built around you
Personalized Financial Planning
At Sculati Wealth Management, we have always been of the mindset that we need to know the in's and out's of your financial life to make appropriate recommendations. Knowing whether you contribute to a retirement plan, need funds for an upcoming kitchen remodel, or you'd like to maximize college savings, is extremely important to us. These examples of life events can alter how we give you advice. We take these goals and make them into a tangible plan that helps us set personal goals with you that we can monitor as time passes.
Let's Build Your Plan
Starting Point
When you decide to take a vacation, do you just purchase an airplane ticket and take the first flight out-of-town? Generally, the answer is no. Why would you do the same thing with your retirement or college savings?
We understand that for most people, it can feel overwhelming balancing all of the complexities found within today's financial world. Popular terms can be confusing and starting from a point of limited knowledge can feel intimidating. We want to remove that from the equation. Any financial plan is better than having no financial plan, and we will hold your hand through the entire process until you feel that what we've created together is accurate and attainable.
Scenario Modeling
Real questions deserve real modeling. We test early retirement dates, market declines, business sale timing, college start years, and healthcare cost ranges to show how choices affect outcomes. Tools like probability analysis, tax-aware withdrawal mapping, and optimal account contributions turn "what-ifs" into informed decision making. When life throws you a curve ball, we refresh assumptions and update the plan so you always know your next move.
Monitoring and Benchmarking
Your plan is a living document. We review at least annually as well as when you go through major life events. Expect plain-English reviews where we bring things down to your level of knowledge and help you feel confident in your decisions. We can provide a short list of next actions if needed, and we proactively coordinate with you to make sure your plan is put into action. We will reach out to compare your most recent financial plan to your current situation, discuss adjustments such as rebalancing, or simply to verify contribution goals.
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Any plan is better than no plan
Portfolio Strategies
Where your most aggressive investments are matters. Where you decide to take your first distribution from matters. Where you regularly save matters. We can help you determine what matters most.
Personal
Goals
Life is made up of a series of major events. Whether it's planning for an approaching retirement date, deciding when to draw on social security, or which accounts to save or draw from, we help plan it all.
There is no such thing as a "basic financial plan". Everyone has complexity in their life whether they have $100,000 or $1,000,000. Let us help you create scenarios that work and reflect your situation.
Real-Life Scenarios
What is the difference between financial planning and wealth management?
Financial planning is the roadmap. Wealth management follows this roadmap via implementation, ongoing investment oversight, and coordination with your tax and legal professionals. In nearly all cases we start with the plan and move forward from there.
When should I create my financial plan?
If you've never created a financial plan before, or perhaps it's been a long time, you should create one as soon as you can. Life is constantly changing, and when you know your general situation is stablized that is the best time to create a plan.
What is the fee you charge when creating my financial plan?
Most external wealth management companies charge a fee for every financial plan they create. At Sculati Wealth, we include a starting financial plan for every client whose assets we manage.
How often will we meet to review my plan projections?
Every year we include a comparison for where we planned your investments would be, and where they are. If major life events require more frequent meetings we adjust for that also.
What information is required to create a financial plan?
Financial plans can be constructed with minimal variables, such as birthdates, current income, general risk tolerance, and current available investments. However, depending on your situation will determine what is needed. Providing us with as much information as possible will help us create the most accurate plan we can.
Need Additional Help?
Have questions about timelines, investments, or taxes in your plan? Talk with Sculati Wealth Management for clear next steps and a plan that fits your life.