Pre-retirees & Retirees

You’re living in or looking forward to your third phase of life. You’ve saved diligently to bring your retirement dreams to fruition. Now you want to make sure your future is safe. We help retirees and pre-retirees answer pressing questions such as:

 

• Do I have enough saved, or is there a possibility of running out of money in retirement?
• How do I take my income from retirement accounts (401(k)s, IRAs, etc.) in the most tax-efficient way?
• Who will my money go to after I pass away?

Business Owners

Building a business from the ground up requires a person with unique talents. Business owners also confront some special challenges that raise questions involving:

 

• Structuring your business
• Business retirement planning
• Succession plan structuring
• Selling your business in the most tax-efficient way

By partnering with Cestia Wealth, you’ll have a team who understands your needs as a business owner and can help optimize your business finances.

Corporate Executives

You’ve climbed the corporate ladder and worked hard to build a career and grow your wealth. The complex circumstances you face as a C-suite executive or seasoned professional require experienced financial advisors who have handled challenges like:

 

• Evaluating and understanding stock options, deferred compensation plans, and company benefits
• Choosing between a pre-tax 401(k) or a Roth 401(k)
• Identifying and rectifying gaps in insurance coverage, including life, disability, and long-term care

Successful Individuals & Families

Maintaining and growing your wealth positions you and your family for continued success. The complex financial needs of your family don’t have to be overwhelming. Cestia can help you:

 

• Set aside education funds for your children
• Breathe new life into your finances after a divorce
• Plan to transfer wealth through estate planning

Endowments and Nonprofits

The financial advisors at Cestia Wealth can help nonprofits manage their finances and more, such as their investments or their endowment. We provide fiduciary and unbiased financial advice that works in the best interests of our clients. We will help you:

 

• Offer your board and investment committee annual or even biannual education about goal setting, risk profiles, and tying money to specific goals
• Develop an investment policy statement to help you to meet your fiduciary duties
• Use acceptable types of investments to help grow your resources for the future
• Implement strategies to enhance gifting to your organization