The WYZE Services Standard

Institutional expertise, boutique-level attention

Retirement Planning Investment Management Tax Planning Insurance Planning Estate Planning

Retirement Planning

Plan your ideal lifestyle without the risk of running out of money.

Your retirement plan is tailor-made to you. It’s a living, breathing document that we monitor and adjust based on stock market and life changes.

Our Retirement Planning Process Includes:

  • Goal Setting
  • Replacing your paycheck with your retirement savings
  • Social Security Maximization: Expert advice on navigating the 10,000+ Social Security filing strategies.
  • “What-if” Planning: We run multiple scenarios within one comprehensive plan that will answer your “what-if” retirement questions.
  • Spending Monitoring: We monitor your plan and let you know when any circumstance allows for more or less spending.
  • Health Care Stress-Testing: Secure yourself against unforeseen medical expenses. Our health care stress test addresses the suitability of self-funding or insuring potential long-term care costs.
  • Pension vs. Lump-Sum: Determine whether monthly pension income or a lump-sum distribution is optimal based on your unique situation.

Investment Management

Optimize your spending power in retirement.

We tailor your portfolio to you, on a foundation of time-tested principles and science-based evidence. We invest based on decades of research and historical data, not short-term trends.

Our Investment Management Process Includes:

  • Broad Diversification: Our portfolios own many securities. Investment outcomes do not depend on a single company or sector.
  • All-Season Multi-Asset Strategy: Utilizing our exclusive All-Season framework, we navigate changes in economic growth and inflation to provide more consistent returns in various market environments.
  • Disciplined: Our disciplined rebalancing approach maintains risk alignment and seizes opportunities through a buy-low-and-sell-high approach.
  • Cost-Efficient: We are paid by clients, not our vendors, incentivizing us to prioritize low expense ratios and trading costs.
  • Tax-Optimized: We seek to reduce taxes by using broadly diversified exchange traded funds (ETFs) with low turnover; using tax-advantaged vehicles such as ETFs for their ability to do like-kind exchanges; and implementing tax-loss harvesting.
  • WYZE Direct Strategy: Our proprietary stock model focuses on investing in companies with time-tested attributes that have historically driven stronger returns. A more concentrated approach enhances the potential for better risk-adjusted results.

Tax Planning

Lower your taxes today and during retirement.

Our Tax Planning Services Include:

  • Tax savings projection: quantifies lifetime tax savings when implementing our tax planning recommendations to your situation if left unchanged.
  • Lower Retirement Health Care Costs: The higher your income, the higher your Medicare premiums. We aim to meet your spending needs without increasing your health care costs.
  • Income replacement and cash flow coordination: Our tax smart drawdown strategy will address which account types (taxable, Traditional IRA, Roth IRA, cash savings, etc.) should be used and when to replace your income during retirement.
  • Roth Conversion: When impactful, we will lower your future tax bill by recommending Roth IRA conversions to fill lower tax brackets during lower income years.
  • Charitable Gifting Strategies: Support your cause while receiving a tax break for doing so.
  • Required Minimum Distributions: Avoid the 25% tax penalty for mandatory IRA distributions miscalculations.
  • Inherited IRA Distribution Planning: Complex inherited IRA distribution rules make planning for increased income a necessity. We are experts in this area.
  • CPA & Accountant referral network: Work with vetted CPAs and accountants to maximize your tax savings and file quickly and affordably.

Insurance Planning

Our insurance planning approach focuses on lowering costs and maximizing your protection.

Our Insurance Planning process includes thorough reviews of the following policy types:

  • Life Insurance
  • Long Term Care Insurance
  • Medicare & Health Insurance
  • Liability Coverage (Umbrella)
  • Property and Casualty (Home & Auto)
  • Insurance Expert referral network: Work with vetted insurance experts to eliminate coverage gaps.

Estate Planning

Plan your ideal lifestyle without the risk of running out of money.

We begin with a thorough review of your unique objectives and determine if any changes should be made to your existing estate plan, or if you should consider more optimal strategies.

Your team of advisors at WYZE Wealth works with estate planning attorneys to help you articulate your goals, minimize taxes, and protect your assets.

Our Estate Planning process includes:

  • Review of existing estate plan
  • Estate tax avoidance/minimization strategies
  • Asset titling & probate avoidance: We will assist you in aligning your asset titles and beneficiary designations to support your estate planning goals and avoid probate.
  • Family gifting & charitable donation strategies
  • Attorney referral network: Work with vetted attorneys like many of our existing clients to update your existing estate planning documents, drafts new ones, etc.

Ready to know if your money will last — not just hope it will?

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