Practice Areas

Most advisors won’t tell you this, but the truth is, as independent advisors, we all pretty much have the same tools.  Where the herd begins to separate is knowing how and when to use which tools given the particulars and complexities of each different case.  Here at Trovato Wealth Management you won’t find any cookie-cutter approaches.

We are a full-service, independent wealth advisory firm.  We don’t have a canned, one size fits all, Wall Street approach to investing and retirement planning.  We personalize every plan for every client based on your particular needs, wants and wishes.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives.  We exist to help our clients engage, plan, implement and review a customized, full-scope financial planning strategy utilizing the following  services:

Fee-based personal financial planning (including accumulation, preservation and distribution of wealth)

Financial planning is at the very core of the services we provide for successful individuals & families, and businesses. We have a fully integrated total wealth management structure that we refer to as 360 degree wealth management.  It provides a more complete view of our client’s financial condition and planning issues.  This approach leads to more effective decisions in that each component of our client’s financial situation – estate, investment, retirement, business owner and college funding, as well as insurance, if applicable – is analyzed and evaluated. We then develop your specific plan

Estate Planning

Preserving wealth for intergenerational transfer can be complex.  The experience we bring and the guidance we provide can go a long way towards helping ensure your financial success is shared with your family, friends and/or non-profit organizations that you designate.  We will help you develop and articulate your estate planning goals, and we will work closely with your estate planning attorney to ensure your financial plan reflects your estate planning needs. Or, if you prefer, we can provide our own team of professional advisors adept at the intricacies of estate and tax planning.  Whether you use a trust or another method for accomplishing your estate planning goals, we can assist you in navigating today’s complicated tax and estate laws.

Philanthropy planning

We create customized charitable giving solutions to optimize tax benefits and available financial resources to accomplish our clients’ philanthropic objectives and legacy desires. These solutions include donor advised funds, direct gifts, and a wide variety of charitable trusts.

Retirement planning

This is the nerve center of what we do. TWM analyzes current holdings and funding levels along side of what your goals for income and retirement timing may be. We then create a strategy to make sure that your retirement is what you envision it to be, while mitigating several outside risks. Retirement is usually a one-time decision, therefore precision here is key.

Portfolio management

The biggest benefit to being affiliated to an independent broker dealer representing your interests is that we are not tied to banks, Wall Street brokerage houses or proprietary product producers.  TWM has the objectivity to come along side of the client, shoulder to shoulder, and recommend what is best for them considering everything available to them. We do this by analyzing the best and safest investment path to get them to their goals. Once the path is set, we continue to adapt if needed to market conditions or if the client goals change. The portfolios should simply be a constant reflection of the purpose or goal.

Tax strategies

At TWM there is a lot of emphasis placed on tax efficiency. In what has been and most likely will continue to be an interesting tax environment there are both challenges and opportunities. TWM continues to work with estate advisors and our clients CPA’s to minimize our client’s tax exposure. This can involve various trust and tax deferred instruments

Risk management solutions

TWM uncovers all the risks that can be associated with your financial and estate plan. Often times it can make sense to insure those risks to allow the plan to be ‘self completing’ in the event the unexpected happens. This can be a complex and overwhelming process on your own. We will properly analyze and provide advice and solutions to make you comfortable knowing in all cases, you are covered

Long-term care

In the world of long-term care and its landscape it can be an expensive and complicated purchase if done incorrectly. Any long-term care issues need to be considered within the plan and also compliment the financial plan. TWM has the resources to provide solutions in this area.

Stock option planning

As large company employers try to find more ways to add incentive to an employee on a feasible and tax favorable basis. Stock options and Employee Stock Option Purchase programs (ESOP’s) can become a key part to their retirement plan. TWM can help maximize the ESOP on a retirement income, tax, and diversification level.

Education planning

Funding education can be an intimidating process. As you value an education for your family, we value educating you on your options to save for it. TWM will find the proper way for you to save for you families education, so when they are ready for school…so are you.

 

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