Who We Serve
Our Clients are Affluent Individuals, Families, and Businesses.
Your family’s future financial security depends on your selection of the right wealth-building partner, and making the right decision will have major consequences later in life.
That is why we decided many years ago to work with families with more complex financial situations. The pressure is on us to ensure our advice and services meet your expectations.
Whether securing your retirement, protecting your assets, or preparing your wealth for a transfer to the next generation, we deliver sage advice and peace of mind so you can focus on what matters most to you and your spouse.
Our clients fall into categories that have relatively unique needs:
Protecting What You’ve Worked So Hard to Build
At Proper Wealth Advisors, we understand the heart and hustle you’ve poured into building your business. Your company isn’t just a livelihood—it’s a legacy, a testament to years of dedication, tough decisions, and bold risks.
Whether you’re planning to sell your business, transition to a new chapter, or ensure its long-term success, we’re here to guide you every step of the way.
Our work doesn’t begin with the business sale; rather, the sale is the culmination of the strategic, thoughtful planning we’ve partnered with you to achieve.
As a business owner, you face unique financial challenges and opportunities. Our Florida-based team specializes in working with entrepreneurs like you, offering tailored financial planning that aligns with your personal and professional goals. We take a proactive, hands-on approach to ensure your business and wealth are protected, optimized, and positioned for success.
Here’s how we support you:
- Key Person and Leadership Retention Plans: Your business thrives because of its people. We help design retention strategies, such as deferred compensation or incentive plans, to keep your key team members committed and motivated, ensuring stability during transitions or sales.
- Connecting You with Trusted Professionals: From business brokers to tax attorneys, we leverage our extensive network to connect you with the right experts, streamlining complex processes like business valuations, legal structuring, or succession planning.
- Contingency Planning: Life and business are unpredictable. We develop robust contingency plans, such as buy-sell agreements or disability protections, to safeguard your business and family in the event of unexpected challenges.
- Asset Protection and Tax Minimization: We structure your business and personal finances to shield your wealth from risks and reduce tax liabilities. This includes optimizing business entities, leveraging tax-advantaged strategies, and planning for efficient wealth transfers to your heirs.
- Pre-Sale Financial Optimization: Long before a sale, we work with you to maximize your business’s value and financial outcome. This includes aligning your financial goals with the proceeds, such as funding education, travel, or philanthropy.
- Holistic Wealth Management: Beyond the business, we create a comprehensive financial plan that supports your lifestyle and long-term aspirations, whether you enjoy family time, pursue new ventures, or give back to your community.
Why Proper Wealth Advisors?
Our fiduciary approach means we focus solely on your best interests. We’ve guided countless business owners through successful transitions, from pre-sale planning to post-sale wealth management, ensuring they can confidently savor the rewards of their hard work.
As your trusted partner, we handle the financial complexities so you can focus on what matters most—your family, your passions, and your next adventure.
High-Net-Worth Individuals
- How do I integrate charitable giving and family legacy planning?
- Am I using the right tax strategies to minimize unnecessary wealth erosion?
- Is my estate plan up-to-date and properly structured?
- How can I preserve family harmony while sharing wealth with future generations?
- Should I use trusts, partnerships, or other vehicles to manage assets?
At Proper Wealth, we take the time to understand your complete financial picture, including your personal values, goals, and how you want your wealth to serve you and those you care about most. Our team offers tailored advice and strategies designed to align with your priorities and evolve with your life’s complexities.
We’re here to help you grow, preserve, and enjoy the life you’ve worked so hard to build while also planning for what comes next.
Helping You Plan Today for a Secure Tomorrow
Far too often, if you are just starting and don’t have $1 million or more of assets, you may think your only wealth management option is an inexperienced advisor or, worse, a wealth management firm telling you: “Come back in a few years when you can meet our minimums.”
Our younger clients also have unique financial needs and need the same planning and support as clients who have already accumulated wealth. Their planning doesn’t have to wait for them to have a lot of money invested.
Some of the decisions facing young professionals include:
- How much to save for our future vs how much can I spend now
- Tax-efficient planning for where to save
- Ensuring the family is protected in case of a tragic event
- Navigating job or career changes
- Managing debt: student loans, mortgages, etc.
- Purchasing a new home
At Proper Wealth, our starting point is based on your values, goals, and unique needs. Our services will grow as your financial complexity increases. We are here to help every step of the way.
Planning Your Retirement with Confidence
Several stages of retirement require our advice and services:
- Accumulation Phase: Building wealth and preparing financially for future goals.
- Transition Period: The five years before and after shifting to a new life stage, during which plans and income are adjusted.
- Early Independence Years: Embracing newfound freedom with an active lifestyle and financial flexibility.
- Mid-Life Independence Years: Balancing enjoyment and stability as priorities evolve.
- Later Life Years: Focusing on legacy, health, and sustained financial security.
Whether your retirement is approaching or several years away, it demands thoughtful planning and the right decisions so you have plenty of assets and income later in life.
Examples of retirement decisions that require diligent planning include:
- When to claim Social Security?
- How about a Roth conversion?
- Is your portfolio allocation designed to minimize risk?
- How much inflation-adjusted income will you need?
- Do you have a budget with spending limits?
- Are there any major expenses during your early retirement years?
- Are you concerned about healthcare expenses later in life?
The Proper Wealth team can assist you in crafting a custom retirement blueprint that answers all of these questions and provides a robust plan based on your values, goals, circumstances, and concerns.
As financial fiduciaries, we provide holistic planning, portfolio management, and steady support, ensuring our clients’ peace of mind. Your hard work deserves a retirement that matches your vision—we’re here to make it happen.
Success Should Be a Reward, Not a Burden
Let us help you harness the full potential of your wealth and get on the path to meaningful growth. Our strategies are tailored to fit your unique goals and aspirations.
