A Custom Wealth Plan Can Support Your Life Goals – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

As you work to create a long-term plan that’s customized to your needs, it’s essential to first gain a comprehensive understanding of your wealth—a full accounting of your complex, ever-shifting financial picture. Affluent investors benefit if they can access a team of financial experts to gain that bird’s-eye view and make smarter, more informed decisions.

 

“A client can do everything they need to do—and then their life changes,” says Contey Smith, an independent advisor at Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia. “By working with an advisor, they can be sure to get a holistic view and regular check-ins on key action items so their financial plan stays up to date.”

 

Wealth represents more than a number in your brokerage account. Your financial plan should be fully aligned with the things you want to achieve in life. A trusted ally can make you feel more secure by looking out for your financial interests and taking the time to understand your personal ambitions.

 

“By developing deep relationships, we come to think of our clients as partners,” says Joseph Zappia, managing partner and co-chief investment officer at LVW Advisors in Pittsford, New York. “We encourage them to make us their first phone call, whether they’re contemplating leasing a car, purchasing another home or making plans for their children. By doing that, we’re in a position where we can continually add value beyond just managing investments.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

Impart Key Values to Your Kids With the Help of an Independent Financial Advisor – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

As you work to create a long-term plan that’s customized to your needs, it’s essential to first gain a comprehensive understanding of your wealth—a full accounting of your complex, ever-shifting financial picture. Affluent investors benefit if they can access a team of financial experts to gain that bird’s-eye view and make smarter, more informed decisions.

 

“A client can do everything they need to do—and then their life changes,” says Contey Smith, an independent advisor at Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia. “By working with an advisor, they can be sure to get a holistic view and regular check-ins on key action items so their financial plan stays up to date.”

 

We’re in the midst of a historic intergenerational wealth transfer. While the intricacies of legacy planning can’t be ignored, there’s also an emotional side that’s equally important. Now’s the time to have an honest conversation with your children about money and values—to help them make the decisions that let them pursue their own goals even while receiving financial support.

 

“Investors can build a plan that provides for children, but it’s just as important to make sure they’re emotionally prepared to receive that wealth,” Smith says. “That’s ultimately a values-based consideration and it’s different for every family.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

How a Customized Plan Can Help You Preserve Wealth – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

As you work to create a long-term plan that’s customized to your needs, it’s essential to first gain a comprehensive understanding of your wealth—a full accounting of your complex, ever-shifting financial picture. Affluent investors benefit if they can access a team of financial experts to gain that bird’s-eye view and make smarter, more informed decisions.

 

“A client can do everything they need to do—and then their life changes,” says Contey Smith, an independent advisor at Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia. “By working with an advisor, they can be sure to get a holistic view and regular check-ins on key action items so their financial plan stays up to date.”

 

Life is unpredictable enough before you factor in the effects of market volatility and the economy’s ups and downs. As you plan for retirement or make choices about your estate, don’t make snap decisions based on short-term uncertainty. Instead, get the expert help you need to make the right selections that can preserve your wealth.

 

“Many clients have more now than they’ve ever had, and they’re looking at it differently. They’re planning for those unusual events,” says Tony Farina, an independent advisor at Capital Advisors Wealth Management in Yakima, Washington. “I call it ‘finding the right roller coaster.’ If you don’t like the big roller coaster, you’re not going to like the drop when it comes. Instead, putting people on the right roller coaster when times are good prevents those panic reactions when the market takes a hit.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

How to Build a Family Legacy While Pursuing Your Goals – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

The complexities of estate planning can leave any investor’s head spinning. In addition to ensuring all legal documents are up to date and accurate, it’s important to consider tax implications as you prepare to create a lasting legacy for your family. Many independent financial advisors can help you find the expertise you need.

 

“To preserve wealth for their beneficiaries, we would encourage families to create an estate plan,” says Joseph Zappia, managing partner and co-chief investment officer at LVW Advisors in Pittsford, New York. “And given the complexity of rules that are constantly changing, we think it’s important to consult a broad team of specialists.”

