Let’s Do Life

How A Financial Advisor Can Help No Matter What Stage of Life You Are In

There is no predetermined benchmark or criteria that you must reach to let you know it’s time to partner with a financial advisor. At Virtus Wealth Management, we believe we can help you no matter what age you are, what life stage you are in, or how much money you are working with. We want you to feel educated, empowered, and involved in the planning of your financial future.

We understand that everyone lives life in their own unique way and not everyone is working to achieve the same milestones. Everyone has different dreams, different interpretations of ‘financial freedom’, and different plans for the future. There are no absolute truths when it comes to investing and your finances; no rule book of set instructions that would financially benefit every person at every stage of his or her life. Here is where we can help.

Our advisors have the education and the years of experience in order to provide you with the facts needed to make the right choices for you and your family. Our goal is to help you get from where you are today to where you want to be in the future.

That is why it is important that your financial advisor truly knows your life, your family, your goals and anything else that makes you, you. Successful wealth management extends beyond investment advice and asset management. Our job is to help you coordinate and unify the decisions in your financial life, so that those decisions complement each other and strive to produce enhanced results.

We will look at the big picture and bring all of the various pieces that affect your financial situation together to create a stress-tested, personalized plan to help you achieve your goals and your dream future. Seeking the guidance of a professional wealth manager with experience can help you establish a written, resourceful plan to pursue your milestones, update that plan as your life and goals change, and ultimately maximize the efficiency of your wealth.

The essential components of a holistic approach to financial advising include, but are not limited to, tax reduction strategies, milestone planning (whether your milestones are retirement, travel, buying your first home, etc.), risk reduction and wealth preservation, as well as estate planning and legacy goals. It’s all personalized to you. Find your stage(s) below to see how we can help you more specifically.

What Stage Are You In?

An "Adulting gets real" infographic with an illustrated man and woman.


Adulting Gets Real

Questions and Frustrations You May Relate To:

  • How can I take advantage of new corporate benefits?
  • What is the smartest way to start investing?
  • How much should I have saved for emergencies?
  • Are my goals realistic financially?
  • Where do I start with an estate plan?
  • What if I want to do things differently?
  • How do I know when it’s time to work with a financial professional?

Responsibility Gets Real

Questions and Frustrations You May Relate To:

  • How do we save for retirement while still trying to pay for our education?
  • How do I maximize corporate benefits after a promotion or job change?
  • Are we on track in regards to retirement planning?
  • Am I paying too much in taxes?
  • What if I want to do things differently?
  • How do I know when it’s time to work with a financial professional?

Planning Gets Real

Questions and Frustrations You May Relate To:

  • What is the smartest way to pay for our children’s college education?
  • Should we update our estate plan or insurance coverage now that we are newly empty nesters, divorced, or remarried?
  • What are the financial and emotional costs of caring for elderly parents?
  • How can I best protect my family and assets?
  • How do I find the right balance of investment risk and reward?
  • Am I successful enough to retire?

Retirement Gets Real

Questions and Frustrations You May Relate To:

  • Am I emotionally prepared for retirement?
  • What about my legacy?
  • Am I prepared to cover any potentially serious health-related costs that could occur in retirement?
  • What is the best way to transition my business or wealth?
  • How do I retire without losing principle?

Services We Provide

Establish Good Financial Habits
  • Emergency Savings
  • Borrowing Strategy
  • Expense/Budgeting/Saving/Setting Financial Goals
Understanding Investing and Asset Protection
  • Investing & Mutual Fund Basics
  • Socially Responsible Investing Options
  • Risk Tolerance
  • Why asset protection is important
  • House Buying versus Renting/Long versus Short Term Mortgages
Maximize Corporate Benefits
  • Retirement Plans
  • Health Insurance
  • Group Life & Disability Insurance
  • Salary Deferral Plans
Rollovers/Account Consolidation
Building and Preserving Wealth
  • Investment Strategy
  • Asset Management
  • Market Perspective
  • Playing Catch-Up
Implement & Adjust Asset Protection
  • Car Insurance
  • Home Owners Insurance
  • Individual Life & Disability Insurance
  • Umbrella Policy
Planning for Education
  • Savings & Investments
  • Pre-Paid Tuition
  • Student & Parent Loans
  • Grants & Scholarships
Estate Planning
  • Wills & Trusts
  • Power of Attorney
  • Medical Directives
  • Guardianship
Retirement Planning
  • Target Dates
  • Target Spending
  • Target Funding & Asset Buckets
  • Financially/Mentally/Emotionally Prepare
  • Establish/Implement/Update/Solidify Plan
  • Healthcare Considerations
  • Long Term Care Insurance
Tax Planning
  • Tax-Loss Harvesting
  • Stock Options
  • Tax Management Strategies
Business Planning
  • Corporate Structure
  • Business Continuity & Succession Planning
Second Opinion Service
  • Stress Test Your Portfolio & Retirement Plan
Assisting Parents
  • Long Term Care
  • Eldercare Counseling
  • Medical and Housing
  • Manage & Invest
  • Effective Incorporation Into Your Plan
Divorce / Remarriage
  • Financial Considerations
  • Estate Planning & Asset Protection Recommendations
  • Beneficiary Updates
  • Merging Finances & Financial Plans
Planning For Grandchildren
Retirement Income
  • Working in Retirement
  • Social Security Planning
  • Tax-Advantage Distributions
Healthcare Considerations
  • Medicare Planning
  • Supplemental Insurance
  • Long Term Care
Estate Plan Execution
  • Execute Intentions
  • Preserve Wealth
  • Gift to Charity

Next Steps To Take

If you are seeking a financial advisor, we want to invite you in to our office for a complimentary consultation so you have the opportunity to get a better understanding of who we are and what we can do to help you and your specific situation. If you’d like more details and specifics regarding how we can help you at this particular time in your life, we offer complimentary consultations during which you can get a better understanding of who we are and what you can gain from working with our team.

We also provide more information in our Virtus View – a newsletter we send via email twice each month. For the latest investment insights, tips, and strategies to help you live your best financial life, you can sign up to receive this newsletter at the bottom of this page. In addition, past Virtus View articles can be read here on our blog.

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