Wealth Management

Wealth Management

Wealth Planning

Our team of professionals will design a wealth plan that evaluates your current financial situation by analyzing your income and expenditures to identify how you will attain your specific short-term financial goals and retirement goals. We provide regular reviews and modifications, assuring that your wealth plan is current and dynamic.

Our team at WCS provides complimentary focused planning, which includes the following components:

  • Determine Your Risk Tolerance number:

    The individual rate of return designed to help you work toward achieving your goals and objectives.

  • Personalized Goal Based Planning:

    Narrowly tailored to identify and address your specific goals and objectives.

  • Risk Management Planning:

    Comprehensive analysis of life, disability, long-term care and other risk management solutions.

  • Social Security Analysis:

    Custom analysis of every Social Security claiming option available.

We are also experienced in addressing the emotional and financial impact of: Life Transitions, Business Transitions, Generational Transfers. We believe that financial planning isn’t a one-time event but an evolving process reflecting changes over your life. Just as your personal goals and finances change, so should your wealth planning.

Portfolio Management

Utilizing a disciplined investment process, our clients receive transparency of information, ongoing proactive service, and the trust and accountability needed to meet their financial objectives. Our team works with numerous industry-leading research firms to manage your portfolio on a day to day basis. This is done continually following a 5-Step process to construct your customized portfolio designed to achieve your stated goals.

Our 5-Step Process to Managing Your Portfolio

  1. Determine an appropriate asset allocation designed to reach your stated goals. This will primarily be based on a risk assessment, time horizon, and your prior investment experience.

  2. The creation of strategic portfolios, selecting asset classes based on forward looking economic data and correlation assumptions. We frequently review in an attempt to position ourselves in front of developing trends. As Warren Buffet says, “Find a trend; throw yourself in front of it.”

  3. Utilization of independent fundamental analysis software to research securities for use in your portfolio.

  4. Utilization of independent technical analysis software to tactically adjust deployment levels of the securities within your portfolio. This is also used to enhance investment entry and exit decisions.

  5. Ongoing monitoring of the portfolio performance as well as your goals. This is vital to review progress and ensure your current strategy remains appropriate as changes in your life occur.

“Build, Manage & Preserve” strategy is how we help you manage wealth over time

Risk Management

Risk Management is an essential part of any wealth planning process. Our team of Insurance Specialists identifies risks that could tremendously impair your financial situation. While it's critical to focus on what may go right with your situation, it's also crucial to consider how you may be negatively impacted without protections in place. Cost-effectively transferring risk to an insurance company's deeper pockets may be prudent to minimize the financial damage of a catastrophic, unanticipated event. Some of the ways we utilize insurance in the wealth planning process include:

  • Life Insurance commonly used for income replacement, business succession funding and estate planning, as the payouts are generally tax-free if structured properly. There are many different types of life insurance available today and our team of professionals will help you chose the right policy or combination to protect what matters most to you.
  • Disability Insurance Protects your income in the event of your inability to work due to a disability which may occur in your working years. Your ability to earn income is one of your biggest assets for years to come and should be protected.
  • Long-Term Care Insurance Used to protect your assets in case you cannot perform some of the Activities of Daily Living. The benefit can be paid for respite care, adult day care, in-home care, assisted living as well as nursing home care. These costs are very high today and will only increase, therefore passing this risk to an insurance company is usually a sound strategy.

Estate Planning

Have you considered your legacy? For many people, family and charity are high on the list of those who should benefit from their work life. However, the governments also want a piece of the action. We are here to help you understand how your assets will be distributed under your current estate plan and existing tax law. Our team will work with you and your existing financial professionals and attorneys to formalize your wishes to minimize the administrative burden potentially and to maximize the value distributed to the people and causes you care about.

Employee Benefits

We offer multiple employee benefits that can become available for you company employees. Some of the more common benefits of interest to your employees include:

  • Group Health insurance
  • Group Disability insurance
  • Group Life, Dental, Vision and Life Insurance
  • 401K Plans

For your highly compensated or key employees, we also offer various executive benefits options.

Executive Benefits

To motivate your executives to work hard and stay at your company, consider paying the premiums on a specially designed employee-owned life insurance policy. The premium amount becomes a compensation bonus to the executive. With these plans, the premium amount is tax-deductible to you, the employer. We structure these plans so the policy's cash value accumulation fund and death benefit can provide:

  • Survivor Income
  • Retirement Income
  • Estate Liquidity
  • Educational Funding

Want to sweeten the retention pot? You can add a restrictive endorsement that limits the executive’s access to the policy cash values until a certain date.

Qualified Plans

The Wisdom of a Well-Designed Plan

Smart retirement plans hinge on making saving easy for employees — and making work easier for you. With a competitive plan that can provide financial security, you have the potential to make your workforce happier, more focused and more productive. Better yet, it’s a way to attract – and keep – the talent your company’s success depends on.

Your plan should reflect the expectations of your diverse workforce. At the same time, it has to take into account all of the complex rules, regulations and laws put out by ERISA and the DOL. All while building in the demographics, data and unique culture of your business. The work can be overwhelming. That’s why we offer companies like yours game-changing solutions, processes and systems, backed by highly personalized consulting support.

We help take the worry out of retirement planning so you – and your employees – can focus on business.


  • Fixed Annuities
  • Variable Annuities
  • Immediate Annuities
  • Deferred Annuities
  • Group Medical Insurance
  • Key Employee Insurance
  • Survivor Life Insurance
  • Disability Insurance
  • Retirement Programs
  • Fixed Life Insurance
  • Variable Life Insurance
  • Long Term Care Insurance
  • Term Life Insurance
  • Asset Allocation
  • Brokerage Accounts
  • Charitable Donations Strategies
  • Deferred Compensation
  • Estate Planning
  • Investments
  • Stocks
  • Bonds
  • Business Succession Strategies
  • College Funding
  • Employee Benefits
  • Executive Bonus Arrangements
  • Mutual Funds
  • Split-Dollar Arrangements


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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck