Our Mission
To empower clients to achieve a 0% tax bracket in retirement through holistic financial planning. By strategically integrating tax-efficient solutions, risk management, and comprehensive wealth strategies, we help protect your assets, maximize your retirement income, and create a financially sound future.
Our Trusted Process
Our 4-D Planning Process Addresses Every Aspect of Your Financial Health
Reach out to schedule your Discovery Meeting or click below to learn more about our services.
Our Trusted Process
Our 4-D Planning Process Addresses Every Aspect of Your Financial Health
Reach out to schedule your Discovery Meeting or click below to learn more about our services.
WHO WE SERVE
We’re here to guide you through whatever life brings, because your financial journey is about more than just numbers. Many of our clients come to us to plan for:
Growth & Investments
Discover the Impact of Strategic Planning
Strategies for reducing taxes
Investment management
Planning for small business success
Optimizing retirement accounts
Life Events
Preparing for Life’s Unexpected Changes
Marriage
Starting a family
Separation or divorce
Receiving an inheritance
Planning for long-term care
Career milestones – new job, selling a business
Retirement
For Unwinding or Exploring New Paths
Required minimum distributions
Understanding Social Security benefits
Maximizing pension options
Health care eligibility and coverage
Leveraging employee stock options
Planning retirement income and expenses
Legacy
For Unwinding or Exploring New Paths
Transferring assets to heirs and gifting
Trust planning approaches
Estate tax optimization
Charitable contributions Education funding strategies
Businesses
Unlocking Wealth in Your Largest Asset
Tax-efficient growth & wealth transfer
Retirement Plans
Risk management & asset protection
Value acceleration and exit planning
Business succession & continuity planning
Growth & Investments
Discover the Impact of Strategic Planning
Strategies for reducing taxes
Investment management
Planning for small business success
Optimizing retirement accounts
Life Events
Preparing for Life’s Unexpected Changes
Here's some stuff
Marriage
Starting a family
Separation or divorce
Receiving an inheritance
Planning for long-term care
Career milestones: new job, selling a business
Retirement
For Unwinding or Exploring New Paths
Required minimum distributions
Understanding Social Security benefits
Maximizing pension options
Health care eligibility & coverage
Leveraging employee stock options
Planning retirement income & expenses
Legacy
Make a Lasting Impact
Transferring assets to heirs & gifting
Trust planning approaches
Estate tax optimization
Charitable contributions Education funding strategies
Businesses
Unlocking Wealth in Your Largest Asset
Tax-efficient growth & wealth transfer
Retirement Plans
Risk management & asset protection
Value acceleration and exit planning
Business succession & continuity planning
Testimonials
Kim S.
I have worked with both Joe and Justin! They are very personable, knowledgeable, and complete tasks very efficiently! I would highly recommend!
Amanda Y.
Justin has been dedicated to getting me the best options that fit my goals. He's always been prompt when I reach out to him! Very much a wonderful guy with much knowledge in his profession and a passion towards guiding individuals down the right path for their financial endeavors.
Abby G.
Joe has such a great ability to clearly breakdown the complexities of financial information to be easily understood. Joe has been managing my retirement portfolio for over 10 years and has made sure I felt comfortable in every decision being made. I highly recommend working with TerraWealth Leader Heights!
Chris H.
Every interaction is handled with the utmost professionalism and they are so very friendly! I really enjoy everything they’ve done for me.
These are client testimonials. No compensation was given for reviews. Reviews were left on Google Reviews.
Frequently Asked Questions
Are you a fiduciary?
We are committed to the fiduciary standard, meaning we're legally and ethically obligated to put your best interests first. This commitment guides every recommendation we make, ensuring that your financial goals, risk tolerance, and personal circumstances drive our planning.
What services do you offer?
We take a comprehensive approach. Our strategies are dependent on your goals and needs. These may include investments, insurance, planning, or any combination of these.
What types of accounts are best for retirement savings?
There are several ways by which you can save and prepare for retirement. The right choice depends on your income, tax strategy, and retirement goals. These are all a part of what we consider when discussing your specific situation.
How do I set realistic financial goals?
First, we work to understand your ideal retirement lifestyle, income needs, and any specific aspirations you have for the future. We then analyze your current assets, income, and savings to identify any gaps or opportunities for growth. Using these insights, we create a tailored actionable retirement plan that balances your goals with practical milestones. By revisiting and adjusting your plan as your circumstances evolve, we ensure you stay on track toward a secure and fulfilling retirement.
How do you get paid?
How we are paid is determined by the nature of our relationship and the services provided. Sometimes a fee may be assessed to your account. At times we are paid a commission. For plans, a one-time payment will be charged directly to you. We are always transparent about our compensation and will discuss the best option for your financial goals and preferences.
What are your qualifications?
As a fully licensed hybrid advisory firm, our advisors have completed rigorous industry-based examinations. In some instances, professional designations have also been achieved. Additionally, in order to remain current with financial regulations and trends, ensuring clients receive informed, up-to-date advice tailored to their evolving needs we must complete continuing education.
How can I benefit from working with a financial advisor?
Partnering with a financial advisor provides personalized guidance to help you make informed decisions, stay focused on your goals, and adapt your financial strategy as life changes. Advisors offer expertise in areas like investment management, tax planning, retirement preparation, and risk management, and more ultimately helping you optimize your financial well-being and build a secure future.
This material is sourced from believed to be reliable sources. It is not intended to provide tax or legal advice and it is recommended to seek the advice of a tax or legal professional for your specific situation. Some of the content was created by TerraWealth for informational purposes only and does not reflect a solicitation for the purchase or sale of securities. By sharing your contact information, you are giving permission for the recipient to reach out to you using the methods specified. Check the background of your financial professional on FINRA's BrokerCheck. View complete disclosures.