Personalized financial planning for your specific needs.

Your financial life involves complexity—balancing career demands, family responsibilities, tax obligations, and future goals. You may benefit from comprehensive financial planning built around your specific goals, challenges, and opportunities.

At Saltiel Wealth Management, we provide independent fiduciary* financial planning services in Sarasota, Florida, for high-income professionals, small business owners, retirees, and high-net-worth families. Our approach centers on a key principle: every recommendation we make works to be in your best interest as a fiduciary* advisor.

Whether you’re working to optimize taxes on higher income, planning business succession, navigating retirement distributions, or coordinating estate strategies, our boutique practice aims to provide personalized attention for your financial planning needs.

Your assets are custodied at Charles Schwab, providing access to investments, including alternative opportunities** when appropriate for qualified investors. We can also assist with 1031 exchanges** when suitable. Because we operate from a home-based office, we can focus on fewer clients and spend more time developing strategies tailored to individual situations.

Using Right Capital software, we create digital financial plans that bring financial data together. You can see how different scenarios may potentially impact your planning.

An approach that works to turn financial questions into clear planning steps.

Financial planning involves understanding your individual situation and creating a personalized approach to help you work toward your objectives. Here’s how we may work together:

Step 1: Building Our Partnership

We start by determining if we might be a good fit for working together. We’ll explain our fiduciary* role and what it means for you, walk through our fee structure with transparency, and understand your objectives. This focuses on determining if our approach aligns with your needs and values.

Step 2: Understanding Your Complete Financial Picture

We’ll gather detailed information about your goals, expectations, assets, liabilities, and life circumstances. Whether you’re a high-income professional balancing career demands or a retiree focused on legacy planning, we work to understand what makes your situation individual.

Step 3: Analyzing Your Current Position

Using analysis tools, we’ll evaluate your current financial status, incorporating tax implications, risk factors, and potential opportunities. You’ll receive an assessment of where you stand and what areas may need attention.

Step 4: Creating Your Custom Financial Plan

We’ll develop a comprehensive plan with specific recommendations tailored to your situation. Using visualizations and presentations, you’ll see how each strategy works and why it may make sense for your goals.

Step 5: Implementing Your Plan

We’ll provide guidance for executing your plan, including coordination with your tax professionals, attorneys, and other advisors. While we don’t provide tax or legal advice ourselves, we work with your existing team to help coordinate implementation.

Step 6: Ongoing Monitoring and Updates

Your financial plan isn’t static. We’ll review your progress periodically and make adjustments as your life circumstances change. You’ll have online access to track your progress.

The entire process can be conducted virtually via video meetings, making it convenient regardless of location.

Comprehensive planning addresses multiple aspects that may affect your wealth.

1. Debt Management Analysis

We’ll help you review your debt situation, from mortgages and business loans to credit cards and student loans. We’ll explore strategies that distinguish between different types of debt and their impact on wealth building. This analysis may be valuable for small business owners managing multiple obligations or professionals evaluating investment opportunities alongside loan payments.

2. Protection & Risk Management

We’ll evaluate your life insurance, disability coverage, property protection, and long-term care planning to identify potential gaps. You’ll understand what you’re protected against and what risks may still need addressing.

3. Accumulation Strategies

From retirement savings and investment accounts to college funding and real estate holdings, we’ll work to optimize how you’re building wealth. This may include exploring 1031 exchanges** for real estate investors and accessing alternative investments** through Charles Schwab when appropriate for qualified investors.

4. Tax Planning Integration

Taxes may significantly impact financial strategy effectiveness. We’ll explore strategies that may help manage your tax situation, from Roth conversion opportunities to charitable giving strategies to tax-efficient investment placement.

5. Investment Planning for Your Situation

We’ll assess your risk tolerance, time horizons, and asset allocation needs to develop customized investment approaches. With access to Charles Schwab’s platform, you may have opportunities that align with your situation.

