Wealth Management Services in Greater Dayton, OH
Personalized orchestration for your ideal retirement
Tailored Retirement Guidance, Right Here in Dayton
Our Dayton Wealth Management Services
For retirement savers who invest $750,000 or more with Stage Ready Financial Planning, Wealth Management includes the powerful combination of ongoing financial planning and professional investment management. Let Stage Ready Financial Planning handle the math, so you can enjoy the music.
Ongoing Financial Planning Includes
- Organizing & Simplifying Your Financial Life
- Retirement Planning & Goal Planning
- Cash Flow Planning
- Asset Allocation Planning
- Tax Planning
- Social Security & Medicare Planning
- Retirement Income & Pension Planning
- Insurance & Estate Planning
Investment Management Includes
- Professional Management
- Tailored Investment Portfolios
- Income Guardrails Planning
- Contribution and Withdrawal Guidance
- Required Minimum Distribution (RMD) Planning
- Roth Conversions
- Beneficiary Updates and Gifting
- Tax Efficient Investing
Cost of Wealth Management
Assets
Annual Cost
$0 – $999,999
1.00%
$1,000,000 – $1,999,999
0.85%
$2,000,000 +
0.70%
| Assets | $0 – $999,999 |
|---|---|
| Annual Cost | 1.00% |
| Assets | $1,000,000 – $1,999,999 |
|---|---|
| Annual Cost | 0.85% |
| Assets | $2,000,000 + |
|---|---|
| Annual Cost | 0.70% |
*The minimum account size requirement is $750,000 to open or maintain an account under our management. The minimum requirement is based upon the aggregate value of investment advisory accounts in the household. We may reduce or waive the minimum account size requirement on a case-by-case basis. The annual advisory fee is paid quarterly [in arrears] and is based on the account(s) average daily balance.
FINANCIAL PLANNING & WEALTH MANAGEMENT WITH PRECISION
Why Clients in Southwest Ohio Trust Us
CFP® Professional
I don't just manage investment accounts. With the help of your CPA and Attorney, I'll coordinate your taxes, investments, and goals into a comprehensive orchestration. As a CFP® professional, I bring the technical expertise required to ensure your retirement plan is ready to perform.
Fee-Only Arrangement
Just as a conductor’s goal is an outstanding performance, my only mission is your long-term financial success. As a fee-only and fiduciary financial advisor, I never accept commissions. You can be confident that my advice is always in sync with your best interests and goals.
Director's Ear For Detail
Having spent my early career in music education, and now over a decade as a financial planner, I've learned that precision isn't just about the notes or numbers; it's about the peace of mind of knowing every step is planned for the Dayton and Southwest Ohio families that I serve.
We are proud members of
Who We Serve
We proudly serve retirees throughout the Dayton communities, including:
Dayton, Kettering, Centerville, Beavercreek, Bellbrook
Oakwood, Huber Heights, Miamisburg, Springboro, Fairborn
Vandalia, Tipp City, Wright Patterson AFB Area, And More...
What Does Wealth Management Success Look Like?
Retirement stories from your Dayton neighbors...
Laura & Steve
Laura (age 58) & Steve (age 60) are getting serious about retiring while they are healthy to travel, spend time with family, & go hiking in their favorite national parks. They aren’t sure if they’ve saved enough to support their ideal lifestyle and are worried about building a reliable income from their investments that can weather volatile markets.
Tim & Sara
Tim (age 67) & Sara (age 68) retired last year. They’ve started volunteering for a local charity and joined their neighborhood pickleball league. They haven’t started their Social Security benefits because they aren’t sure how it might impact their taxes. They wonder if they are handling their retirement investments properly to minimize taxes and maximize their income.
Your Wealth Plan, Built Step By Step
Step 1
Get Organized
Once we’ve decided to partner together, our first planning meeting will take a deep dive into your financial life and retirement goals. We'll start painting a clear picture of where you are today by building your financial profile and balance sheet as well as prioritizing your major goals. We'll gather any needed documents and show you how to navigate your financial planning dashboard.
Step 2
Retirement Goals & Income
Next, we will review your current spending and saving to help you create a sustainable retirement income plan that includes your goals, healthcare, and inflation. We will also focus on eliminating debt and maximizing your Social Security, pensions, and your investment income so that you can confidently spend how you want in retirement.
Step 3
Investments & Income Taxes
We will build you a portfolio designed to generate steady income throughout retirement. Your investments will be professionally managed so that you can focus on enjoying life rather than worrying about the stock market. We also evaluate potential income tax savings and develop a tax planning strategy in coordination with your CPA.
Step 4
Risk Management & Estate Plan
During our last onboarding meeting, we ensure you are protected when life goes differently than planned. We will review your life, long-term care, disability, property and casualty insurances and recommend any needed changes. We also discuss your estate wishes and either update or build them so that your loved ones are protected.
Step 5
Ongoing Wealth Management
Once we complete onboarding, we will help you implement your wealth management recommendations over time. We will meet twice per year to ensure that we are making progress on your plan, updating your portfolio as your life evolves. In addition, ongoing wealth management often means partnering with local attorneys and CPAs where needed to form a strong financial team to support your retirement goals.
STAGE READY FINANCIAL PLANNING
Ready to Orchestrate Your Ideal Retirement?
