Financial life planning

We help you align your financial decisions with your life goals for long-term success.

Budgeting & cash flow analysis

Get expert guidance on managing your income and expenses to optimize cash flow.

Investment portfolio review and management

We review and manage your portfolio to ensure it aligns with your risk tolerance and financial objectives.

Insurance review and recommendations

Ensure your insurance coverage is adequate and cost-effective with our personalized recommendations.

Estate planning needs analysis

We assess your estate planning needs to help protect your wealth and legacy.

Multi-year stock option exercise strategies

Maximize the value of your stock options with our tailored multi-year exercise strategies.

10b5-1 plan recommendations

We provide expert advice on creating or optimizing your 10b5-1 plan for strategic stock trading.

Retirement planning

Plan for a secure and comfortable retirement with our comprehensive strategies.

Tax-efficient investment strategy

We design investment strategies that minimize your tax burden while growing your wealth.

Tax planning and preparation of your annual tax return

Receive year-round tax planning and precise preparation of your annual returns.

Review of prior-year tax returns

We conduct a thorough review of past tax returns to identify potential savings or issues.

Home purchase analysis and advice

Get clear insights and advice on the financial aspects of purchasing a home.

And much more, tailored specifically to you.

We offer personalized, comprehensive services to meet your unique financial needs.

Before we begin working together, your fee will be clearly outlined and agreed upon—no surprises. Fees are conveniently deducted directly from your investment accounts held at Charles Schwab.

What sets us apart is that our ongoing fee isn’t solely based on the size of your investable assets. We believe your account balance alone isn’t an accurate reflection of the complexity of your financial life or the level of time and resources required to provide the right advice and planning.

Most advisors who charge based on assets under management typically take between 0.8% and 1.5% annually. For a $1,000,000 account, that translates to an annual fee between $8,000 and $15,000. And as your account grows, so do their fees—often without any additional work on their end! We focus on delivering value that aligns with your unique financial situation, not just the size of your portfolio.

How it works:
Your financial journey starts with a clear plan, but it doesn’t end there. At VIP Wealth Advisors, we create your personalized financial roadmap to guide your future decisions. As life unfolds—markets shift, tax laws change, and your personal goals evolve—we’re here every step of the way, ensuring your plan adapts to meet your needs. With our ongoing planning and investment management service, you’ll have a trusted partner to help you navigate every twist and turn.

Financial planning is a journey, not a one-time event.  It’s a continuous relationship between us, built on regular Zoom meetings, phone calls, and emails. Our ultimate goal is to empower you to make informed decisions about your finances so you can enjoy the retirement you’ve always dreamed of.

We typically schedule two formal meetings per year where we’ll update your plan, refine your portfolio withdrawal strategy, set tax planning goals, review estate plans, and address any other financial questions you may have. But life doesn’t wait for formal meetings, and neither do we. Whether it’s a new opportunity, an unexpected challenge, or simply a question, we’re always here for you—ready to connect via Zoom, phone, or email whenever financial decisions arise.

Stay connected to your financial world with your personal finance portal through eMoney, our cutting-edge planning software. This portal aggregates all your banking, investment, and lending accounts into one seamless view. You’ll have real-time access to track your net worth, monitor investment holdings, review cash flow projections, and explore various financial reports.

On the investment side, we provide ongoing discretionary management of your assets through accounts held with Charles Schwab. Our approach is straightforward, passive, and fee-conscious, ensuring your portfolio stays diversified, cost-efficient, and aligned with your risk tolerance. We primarily use a combination of Vanguard ETFs that track major stock and bond indices, and often incorporate individual U.S. Treasury securities for added security.

With VIP Wealth Advisors, you’re not just getting a plan—you’re gaining a dedicated partner committed to helping you navigate life’s financial complexities with confidence and peace of mind.

For whom is this service best:
Our service is ideal for individuals with complex financial portfolios who seek a trusted fiduciary partner to guide them through ongoing financial, tax, and investment decisions. If you’re looking for expert advice and long-term support in navigating the complexities of financial independence, we’re here to help.

This service is typically most cost-effective for clients with investable assets of $3,000,000 or more. Our expertise is with clients who require a high level specialization in tax planning and investment management.

Next Step:
Book a free, no-obligation Discovery Call with us. We’ll discuss your financial goals and determine together if we’re a good fit.

* The fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments, own multiple rental properties or otherwise have a lot of complexity in your financial life. We will quote you the final fee after having an introductory call