Personalized investment approaches for your individual financial situation.

When it comes to your wealth, individualized investment approaches may better serve your needs than standard portfolio models. Your financial situation, risk tolerance, tax considerations, and goals are individual—your investment portfolio may benefit from reflecting that individuality.

At Saltiel Wealth Management, we provide independent fiduciary* investment management services in Sarasota, Florida, designed for high-income professionals, small business owners, retirees, and high-net-worth families who may benefit from customized investment solutions.

As your fiduciary*, we’re committed to work in your best interest. This means every investment recommendation is made based on what may be appropriate for your financial situation.

Our boutique practice operates from a home-based office, helping us manage overhead so we can focus on building relationships with fewer clients and dedicating time to your individual investment needs. Your assets are custodied at Charles Schwab.

Whether you’re a retiree seeking income strategies, a high-net-worth individual exploring various approaches, or a professional looking to address tax efficiency while building wealth, our approach works to integrate tax considerations and risk management into investment decisions.

An approach that works to address investment questions with clear planning steps.

Investment management involves understanding your complete financial picture and building a portfolio that may serve your objectives. Here’s how we may work together:

Step 1: Understanding Your Investment Profile

We’ll conduct an assessment of your risk tolerance, time horizons, and investment objectives. Are you a high-income professional looking to address tax efficiency? A retiree focused on income strategies? A small business owner seeking to diversify beyond your company? Each situation may require a different approach, and we work to understand what makes your situation individual.

Step 2: Strategic Asset Allocation Design

Based on your profile, we’ll recommend specific allocations across asset classes—from traditional stocks and bonds to real estate investment trusts (REITs) and alternative investments** when appropriate for qualified investors. This focuses on creating an allocation strategy that may fit your specific needs and risk tolerance.

Step 3: Custom Portfolio Construction

Using the investment platform at Charles Schwab, we’ll construct your personalized portfolio from:

• Low-cost mutual funds and ETFs for market exposure

• Individual stocks and bonds when they may serve your specific needs

• REITs and preferred stocks for income and diversification considerations

• Managed accounts for sophisticated strategies when appropriate

• Alternative investments** for qualified investors seeking additional diversification when suitable

Every selection is made with consideration of your tax situation and overall financial goals.

Step 4: Investment Policy Statement Creation

We’ll create a detailed Investment Policy Statement (IPS) that documents your strategy, guidelines, and benchmarks. This becomes your reference document—helping ensure we stay focused on your long-term objectives.

Step 5: Implementation and Ongoing Management

Once your portfolio is implemented, we provide monitoring and periodic rebalancing. You’ll receive quarterly reviews, and we monitor your investments regularly. When market conditions change or your life circumstances evolve, we may make appropriate adjustments.

The entire process can be conducted through virtual meetings, making it convenient regardless of location.

Investment Strategies Tailored for Your Situation

Customized approaches for different financial circumstances.

Tax-Efficient Asset Allocation

We work to consider the tax implications of investment decisions. Growth investments may be positioned in tax-deferred accounts, income-generating assets are positioned with tax efficiency in mind, and we may use strategies like tax-loss harvesting to help manage your annual tax situation. This may be particularly important for high-income professionals who want to address tax efficiency in their investment returns.

Alternative Investment** Access for Qualified Investors

Through Charles Schwab custody and direct access, qualified investors may explore alternatives like private equity**, private REITs**, and other non-traditional assets when appropriate. These aren’t suitable for everyone, but when they may make sense, they might provide diversification with different correlation to stock and bond markets.

Risk Management Integration

We evaluate portfolio volatility and work to adjust allocations to align with your risk tolerance—not just what you think you can handle in good times, but what you can actually manage when markets become volatile. For small business owners, this may be especially important because we work to separate your business risks from your personal investment risks.

Income-Focused Strategies for Retirees

For retirees, the focus may shift from accumulation to income generation. We construct portfolios that work to balance growth potential with current income needs, considering tax implications of different income sources and how they may affect Medicare surcharges and Social Security taxation.

Growth Strategies for Wealth Builders

For clients still in their wealth-building phase, we focus on tax-efficient growth strategies that may help compound wealth over time while working to manage downside risk. This includes consideration of asset location, Roth conversion opportunities, and growth-oriented alternative investments** when appropriate for qualified investors.

Why Investors May Choose Our Investment Management

Our approach to personalized investment management.

Fiduciary* Commitment: As Investment Adviser Representatives, we’re committed to work in your best interest. Every investment recommendation must be appropriate for your situation.

Boutique Practice Advantages: Our smaller client base means you may get direct access to us rather than junior associates. When market volatility occurs or you have concerns about your portfolio, you can reach the person who manages your investments.

Tax Integration Focus: We work to build tax considerations into investment decisions because we understand that after-tax returns matter for your wealth building.

Charles Schwab Platform: Charles Schwab custody provides competitive costs and transparent reporting.

Alternative Investment** Access: For qualified investors, we may access alternative investments** that provide diversification beyond traditional stocks and bonds—opportunities that might enhance your overall investment strategy when appropriate.

Comprehensive Coordination: Your investments don’t exist in isolation. We work to coordinate with your overall financial plan, tax strategy, and estate planning to help ensure everything works together.

