Financial Planning That Gives You the
Confidence to Live Today
Comprehensive Plans for Buffalo Grove and Chicagoland Families
Financial planning isn’t about managing money in separate pieces, it’s about creating a complete strategy where everything works together. Yet most people work with multiple advisors who don’t coordinate. Your investment advisor manages your portfolio, your CPA handles taxes, your insurance agent sells policies, and your estate attorney drafts documents. Nothing is integrated. Opportunities are missed. You’re left trying to piece it all together on your own.
At Wealth Financial Services & Tax Advisory, we serve pre-retirees and retirees who want a different approach. We believe that when your income planning, investment management, tax strategy, healthcare planning, and legacy planning all work together as part of one integrated roadmap, something powerful happens. You gain the confidence to live fully today because tomorrow is planned. That’s the promise of our Safe & Secure Retirement Roadmap. It’s what sets us apart.
Introducing the Safe & Secure Retirement Roadmap
After working with thousands of families over the past three decades, we’ve learned one essential truth, having the confidence to live today comes from taking steps to plan for tomorrow.
That’s why we created the Safe & Secure Retirement Roadmap, our proprietary planning process that coordinates five essential areas of your retirement, all working together to give you financial clarity and peace of mind.
Health Care Planning
- Prepare for long-term care costs without getting long-term care insurance
- Find the best Medicare plan at the lowest cost for your family
- Review your life insurance to see if we can enhance your benefits without paying any more into the policy
Legacy Planning
- Ensure your financial affairs are in order to reduce stress on your family
- Have your Powers of Attorney completed in the event of an emergency
- Ensure your family has funds for funeral expenses within 48 hours of a loved one passing
Tax Planning
- Create a tax plan
- Pay the least amount of taxes over your lifetime
- Tax diversify your portfolio
Investment Management
- We will show you how much risk you're taking today, and ensure that you are comfortable with that risk
- Review the fees you are currently paying
- Make adjustments for better predictability and stability as you near retirement
Income Planning
- Social Security - Are you getting the biggest pile of money out of your family's Social Security benefits?
- Pension planning - What are your options for guaranteed income?
- IRA / 401K, etc. - How/when should you distribute funds?
Comprehensive Financial Planning Services
Each area of the Safe & Secure Retirement Roadmap is designed to work seamlessly with the others, creating a complete financial plan for your retirement.
Income Planning
Retirement means trading your paycheck for a new retirement income planning strategy. How do you create a reliable monthly income without running out of money or paying more taxes than necessary?
We help you coordinate all your income sources. From Social Security, pensions, retirement account withdrawals, and other assets to create a dependable retirement paycheck. We’ll answer critical questions like: When should you start taking Social Security? Which accounts should you draw from first? How do you handle unexpected expenses without derailing your plan?
What’s included: Social Security optimization strategies, pension planning, retirement account distribution strategies, income timing and coordination.
Investment Management
Your investments aren’t about beating the market, they’re about funding the life you’ve always imagined. The Italy trip. Helping your grandkids. The freedom to pursue hobbies and give back to the causes you care about.
We build investment strategies aligned with your life goals and risk comfort, not arbitrary benchmarks. Every investment decision considers your tax situation, income needs, and timeline. For our investment management services, we partner with Brookstone Capital Management ($8.4B in assets) to give you access to institutional-level strategies, while our team actively monitors your portfolio and adjusts as your life and markets change.
What’s included: Risk-aligned portfolio management, tax-efficient investment strategies, fee reduction, active monitoring and rebalancing, coordination with income and tax planning.
Tax Planning
Here’s what separates us from most financial advisors: we don’t just manage your money, we manage your taxes, too. Because it’s not what your investments earn that matters. It’s what you get to keep after taxes.
Every decision we make during retirement tax planning considers the tax impact. From which accounts to withdraw from first, to when to do Roth conversions, to how your investment gains affect your Medicare premiums. We work proactively throughout the year to minimize your lifetime tax burden, not just this year’s tax bill.
What’s included: Tax-efficient withdrawal strategies, Roth conversion analysis, required minimum distribution (RMD) planning, capital gains management, lifetime tax minimization strategies.
Healthcare Planning
Healthcare is often the biggest wildcard in retirement planning. Medicare decisions feel overwhelming. Long-term care costs can devastate even well-planned retirements. And making the wrong choice during your enrollment window can cost you for years.
Medicare planning means we help you navigate Medicare options, evaluate supplemental coverage, and develop strategies to protect against long-term care expenses. Our goal is to ensure healthcare costs don’t undermine the retirement you’ve worked so hard to build.
What’s included: Medicare plan selection and optimization, Medicare Advantage vs. Supplement guidance, long-term care planning strategies, healthcare cost projections, IRMAA (Medicare premium surcharge) planning.
Legacy Planning
Legacy & estate planning isn’t just about what you leave behind, it’s about ensuring your wealth transfers smoothly, your wishes are honored, and your loved ones aren’t burdened during difficult times.
We coordinate with estate planning attorneys to ensure your documents (trusts, wills, powers of attorney) align with your financial strategy. We help you structure beneficiaries properly, consider life insurance needs, plan for charitable giving, and even pre-arrange end-of-life matters so your family doesn’t have to make those decisions during grief.
What’s included: Estate planning coordination, beneficiary optimization, life insurance planning, charitable giving strategies, trust integration, funeral and end-of-life planning.
What Makes Wealth Financial Services & Tax Advisory Different
You have plenty of options when it comes to financial advisors. We’re Local & Experienced We’ve been serving Buffalo Grove and Chicagoland families for over 30 years. We’re your neighbors, invested in this community’s success. Here’s what sets us apart:
We’re Fiduciaries
We’re legally required to put your interests first, always. No conflicts of interest, no hidden agendas.
We’re Independent
We don’t work for a big financial institution pushing proprietary products. We work for you, recommending any investment or strategy that serves your best interests.
We’re Holistic
Most advisors handle one piece of your financial life. We coordinate all five areas. Income, investments, taxes, healthcare, and legacy, so nothing falls through the cracks.
We’re Proactive
We meet with you multiple times throughout the year, not just annually. Our service calendar ensures we’re always thinking ahead and adjusting as life and markets change.
We’re Tax-Obsessed
Other advisors tell you to “ask your CPA” about taxes. We believe tax planning is our job, and every decision we make considers the tax impact.
We’re Local & Experienced
We’ve been serving Buffalo Grove and Chicagoland families for over 30 years. We’re your neighbors, invested in this community’s success.
Read Reviews About Our Financial Planning Services
Your Planning Journey: From First Meeting to Lifelong Partnership
Building your Safe & Secure Retirement Roadmap is a collaborative process. Here’s how we work together:
Step One
Possibility
First, we get to know you and what’s most important to you.
Step Two
Vision
Then we help you see all of the possibilities for you.
Step Three
Implementation
Next, we can create and fine-tune your Safe & Secure Retirement Roadmap©.
Step Four
Ongoing Leadership
Our forward focus and ongoing leadership help you plan for tomorrow to live better today.
Register To Attend One of Our Financial Workshops
Grow with us, and let our fiduciaries give you the details and advice needed to live the retirement life you’re hoping for.
Ready to Build Your Safe & Secure Retirement Roadmap?
After decades of hard work, you deserve a retirement plan that actually works, where all the pieces fit together and nothing falls through the cracks. Learn how we can help you live today and plan for tomorrow.