 

Wealth represents more than a number in your brokerage account. Your financial plan should be fully aligned with the things you want to achieve in life. A trusted ally can make you feel more secure by looking out for your financial interests and taking the time to understand your personal ambitions.

 

“By developing deep relationships, we come to think of our clients as partners,” Zappia says. “We encourage them to make us their first phone call, whether they’re contemplating leasing a car, purchasing another home or making plans for their children. By doing that, we’re in a position where we can continually add value beyond just managing investments.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

How to Factor Your Family Into Retirement Plans – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

The complexities of estate planning can leave any investor’s head spinning. In addition to ensuring all legal documents are up to date and accurate, it’s important to consider tax implications as you prepare to create a lasting legacy for your family. Many independent financial advisors can help you find the expertise you need.

 

“To preserve wealth for their beneficiaries, we would encourage families to create an estate plan,” says Joseph Zappia, managing partner and co-chief investment officer at LVW Advisors in Pittsford, New York. “And given the complexity of rules that are constantly changing, we think it’s important to consult a broad team of specialists.”

 

We’re in the midst of a historic intergenerational wealth transfer. While the intricacies of legacy planning can’t be ignored, there’s also an emotional side that’s equally important. Now’s the time to have an honest conversation with your children about money and values—to help them make the decisions that let them pursue their own goals even while receiving financial support.

 

“Investors can build a plan that provides for children, but it’s just as important to make sure they’re emotionally prepared to receive that wealth,” says Contey Smith, an independent advisor at Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia. “That’s ultimately a values-based consideration and it’s different for every family.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

Build a Family Legacy With the Help of an Independent Financial Advisor – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

The complexities of estate planning can leave any investor’s head spinning. In addition to ensuring all legal documents are up-to-date and accurate, it’s important to consider tax implications as you prepare to create a lasting legacy for your family. Many independent financial advisors can help you find the expertise you need.

 

“To preserve wealth for their beneficiaries, we would encourage families to create an estate plan,” says Joseph Zappia, managing partner and co-chief investment officer at LVW Advisors in Pittsford, New York. “And given the complexity of rules that are constantly changing, we think it’s important to consult a broad team of specialists.”

 

Life is unpredictable enough before you factor in the effects of market volatility and the economy’s ups and downs. As you plan for retirement or make choices about your estate, don’t make snap decisions based on short-term uncertainty. Instead, get the expert help you need to make the right selections that can preserve your wealth.

 

“Many clients have more now than they’ve ever had, and they’re looking at it differently. They’re planning for those unusual events,” says Tony Farina, an independent advisor at Capital Advisors Wealth Management in Yakima, Washington. “I call it ‘finding the right roller coaster.’ If you don’t like the big roller coaster, you’re not going to like the drop when it comes. Instead, putting people on the right roller coaster when times are good prevents those panic reactions when the market takes a hit.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

Pursue Your Financial and Life Goals With an Independent Financial Advisor – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

As you approach retirement age, ensure you have a specific vision of what you want to achieve. Will you retire in place or move to a sunnier location? Maybe you’ll travel the world? Whatever the destination, it’s critical to build a plan that connects your life goals with financial strategies that can help you work toward them.

 

“To build and protect your nest egg, investors need to consider a plan that manages risk as well as opportunities,” says Tony Farina, an independent advisor at Capital Advisors Wealth Management in Yakima, Washington. “We ask our clients lots of questions so we can understand their objectives and better determine the next steps.”

 

Wealth represents more than a number in your brokerage account. Your financial plan should be fully aligned with the things you want to achieve in life. A trusted ally can make you feel more secure by looking out for your financial interests and taking the time to understand your personal ambitions.

