Why Families and Professionals May Choose to Work With Us
Because Your Financial Planning May Benefit from Fiduciary Guidance
As your fiduciary* advisor, we’re held to a high industry standard. Here’s what that may mean for you:
Comprehensive Financial Planning Designed for Clarity
We help address various planning areas—retirement planning focused on income strategies, cash flow analysis, education funding through 529 plans and other vehicles, and estate planning coordination. While we work with your tax and legal professionals, we aim to help coordinate different planning elements.
Investment Management Built Around Your Individual Situation
Rather than using standard portfolios, we work to understand your risk tolerance, time horizon, and financial concerns. Then we develop a customized investment approach that includes asset allocation plans and investment policy statements. Recommendations are based on research and ongoing monitoring because your financial planning is important to us.
Strategic Tax Planning Considerations
Taxes may significantly impact investment returns. That’s why tax considerations are integrated into our planning approach—from investment selection to retirement income planning. We help high-income earners and retirees explore strategies that may help manage tax efficiency on their wealth.
Important: We do not provide tax advice, only general guidance. Please consult tax professionals for specific information regarding your individual situation.
Risk Management That Aims to Address Planning Concerns
Life can be unpredictable, and financial planning may help address various scenarios. We work to identify potential risks in your portfolio and overall financial picture, then explore strategies that may help address them.
Important: All investments carry risk of loss, including principal.
Practical Debt Management Analysis
Different types of debt have different characteristics. We help you analyze your debt situation and explore repayment strategies that may help optimize cash flow for your planning goals.
With custody at Charles Schwab, you access a comprehensive platform. Our boutique practice aims to provide the attention and personalized service that may be more challenging at larger firms.
Areas of Focus for Different Stages of Your Financial Journey
Whether you’re building wealth, preserving it, or planning for transfer, we work to provide relevant expertise:
Retirement Planning Considerations
If you’re nearing or in retirement, planning decisions become increasingly important. We help you navigate decisions around Social Security timing, pension options, required minimum distributions, and developing tax-efficient retirement income approaches.
Investment Strategies for Business Owners
Running a business involves many considerations, including personal investment planning. We work to create portfolios that may complement your business situation, help with debt analysis, and align with your objectives.
Tax Planning Guidance for High Earners
Higher income levels can create additional tax complexity and planning considerations. We help high-income professionals explore strategies that may help manage tax liability, including 1031 exchanges** for real estate investors when appropriate.
Education and Estate Planning Support
From UTMA/UGMA accounts to 529 plans, we help you explore education funding approaches. We also coordinate with your estate planning team to help work toward your wealth transfer objectives.
Our comprehensive approach aims to provide clarity about your current situation and potential paths forward, regardless of your specific goals.
Your Questions Answered
Here’s what our clients typically want to know:
What happens during a complimentary consultation? We’ll discuss your current situation, explain how our advisory relationship works, and review our fee structure. No pressure or sales presentations, just a conversation about whether we might be a good fit for working together. We can meet virtually through RingCentral or in person, whatever works best for you.
Are you really a fiduciary advisor? Yes. As Investment Adviser Representatives with Series 66 licenses, we’re legally committed to act in your best interest. This isn’t just marketing language for us—it’s the foundation of how we work.
How do you charge for your services? We believe in transparency. Financial planning is $250 per hour on a fee-only basis. Investment management fees are based on assets under management. You can find detailed information on our Services & Rates page.
Do you offer virtual meetings? Yes, we use RingCentral for virtual meetings. Whether you’re local or in another state where we’re registered, we can work together effectively.
How does your practice differ from others? Our home-based office structure helps us manage overhead, which allows us to focus on fewer clients and potentially provide more personalized attention. We also focus on the intersection of financial and tax planning—an approach that may be particularly relevant for retirees and high earners.
Ready to Learn More About Our Approach?
Let’s have a conversation about your financial goals.
You’ve worked to achieve your current financial position. Now consider whether working with an advisor focused on your best interest might benefit your situation. Contact Saltiel Wealth Management today for a no-obligation consultation. Let’s explore how our fiduciary approach, tax-focused planning, and personalized investment management might help you work toward your financial objectives.
Whether you’re a high-income professional looking to address tax efficiency, a business owner planning for the future, or a retiree working on retirement planning, we may be able to help.
For a complimentary, no obligation, confidential review please
Important Disclosures:
*This fiduciary duty applies to our advisory relationships under current registration and does not extend to brokerage transactions, which are governed by different standards.
**Alternative investments involve substantial risk, may be illiquid, and are not suitable for all investors. Investors should carefully review offering documents and assess personal risk tolerance before considering such investments. 1031 exchanges involve complex tax and legal considerations; consult qualified professionals before proceeding. See disclosures in footer for additional information.