We take pride in delivering top-quality financial planning and investment management services to our clients. We believe in building long-term relationships with our clients and helping them pursue their financial goals through well-informed decision making. Our comprehensive suite of services includes financial planning, tax planning, wealth management, and more. With our personalized approach, we provide tailored guidance to clients across various financial situations, ultimately enabling them to secure their financial future, here’s how we can help:


Income Tax Issues

  • Provide information about tax-planning strategies
  • Simplify investment tax reporting
  • Discuss the benefits of optimizing your 401(k), or other retirement plan options
  • Provide capital gains and loss planning
  • Help you mitigate taxation of Social Security benefits
  • Provide a year-end capital gains/loss analysis

Cash Management

  • Evaluate current holdings and look for potential opportunities to increase returns on cash accounts
  • Help determine an appropriate amount of “easy-access” funds to have available for emergency or opportunity

Investment Management Planning

  • consolidate investment paperwork
  • Provide 401 (k), 403(b) or 457 plan guidance
  • Evaluate investment alternatives and your risk tolerance
  • Explain investment ideas in a manner that makes it easy to understand
  • Provide secure on-line brokerage account
  • Provide annual asset allocation review and , as needed, account rebalancing
  • Conduct annual review of investment
  • Review your investment strategy to help maintain an individualized, high-quality portfolio
  • Create and review an investment strategy tailored to your needs

Economic Analysis

  • Provide economic and stock market updates and explain what it means to you
  • Help you evaluate the economic news to determine what you should and shouldn’t be concerned about

Retirement Planning

  • Evaluate pension plan structures, IRAs, Roth IRAs or qualified plans
  • Analyze distribution options for pensions
  • Calculate retirement plan benefits, including Social Security(fee)
  • Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
  • Provide Roth IRA conversion calculations and advice

Emotional Support

  • Provide positive encouragement and motivation for effort and successes
  • Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
  • Support you through transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
  • Encourage you to save and invest
  • Evaluate your risk tolerance and help determine your tolerance for loss
  • Help you understand the various attitudes toward money and the financial decision-making associated with each of them
  • Address problems quickly
  • Provide friendly and knowledgeable support
  • Continue to seek out professional education to myself to better serve you

Provide Educational Information

  • Provide investment information with a comprehensive approach ( Forecast & Half-Time events)
  • Keep you up to date with product, service, strategy changes and improvements
  • Conduct semi-annual financial review meetings, with calls as needed in between
  • Provide appointment summary follow-up letters or emails, send weekly newsletters or updates

Financial Goal Planning (Fee)

  • Provide more confidence for financial matters, focusing on goals, priorities, direction and structure
  • Conduct annual planning evaluations and tracking of goals
  • Provide proactive follow up on action items
  • Develop, establish and track individual and family goals
  • Promote vacation planning and quality-of-life enhancements
  • Calculate net worth and review cash flow annually
  • Analyze debt structure and organization and assess lending opportunities
  • Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs and PMI reduction strategies
  • Help prioritize your spending and prepare for potential pitfalls
  • Look for opportunities for additional savings

Insurance Review

  • Evaluate current life, disability, long-term care, health, umbrella, property and look for opportunities for improvements or money savings

Employment Support

  • Explain how to best utilize employer benefits (pensions)
  • Analyze the economic benefits of employment offers
  • Evaluate stock options and distributions as well as restricted stocks

Self-Employment Issues

  • Evaluate current business insurance and provide options if needed
  • Provide referrals to business valuation specialist
  • Help you manage retirement plan tracking and maintenance: contributions made,contribution limits, profit sharing tax forms (5500), etc.
  • Provide information on business transition or succession strategies

College Planning

  • Research opportunities and help calculate college financial aid programs
  • Educate you on the various minor account ownership options: UTMAs, Education IRAs,529 plans, etc.

Estate Planning

  • Advise on the implementation and proper use of estate planning tools: wills, trusts or power of attorney *
  • Provide education and guidance on charitable giving alternatives
  • Review ownership and beneficiary designations on all accounts


  • Analyze the effects of inflation on your goals/plans
  • Provide referrals to CPAs, attorneys, mortgage brokers, etc.

*Please note Maheras Wealth Management and LPL do not provide tax or legal advice, or services.