adjustments to plan required.
IV. How to Use This Framework
Calculate your total investable net worth and identify your Tier.
Determine your planned annual withdrawal rate. Run the Green Zone Test before approving major expenditures.
Confirm that your Security and Stability buckets cover 5–10 years of non-discretionary needs. Assign your Enjoyment bucket intentionally.
Work with your advisor to identify 1–3 meaningful experiences or lifestyle upgrades for the coming year. Budget them explicitly.
Revisit this framework at each annual review. Market performance and life changes affect every bucket.
"We convert assets into sustainable income and meaningful experiences — responsibly. Our role is to give you both the confidence to enjoy your wealth today and the certainty that it will be there tomorrow."
Your Advisory Team
The people behind the plan.
Tim Koenning
Founder & Managing Partner
Senior Wealth Advisor
Tim founded Barrett Wealth Group with a conviction that financial planning should do more than accumulate wealth — it should translate it into a life fully lived. As a Senior Wealth Advisor, he specializes in retirement income strategy, tax-efficient planning, and the intentional design of a meaningful life for high-net-worth individuals and families.
Dr. Michael Procaccini
Enjoy Your Wealth Coach
Strategic Partner
Dr. Procaccini is a behavioral coach and strategic partner who helps clients overcome the psychological barriers to enjoying their wealth. Through his Enjoy Life Coaching practice, he works alongside the Barrett Wealth Group advisory team to ensure clients not only have a financial plan — but the mindset and permission to live it.
Ready to Begin?
Let's design a life you can actually enjoy.
Barrett Wealth Group helps clients build, protect, and enjoy their wealth through a coordinated strategy that includes financial planning, legacy thinking, health, and the intentional design of a meaningful life.
Start the ConversationStart the Conversation
Tell us about the life you want to enjoy.
Whether you are beginning to think about intentional enjoyment or ready to put a formal framework in place, we would love to hear from you. Complete the form and a member of our advisory team will be in touch within one business day.