 

“By developing deep relationships, we come to think of our clients as partners,” says Joseph Zappia, managing partner and co-chief investment officer at LVW Advisors in Pittsford, New York. “We encourage them to make us their first phone call, whether they’re contemplating leasing a car, purchasing another home or making plans for their children. By doing that, we’re in a position where we can continually add value beyond just managing investments.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

How an Independent Financial Advisor Can Help You Retire on Your Terms – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

As you approach retirement age, ensure you have a specific vision of what you want to achieve. Will you retire in place or move to a sunnier location? Maybe you’ll travel the world? Whatever the destination, it’s critical to build a plan that connects your life goals with financial strategies that can help you work toward them.

 

“To build and protect your nest egg, investors need to consider a plan that manages risk as well as opportunities,” says Tony Farina, an independent advisor at Capital Advisors Wealth Management in Yakima, Washington. “We ask our clients lots of questions so we can understand their objectives and better determine the next steps.”

 

Life is unpredictable enough before you factor in the effects of market volatility and the economy’s ups and downs. As you plan for retirement or make choices about your estate, don’t make snap decisions based on short-term uncertainty. Instead, get the expert help you need to make the right selections that can preserve your wealth.

 

“Many clients have more now than they’ve ever had, and they’re looking at it differently. They’re planning for those unusual events,” Farina says. “I call it ‘finding the right roller coaster.’ If you don’t like the big roller coaster, you’re not going to like the drop when it comes. Instead, putting people on the right roller coaster when times are good prevents those panic reactions when the market takes a hit.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.

How an Independent Financial Advisor Can Help You Pass On Values in Retirement – Wall Street Journal Custom Content

By Wall Street Journal Custom Content

 

As you approach retirement age, ensure you have a specific vision of what you want to achieve. Will you retire in place or move to a sunnier location? Maybe you’ll travel the world? Whatever the destination, it’s critical to build a plan that connects your life goals with financial strategies that can help you work toward them.

 

“To build and protect your nest egg, investors need to consider a plan that manages risk as well as opportunities,” says Tony Farina, an independent advisor at Capital Advisors Wealth Management in Yakima, Washington. “We ask our clients lots of questions so we can understand their objectives and better determine the next steps.”

 

We’re in the midst of a historic intergenerational wealth transfer. While the intricacies of legacy planning can’t be ignored, there’s also an emotional side that’s equally important. Now’s the time to have an honest conversation with your children about money and values—to help them make the decisions that let them pursue their own goals even while receiving financial support.

 

“Investors can build a plan that provides for their children, but it’s just as important to make sure they’re emotionally prepared to receive that wealth,” says Contey Smith, an independent advisor at Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia. “That’s ultimately a values-based consideration, and it’s different for every family.”

 

Bottom line: A good way to make sure you are financially ready is to work with an independent financial advisor who puts your interests first. The quarterback leading your financial team, they’re your first call when the markets or your life circumstances take an unexpected turn.

 

An independent advisor can help you develop a customized wealth management plan that’s aligned with your life goals and values—and that gives you a holistic view of your assets. They can help you see around the next corner and provide a steady hand on the wheel during turbulent times.

 

Ready to learn more? Explore FindYourIndependentAdvisor.com to discover the benefits of customized wealth management with an independent financial advisor.

 

We offer our gratitude to the independent advisors who contributed their time and valuable insights: Tony Farina of Capital Advisors Wealth Management in Yakima, Washington; Contey Smith of Elwood & Goetz Wealth Advisory Group in Atlanta, Georgia; and Joseph Zappia of LVW Advisors in Pittsford, New York.

 

The named advisory firms (“Advisors”) custody some or all of their assets with Charles Schwab & Co., Inc. (“Schwab”). The Advisors are independent and not affiliated with Schwab, and their personnel are not employees or agents of Schwab. This is not a referral to, endorsement or recommendation of, or testimonial for the Advisors with respect to their investment advisory or other services. Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading and support services of Charles Schwab & Co., Inc. ©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (1021-1RC4)

Wall Street Journal Custom Content is a unit of The Wall Street Journal advertising department. The Wall Street Journal news organization was not involved in the creation of this content.