If you’re here, you have a question on the top of your mind — What do I need to do to protect myself and my loved ones during my retirement years?
All other concerns always seem to return to that. What investments should I have? Do I need a financial advisor? What is a financial advisor? How do I find a fiduciary financial advisor near me? Are there any financial advisors in my area? What does it mean to be a fiduciary? How do I understand my financial settlement? How do I plan for medical emergencies? When do I take Social Security? Will my spouse be okay if I pass away early?
These are the kinds of questions we get often from families we meet with.
If you’ve had any of these questions and are looking to find a financial advisor who’s right for you, you’ve come to the right place. We’ve designed this website with two purposes in mind.
- To serve as a resource for research when choosing a financial advisor. As a shrewd investor and someone who has worked their entire life planning for retirement, you don’t want to just take my word for it. I understand.
- To explain why working with a financial advisor who is a fiduciary may benefit you and whether there is a measurable benefit if we work together.
We work with several different types of clients, but they all share a desire to feel secure in their financial plan. We specialize in three solutions to this problem.
Love Local? Get a Professional Financial Plan From a Fiduciary Financial Advisor in Akron
Whether you’re from the Rubber Capitol of the World or anywhere else in the world, our office can serve you as your trusted financial advisor.
Many assume financial planning is just about investment management. But a true fiduciary will help you look at your entire financial picture. That’s why our client service package contains 6 key areas.
- IRA and 401k Planning: Your Individual Retirement Account (IRA) or 401k is the cornerstone to your financial success. We will help you understand the most appropriate investment strategy for your financial goals and make sure that the asset allocation is sound — are you properly allocated in cash, bonds, a mutual fund, ETFs (Exchange-Traded Fund), index fund, cryptoassets or other investment options? How can you navigate these asset classes to make sure your retirement goals stay in focus? Are you utilizing the tax strategies to make the most of your investments while also avoiding any unnecessary fees and any penalties due to the ever changing tax minefield?
- Estate Planning: As a holistic, fiduciary financial planner, I know that leaving a legacy to your loved ones might be a part of your life goals. We work with your estate attorney to establish strategies that will serve as asset protection for your family when you’re gone.
- Tax Reduction: All investment choices come with tax consequences. We help you navigate the rules on retirement savings and investments to make sure you maximize what you keep.
- Wealth Management and Retirement Planning: Our approach as a wealth manager and financial planner isn’t one of “Do as I say.” We value our client relationships and offer investment advice geared towards your specific situation. But you don’t have to take my word for it — and you shouldn’t! Explore our library to understand our fiduciary philosophy and send over a complimentary consultation request whenever you’d like to meet — free to you.
- Insurance Services: An investment plan is more than what you put in the stock market. It also includes an investment in yourself and avoiding future financial losses: unfortunate death, injury, disability, or illness that could cost you and your family hundreds of thousands of dollars and your quality of life. We consider your situation as part of our planning services and discuss understanding Medicare, and whether a life insurance policy would be a smart choice for asset protection, and other common questions.
- Navigating Transition: Retiring, losing a job, death, or leaving a marriage is hard. But we help you develop your investment philosophy on track so that you can avoid dangerous mistakes.
Don’t Go it Alone: Professional Financial Insight on How to Protect Assets from Divorce
It isn’t a comfortable topic, but it’s true: overall divorce rates are decreasing except among Boomers — the people prime for retirement.
Nobody gets married planning for a divorce.
But once that decision has been made and the divorce proceedings are finished, there are many other questions: what will happen to my retirement account, my Social Security benefits, my personal finance? “Our” retirement plan has suddenly been broken in two.
Your family law attorney helps with the divorce process, but who can help you with your investment strategy after settlement so it can last the rest of your life? Who can you turn to that will be there to help you make these huge and impactful decisions after your divorce?
This type of counseling is another area that we focus on as a fiduciary financial advisor. Financial planners can walk you through your financial choices — even if you’re used to being the spouse who didn’t deal with these decisions in the past.
I invite you to download my resource on investment management for your settlement. We also have resources just for you so you have the necessary knowledge to navigate this whirlwind change.
Still in Your Peak Earning Years? Get the Most From Your 401k With Professional Financial Support
Gone are the days of being able to rely on pensions or Social Security or even your employer to carry out your retirement plans.
Many employees no longer have a pension and it’s up to you to properly fund your 401k. Do you know if your 401k has an SDBA, which stands for Self-Directed Brokerage Account and also referred to as a broker link?
What the heck is that?
401k’s, 403b’s, and the like are retirement accounts offered through your employment. Many of these plans have very limited investment options. But some plans with the SDBA options allow participants to “self-direct” parts of their 401k to significantly more investment options than they currently may have.
Not every Registered Investment Advisor (RIA) can work with SDBAs, and most people don’t even know what it is or if their company’s 401k plan allows this.
Many people also have recently lost their job or changed careers since COVID-19. You need to understand why leaving your 401k with your previous employer may not be in your best interest…and bigger yet understand why moving it to your new employer may benefit your new employer more than you.
If you’re not sure whether your 401k plan has any of these SDBA options through your employee benefits, you’ll benefit from a quick, no obligation phone call or meeting with our financial advisor.