Financial Wellness for Life®
We are your complete financial advocates, serving as both your investment manager and financial planner.

Financial Wellness for Life®
We are your complete financial advocates, serving as both your investment manager and financial planner.

Financial Wellness for Life®
We are your complete financial advocates, serving as both your investment manager and financial planner.

The first step to your financial future is easier than you think.
- You’ll receive one-on-one concierge service with our Certified Financial Planners®.
- You’ll get the knowledge, tools, and personal guidance to achieve the worry-free retirement of your dreams.
- We’ll recommend a portfolio designed exclusively for you, based on your needs and goals.
Guidance and ongoing support across each financial planning element.

Jennifer, 47
"Will I be able to live the retirement of my dreams?"

Her set risk level was far too aggressive for her needs and the overlap in her asset classes was highlighted by numerous junk bond funds she held.

Rebecca, 60
"When should I take distributions from my IRA?"

Once we showed her the tax consequences as well as the benefits of delaying Social Security income, she changed her mind in an instant! Analyzing when, how and from where to take the money is one of the most crucial challenges in retirement.

Once we showed her the tax consequences as well as the benefits of delaying Social Security income, she changed her mind in an instant! Analyzing when, how and from where to take the money is one of the most crucial challenges in retirement.

Rebecca, 60
"When should I take distributions from my IRA?"

Lauren and Peter, 58 & 59
Married
"Why did I suddenly receive a $40k tax bill in the mail?"
In April, Lauren and Peter called us in a panic. They had a $40,000 tax bill and had no idea why. Their current advisor had given them no warning. An active mutual fund they had held for years, had generated a large capital gain distribution in December. To make matters worse, the dividend was reinvested and now they had to create more gains because they needed to sell shares to pay the tax! This never needs to happen! We became their new advisors and began to work to make sure there were no surprises in the future. Taxes are a fact of life but with careful planning you can minimize the impact and amount you have to pay. By the next year, Lauren and Peter were prepared. They had a plan and were confident in the outcome. No more shocking tax surprises!
Myth:If you are paying taxes, you are making money.

They had a $40,000 tax bill and had no idea why. Their current advisor had given them no warning.

Janet was single, had no children and was ready to retire. What income was she replacing with this insurance and for whom? She had plenty of assets.

Janet, 55
"My term life policy is up for renewal, what should I do?"

Janet, 55
"My term life policy is up for renewal, what should I do?"

Janet was single, had no children and was ready to retire. What income was she replacing with this insurance and for whom? She had plenty of assets.

Elizabeth, 72
"How do I handle my brother's estate?"

Elizabeth was dragging a cart behind her of banker's boxes. her brother's estate was in chaos - no clear list of investments, accounts scattered across numerous banks, paper certificates found in and on his desk are only a few of the issues we encountered.

Elliott and Audrey came to us with investments in 17 different places: old 401ks from past jobs, accounts inherited from parents and mutual funds statement from long-ago investing. Their dining room table was loaded with unopened envelopes - some including checks!

Eliott and Audrey, 66 & 69
Married
"Their dining room table was loaded with unopened envelopes - some including checks!"

Eliott and Audrey, 66 & 69
Married
"Their dining room table was loaded with unopened envelopes - some including checks!"
Elliott and Audrey came to us with investments in 17 different places: old 401ks from past jobs, accounts inherited from parents and mutual funds statements from long-ago investing. Their dining room table was loaded with unopened envelopes – some including checks! They had no idea what they owned or if the investments were right for them. After all of their accounts were centralized at TD Ameritrade Institutional, just having everything in one place was liberating. What a relief! Only one quarterly statement with all of their holdings. And they were able to eat in the dining room again!
Myth:Having investments in multiple places means you are diversified.
Truth: The goal is to simplify; to collect everything in one place! All custodians like TD Ameritrade, are insured so there is no need to hold your accounts in different places. On the contrary, it’s confusing and leaves your beneficiaries with a lot of additional stress – just what they don’t need at that time.

Elliott and Audrey came to us with investments in 17 different places: old 401ks from past jobs, accounts inherited from parents and mutual funds statement from long-ago investing. Their dining room table was loaded with unopened envelopes - some including checks!
5 Mistakes Your Financial Future Cannot Afford.
5 Mistakes Your Financial Future Cannot Afford.
Schedule today
to ensure availability!
Limited sessions available each month.
In your Financial Wellness for Life® sessions, you will receive:
- One-on-one, concierge service from our Certified Financial Planners®
- Ongoing guidance on every financial question you have
- Regular check-ins about your financial goals
- A portfolio that is hand-tailored just for you
- Fully-diversified investments
- A unique Financial Wellness For Life roadmap
Investment advisory services offered through Better Money Decisions, LLC, an investment advisor registered through the SEC.
Better Money Decisions, LLC, may transact business only in states in which it is registered, or in which it is excluded or exempted from registration.
Better Money Decisions, LLC, is currently registered in the states of New Mexico, Arizona, Texas and California.
REGISTRATION
Investment advisory services offered through Better Money Decisions, LLC, an investment advisor registered through the SEC.
Better Money Decisions, LLC, may transact business only in states in which it is registered, or in which it is excluded or exempted from registration.
Better Money Decisions, LLC, is currently registered in the states of New Mexico, Arizona, Texas and California.