We don’t stress about what we can’t control.
Life happens and so do the markets — so instead of stressing we plan for what is in our control What is within our control is how we react to what’s happening. Having an all-weather plan in place makes responding to change much easier. At Ciesinski Wealth Management we help you filter out the noise and focus on what matters most.
Here’s how we can help…
When it comes to wealth management, the details matter. Our detail-oriented and research-based approach to designing financial plans ensures that we have analyzed all possible options and outcomes to find the best fit for your goals, your risk profile and your time horizon. We work with you closely and on an ongoing basis to make sure your strategies evolve as you move through different phases of your life.
Regardless of which phase of life you are in, investing in the markets and growing your assets is a vital practice that we all need to engage in. For baby boomers, millennials, or newly minted Gen Z’ers, there’s no better time to start than today. Compounded growth over time will help you accumulate wealth regardless of your time horizon -- it’s never too late to start.
No matter the financial vehicle, we can help you allocate your assets and balance your investment portfolio. We see the whole picture. As such, there are no asset classes we do not have access to should there be a need in your portfolio and overall strategy. We will work with you to take a thoughtful and disciplined approach so that we can achieve the most advantageous results while mitigating the risk of financial loss.
Retirement Income Distribution Planning
You’ve worked hard to get where you are today. Ciesinski Wealth Management takes that very seriously. When the time for retirement comes, you want to enjoy your hard work and get the most out of your career-long efforts. We are excited to help you transition from the accumulation phase to the distribution phase of your journey. You deserve the comfort and flexibility to do what you want in retirement and through our dynamic approach to planning, we can work to ensure you achieve the best possible outcome.
We’ll help you make critical decisions when the time comes to properly allocate assets for income distribution planning. Together, we’ll create a plan that adequately funds the different phases of your retirement.
Understanding your potential tax burden for the future is a vitally important component of your financial planning strategy. Structuring your finances in a tax-efficient manner is critical to managing your overall tax burden. Certain investment vehicles allow you to reduce or defer taxes and we’ll help you determine which is best for you. We help you assess how much income to draw down each year throughout your retirement years so that you can keep more of what you worked so hard for in your pocket (or your grandchildren's pockets).
- Retirement Funding
- Education Funding
- Cash Flow & Budgeting
- Stock Based Compensation
- Income Distribution Planning
- Withdrawal Strategies
- Social Security Optimization Strategies
- Medicare Planning
- Custom Portfolio Construction & Management
- Tax-Efficient Investments
- ESG & Values Based Investing
- Concentrated Stock
- Regular Review Meetings
Income Tax Planning
- Asset Location Strategies
- Tax Loss Harvesting
- Tax Efficient Estate Planning
- Charitable Giving
- Titling of Assets (Beneficiaries)
Family Investment Planning
- Life Intention Planning
- Family Meetings
Eldercare & Long-Term Care
- Privately Funded
- LTC Insurance
Insurance Planning and Risk Management
- Life and Disability Insurance
- Asset Protection
- Succession Planning
Virtual Vault Services
- Online Storage of Important Documents (Wills, Trusts, POAs, etc.)
Collaborate with your team of professionals
*Other services charged at our hourly rate.
Administrative Support offered through America Group
America Group Retirement Strategy Centers is a separate entity from LPL Financial, and its associates are separate from Ciesinski Wealth Management.