Services

At Verdi Wealth Management we help our clients create and implement a fully integrated financial plan.  We start every relationship with a 360-degree view of their financial world, and help transform chaos into order during the financial planning process. Each of our clients has their own individual road map which outlines the best approach towards retirement planning, estate planning, tax minimization, insurance needs, and all other aspects of their financial world. Our detailed planning keeps our clients on the right track before and during retirement.

A Different Set of Lenses –

Partnering with an advisor is not about giving up full control.  It is about gaining objectivity, insight, and expertise from someone who always has your best interest in mind.  As a prospective client, we truly understand you have options in regards to your financial advice.

Managing your own portfolio is terrific.  The irony is, though, the better you are at it, the bigger it grows, and the more beneficial it is to get the point of view of someone who isn’t so personally involved.  If you are currently working with a financial advisor, even the best relationships can benefit from the fresh air of a second opinion.

We can help you think through long-term strategies to meet your personal timelines and objectives.  On the investment side, we may be able to provide you with access to certain investment opportunities that may be unavailable to you.  Whatever your personal situation is, our team can go as deep and broad as you want.

As an independent firm, we’re not bound by proprietary products or steering you towards a particular investment because of some benefit we might get on the backend.  We are just passionate about wealth planning and love using our expertise to help our clients achieve great things.  That’s our backend benefit.

Individuals and Families

At some point in your life, the question, “What’s next?” begins to enter the conversation.  We like to use the phrase, “When does work become an option?”  Wealth Planning is about devising strategies to help you clearly understand the roadmap to your future.  This goes way beyond simply managing your money or “buy low, sell high.”  It is important for us to understand the day-to-day practicality of your life and understand your “critical capital” needs.  We also want to learn about your dreams and aspirations so that we can tailor a plan to help you achieve them.

Individuals and families live lives that are unique in almost every way, especially when it comes to finances.  Careers, kids, grandkids, health, retirement, savings goals, legacy planning, tax planning, insurance planning, etc. – all of these and more are variables that must be accounted for when we create financial plans.  And it must start with a plan. It would be unprofessional of us and a disservice to our clients to provide advice without knowing their short and long-term goals.

Services we provide individuals and families include, but are not limited to:

• Portfolio Management
• Retirement Income Planning
• Risk Management
• Alternative Investments
• Life and Long Term Care Insurance
• Estate and Tax Planning*
• Wealth Transfer and Inheritance Strategies
• Qualified Plans and IRA Distribution Strategies
• Lending and Credit Solutions

*Tax preparation services offered through Verdi Wealth Management are separate and unrelated to Commonwealth.

Businesses

Being a small business ourselves, we know the ongoing challenges and hurdles that business owners have to deal with.  We are acutely familiar with the all moving parts of running a small business and are here to provide as much real-world advice as possible so our clients can spend the majority of their time and energy growing their business and enjoying their life.

Our tax code, for better or worse, tends to be very punitive for high earners.  We want to make sure that our business owner clients take advantage of every opportunity to shelter as much of their income from taxes as possible while staying in compliance with the law.  We help our clients save and invest much more than they traditionally thought was possible, and keep it out of the hands of Uncle Sam.

Services we provide small business owners include but are not limited to:

• Defined Benefit Plans
• 401Ks, Single Ks, Profit Sharing Plans, SEP IRAs, Simple IRAs
• Tailored Retirement Plan Strategies
• Business Tax Return Preparation
• Tax Planning and Consulting
• Ongoing Advice and Consulting

Endowments and Foundations

The amount of charity work that is done in our local, national, and international communities is astounding.  There are so many good people doing so many good things, and yet it seems it’s never enough.  We are always honored when we are approached in regard to helping charitable entities with the management of their liquid assets.  In many cases, these assets are used to provide income for the less fortunate or for the betterment of the community, and it gives us great joy to be a small part of the work that these charities do.

The process by which we provide service and advice to Endowments & Foundations is very similar to an individual client.  In most all cases, these types of charitable entities are in place to benefit people and organizations for many generations to come.  Just like we would with a family or individual, we must find out the goals of the entity first, and create an investment plan that is aligned to meet those goals.

However, unlike a regular individual client, the spending needs of the charitable entity, and in some cases the investment policy statement guidelines must also be accounted for when designing a long-term investment plan.  We help our charitable clients create investment policy statements that can achieve short-term spending goals without taking the focus off of the long-term growth of the corpus.

Services we provide Endowments and Foundations include:

• Investment Management
• Investment Policy Statement Consulting
• 990 Tax Return Preparation
• Ongoing Advice and Consulting

Executive Services

It’s never as simple as “salary plus benefits.”

Compensation at the C-suite level has grown more creative and complex, from start-ups to Fortune 500 companies.  Our wealth management team has over 60 years of combined experience working with C-suite executives across all industries.  We understand the intricacies of stock option planning, and help our clients customize their 10B-5-1 plans, as well as advise on section 83(b) elections. We are experts in all forms of executive compensation such as restricted stock units (RSUs), performance stock units (PSUs), non-qualified stock options (NSOs), and deferred compensation plans.

Stock options, deferred compensation, and significant bonuses are common denominators across many compensation packages, but the best strategies to manage and account for them can vary greatly depending on your personal situation.

Most executives want to be invested in their company’s success, but how much is too much?  We can evaluate all aspects of your corporate benefits package and truly provide objective advice.  For example, if it is an opportune time to sell company stock, we can make that call without any emotional attachment.

Tax Planning

A critical element of any comprehensive financial plan.

What is unique and sets Verdi Wealth Management apart from other advisory firms is our in-house Certified Public Accountant (CPA).  Given the complexity of many of our client’s finances, it is not uncommon for questions to arise about how to best to handle a matter from a tax efficiency perspective.  Having a CPA on our team provides our clients a seamless integrated financial planning experience. Tax return services are available on a case by case basis or if someone has $2,000,000 of investable assets with Verdi Wealth Management.