6. Retirement Planning Considerations

Whether you’re years from retirement or already there, we’ll analyze your income sources, explore Social Security timing, coordinate pension decisions, and develop required minimum distribution strategies. For retirees and high-net-worth individuals, we’ll also address Medicare surcharge planning considerations.

7. Education Planning with Tax Efficiency Focus

From 529 plans and Coverdell ESAs to UGMA/UTMA accounts, we’ll help you explore tax-efficient education funding strategies for your family’s situation and potential state tax benefits.

8. Estate Planning Coordination

While we work with your estate planning attorney and tax professionals, we’ll provide checklists for beneficiary designations, coordinate living wills and powers of attorney, and help work toward your wealth transfer objectives.

These areas work together—tax considerations may affect investment decisions, which may impact retirement planning, which may influence estate strategies. Our comprehensive approach aims to address these interconnections.

Our approach to personalized financial planning.

Personalized Client Service: We work to treat every client individually, focusing on their specific needs. You work directly with us rather than through multiple staff members.

Fiduciary* Commitment: Our Series 66 licensing means we’re committed to work in your best interest. This represents the foundation of how we approach our advisory relationship.

Efficient Structure: Our home-based office helps manage overhead, which allows us to work with fewer clients and potentially dedicate more time to individual needs.

Tax and Financial Planning Integration: We work to build tax considerations into financial planning because we understand their importance to overall optimization.

Licensed Expertise Across Multiple Areas: With life and health insurance licensing and experience in the field, we can address protection planning as part of comprehensive strategy.

Responsive Service: We aim to provide timely answers to your questions, supported by tools that give you access to your financial plan.

Independent Platform Advantages: Charles Schwab custody provides transparency, competitive costs, and access to alternative investments** that may enhance overall strategy when appropriate for qualified investors.

What exactly is included in a comprehensive financial plan? Your plan includes analysis of your current financial position, strategies across planning areas, recommendations with implementation steps, and ongoing monitoring capabilities. Everything is delivered digitally so you can access and update it.

How do you integrate tax considerations into financial planning? Tax considerations are integrated into recommendations we make—from investment selection and account placement to retirement distribution strategies and estate planning. We coordinate with your tax professionals to explore opportunities.

Can you help with 1031 exchanges**? Yes, as part of comprehensive real estate and tax planning, we can guide you through like-kind exchanges for investment properties when appropriate. This may be particularly relevant for clients with real estate holdings.

Is your approach suitable for complex, high-net-worth situations? We work with clients who have needs involving alternative investments**, business succession planning, estate strategies, and tax planning when appropriate for their situations.

Do you work with clients outside of Sarasota? While we’re based in Sarasota, we work with clients throughout Florida and other states where registered using virtual meeting platforms. Geographic distance doesn’t necessarily prevent effective financial planning.

How often do we meet to review and update the plan? Typically, we’ll have formal reviews quarterly or when major life changes occur. However, you have access to your digital plan, and we’re available for questions between meetings.

How does your approach differ from larger financial planning firms? Key differences include: as your fiduciary*, we’re committed to work in your best interest; our boutique practice means you may get direct access to us rather than junior staff; and our focus on tax-integrated planning may provide optimization opportunities.

Let’s explore a plan tailored for your individual situation.

You’ve worked to build your wealth and support your family. Now consider whether comprehensive strategy might help protect what you’ve built while working toward your financial objectives.

Whether you’re looking to address tax efficiency on higher income, plan for retirement, coordinate estate strategies, or simply work to get different pieces of your financial life coordinated, comprehensive financial planning may provide clarity and confidence.

Schedule a complimentary consultation today. We’ll review your current situation, discuss your goals, and explore how comprehensive, fiduciary financial planning might help you work toward the financial confidence you’re seeking.

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 financial planning 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 implement any specific 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.

Software and Projections: Financial planning software projections are hypothetical in nature and not guaranteed. Actual results may vary significantly from projections.

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

Fiduciary Standard: While we strive to act as fiduciary advisors, individual circumstances and specific situations may affect the application of fiduciary standards. All advisory relationships are governed by written advisory agreements.