Comprehensive Advice
We make your financial life simpler and clearer—helping you make smart decisions with confidence. Our advice is always objective and easy to understand, giving you access to the same sophisticated strategies trusted by top investors and institutions.
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As a fully independent firm, our only loyalty is to you—not a parent company or “home office.” All analysis and guidance come directly from your advisor, ensuring a truly personal connection.
We work primarily on a fee-based model, removing commissions from most of the equation so you receive objective advice tailored to your goals. (Life and long-term care insurance, annuities, and certain mutual funds may include standard commissions, while managed accounts, ETFs, and investment advice remain strictly fee-based.)
WTP advises on all financial topics, but focuses on the needs of clients age 50 and above. We specialize in solving their specific financial problems, concerns, and opportunities as they plan for and enjoy retirement.
Decision-making advice and analysis:
Decision-making advice and analysis:
- Retirement Calculations "Will my money last? When can I retire?"
- Investment Management - Cost-effective, sophisticated, conservative
- Tax & Estate Planning - Beyond living trusts and Muni bonds
- Long Term Care - Preserve your independence
What are our clients top 20 concerns?
1) Will my money last through retirement?
2) When can I afford to retire?
3) What if I live longer than expected?
4) What happens if the market crashes?
5) How much risk should I be taking?
6) How do I minimize taxes now and in retirement?
7) What if healthcare or long-term care costs skyrocket?
8) How do I make sure my spouse is financially secure if I pass away first?
9) Can I maintain my lifestyle without running out of money?
10) What’s the best way to draw income in retirement (Social Security, pensions, IRAs, etc.)?
11) How do I balance paying off debt with saving and investing?
12) What’s the smartest way to handle college expenses for kids/grandkids?
13) How do I leave a legacy without losing too much to taxes or probate?
14) What happens to my family if I become disabled or can’t work?
15) Do I have the right insurance (life, disability, LTC, liability)?
16) What’s the impact of inflation on my plan?
17) Am I diversified enough—or too spread out?
18) What if I sell my business or get a large inheritance?
19) How do I protect my estate from lawsuits or creditors?
20) Am I missing opportunities the wealthy use that I should know about?