Stage Ready Financial Planning strives to help you feel secure and prepared for your ideal retirement. As your fee-only wealth manager, we'll work together to build a clear plan, arrange your investments for income, and address tax efficiency, reducing the noise so you can confidently enjoy the music.
Frequently Asked Questions (FAQs)
That’s a great question, and the jargon in our industry can be confusing. I like to think of a financial advisor as a generalist investment professional who'll occasionally help you with other planning related questions. A wealth manager and financial planner, act as the quarterback for your retirement plan and your entire financial life. The Stage Ready Financial Planning wealth management service offers the powerful combination of ongoing financial planning and professional investment management. For clients in Southwestern Ohio, this means I'm constantly monitoring your financial goals and making sure all your money is working in sync. Let me handle the heavy lifting, so you can enjoy a confident retirement!
The answer to this question is less about a specific number and more about the complexity of your financial life. I've found that the families who benefit most from wealth management have at least $750,000 invested for retirement. At this point, you're likely thinking about tax-efficient withdrawals and required minimum distributions (RMDs), coordinating with your estate planning attorney, and making sure your retirement plan is rock solid. You're not just accumulating money anymore, and instead making sure that your wealth is managed effectively so you can enjoy spending it. Working with a wealth manager can be extremely helpful if you're over 50 and want to protect your life's savings in retirement.
Stage Ready Financial Planning's pricing is completely transparent and client-friendly. As a fee-only financial advisor, I'm legally bound to never sell products with commissions or sales charges. As a wealth management client, you pay me directly with a simple asset-based fee, which means it’s a percentage of the money I manage for you. This fee covers everything, including ongoing financial planning and professional investment management, so there are no separate costs to worry about. You can find our full fee schedule published directly on this services page.
Choosing a wealth manager to help you with your retirement and life savings is a big decision. It's incredibly important to find someone you can trust with your life's savings. Here are a few things that I strongly recommend looking for:
- A Fiduciary Standard: Look for a true fiduciary financial advisor. This means they're legally and ethically obligated to act in your best interest. Financial Advisors associated with organizations like: NAPFA, The CFP® Board, and the XY Planning Network are required to be fiduciaries of the highest standard.
- A Defined Process: Find out if they have a clear, step-by-step defined process. A good wealth manager will walk you through exactly how they approach financial planning, from discovery to implementation and ongoing support.
- Local Roots and Expertise: The right wealth manager should understand the financial goals, lifestyle costs, and values of families here in Southwestern Ohio. Even though Stage Ready Financial Planning operates virtually, my specialty is serving clients in the Dayton area, allowing me to have a deep understanding of what it means to be apart of our local community.
- Fee Transparency: A trusted wealth manager should be completely upfront about their fees and how they get paid.
Yes, absolutely! Stage Ready Financial Planning is fully virtual but specializes in serving retirement savers and families throughout the greater Dayton and Southwestern Ohio area. This includes communities like Centerville, Kettering, Beavercreek, Oakwood, Springboro, and Fairborn, and more. The benefit of being virtual is that I can work with you no matter where you are in the region, or even if life moves you to a new town or state in retirement. My goal is to be your go-to wealth management resource in the region, whether you're planning for or are currently in retirement.
The Stage Ready Financial Planning wealth management service takes a hands on and comprehensive approach to your retirement. You can read a full listing of what's included above on this service page. For Southwestern Ohio clients close to or in retirement, I put special focus on a few important topics to make sure your money is fully aligned with your goals:
- Retirement Planning: I'll help you answer the big questions like, "Can I retire comfortably?" and "How much money can I spend safely without running out of money?" My job is to help you create a sustainable retirement plan that allows you to live the life you've imagined.
- Investment Management: You'll receive a professionally built and managed personalized investment portfolio that's in sync with your financial plan and risk tolerance. I'll make sure your investments are arranged correctly for retirement.
- Tax-Efficient Strategies: We can't control the market but we can reduce taxes and expenses. I'll work with you and your tax advisor to find smart ways to potentially reduce your lifetime tax burden.
- Risk Management: We'll continuously review your insurances and risks, like the cost of long-term care, to make sure your financial plan is protected from the unexpected.
- Estate & Legacy Planning: With help from your estate planning attorney, I'll make sure your wishes are carried out and your loved ones are protected when you're no longer here.
Definitely! Retirement planning is one of the most important parts of wealth management. In fact, it's the foundation of everything I do. My clients are usually focused on the question, "How can I retire comfortably and successfully?" and my entire process is built to help them answer that. We’ll work together to create a detailed retirement plan that covers everything from your spending needs, to your investment and tax strategies. A good wealth manager doesn't just manage your investments, they help you navigate retirement with confidence.
As a Dayton fiduciary financial advisor, my sole commitment is to you. This is more than just a promise, it's my legal and ethical responsibility. I'm required to always act in your best interest when providing you financial planning advice and investment management. I use a defined process that puts your retirement goals front and center. We'll start by getting to know you, your family, your values, and your vision for retirement. From there, we'll work to build your customized retirement plan and investment strategy. I'll help you implement your plan, and then provide ongoing support to keep things on track. The Stage Ready Financial Planning partnership is built on trust, transparency, and the goal of helping you achieve a successful retirement.