Real Estate Integration: We can help with 1031 exchanges** for investment properties when appropriate, integrating real estate strategies into your overall investment approach.

Frequently Asked Questions About Investment Management

How do you incorporate tax considerations into my portfolio? Tax efficiency happens at multiple levels: asset location (positioning investments in appropriate account types), tax-loss harvesting to offset gains when possible, consideration of dividend-paying investments, and coordination with your overall tax strategy. We work with your CPA to help work toward optimizing after-tax returns.

What alternative investments** can you access? Through Charles Schwab and direct access, qualified investors may explore private equity*, private REITs*, and other non-traditional assets when appropriate. These aren’t suitable for everyone, but when they may be appropriate, they might provide portfolio diversification.

Can you help with 1031 exchanges** for real estate? Yes, as part of comprehensive investment and tax planning, we can guide you through like-kind exchanges for investment properties when appropriate. This may be valuable for clients who want to defer taxes while repositioning their real estate holdings.

How often do you review and adjust portfolios? We monitor portfolios regularly and provide formal quarterly reviews. However, if market conditions warrant changes or your circumstances evolve, we may make adjustments as needed. You have access to your account through Charles Schwab for transparency.

Is your approach suitable for small business owners? Yes, and it may be particularly important. Business owners often have concentrated risk in their company, so your personal investment portfolio may need to provide diversification away from your business. We help work to separate business risks from personal investment risks.

How does your investment management differ from larger firms? Key differences include: as your fiduciary*, every recommendation must be appropriate for your situation; our boutique practice means you may work directly with us rather than junior staff; and our focus on tax-integrated investment management may provide optimization opportunities.

How do you handle market volatility and downturns? Market volatility is inevitable, but emotional decisions can harm wealth building. We help you stay disciplined through market cycles with appropriate asset allocation, regular rebalancing, and clear communication about what’s happening and our positioning.

Investment Options Through Our Charles Schwab Platform

Access to investments with transparent pricing.

Core Investment Holdings

• Low-Cost Mutual Funds & ETFs: Market exposure with competitive fees

• Individual Stocks & Bonds: Direct ownership when it may serve your strategy

• Real Estate Investment Trusts (REITs): Real estate exposure without direct ownership

• CDs & Preferred Stocks: Income generation with different risk profiles

Advanced Investment Opportunities

• Managed Accounts: Professional portfolio management for larger accounts when appropriate

• Alternative Investments**: Private equity**, private REITs**, and other non-traditional assets for qualified investors when suitable

• Options Strategies: When appropriate for income generation or risk management

Important: Options carry substantial risk and are not suitable for all investors.

• International Exposures: Global diversification opportunities

Specialized Services

• Tax-Loss Harvesting: Systematic realization of losses to offset gains when possible

• Asset Location Optimization: Positioning investments in appropriate account types

• Rebalancing Services: Maintaining target allocations as markets move

• Real Estate Integration: Coordinating 1031 exchanges** with overall portfolio strategy when appropriate

Ready to Learn More About Our Investment Approach?

Let’s explore a portfolio approach for your individual situation.

You’ve worked to accumulate wealth. Now consider whether that wealth might work more effectively for you through professional management. Whether you’re looking to address tax efficiency on a substantial portfolio, generate income in retirement, or explore various investment strategies, professional investment management may provide expertise and discipline.

Our fiduciary* approach means every investment decision works to be in your best interest. Our boutique practice aims to ensure you get personalized attention. And our focus on tax-integrated investment management means you may keep more of your returns.

Schedule a complimentary investment review today. We’ll analyze your current portfolio, discuss your goals, and explore how professional, fiduciary* investment management might help you work toward greater financial confidence.

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.

No Guarantee of Results: No investment strategy can guarantee specific outcomes. All investments involve risk, including potential loss of principal. Past performance does not guarantee future results.

Educational Purpose Only: This information is for educational purposes only and does not constitute investment, tax, legal, or financial advice. No content should be construed as a recommendation to buy or sell any specific security or implement any particular strategy.

Investment Risks: All investments carry risk of loss, including principal. There is no guarantee that any investment strategy will achieve its objectives or avoid losses. Market volatility can significantly impact investment returns.

Options Risks: Options involve substantial risk and are not suitable for all investors. Options trading can result in the loss of your entire investment and sometimes more. Before trading options, investors should read the Options Disclosure Document available from their broker or The Options Clearing Corporation.

1031 Exchange Considerations: 1031 exchanges involve complex tax and legal considerations. Tax laws may change, and individual circumstances vary. Consult with qualified tax and legal professionals regarding your specific situation.

Individual Suitability: Strategies that may be appropriate for one person may not be suitable for another. Individual circumstances including income, family situation, risk tolerance, investment objectives, and time horizon significantly affect the suitability of different investment approaches.

Professional Consultation Required: Before implementing any investment strategies, consult with qualified financial advisors and other professionals familiar with your specific circumstances.

Tax Considerations: We do not provide tax advice. Tax-loss harvesting and other tax strategies may not be suitable for all investors and may have tax implications. Consult with qualified tax professionals regarding your specific situation.

Platform and Custody: While we custody assets at Charles Schwab, this does not constitute an endorsement of our services by Charles Schwab. Charles Schwab does not supervise our investment advice.