Financial Planning Services

Customized To you and your goalS

Butera Wealth Management offers personalized concierge quality financial planning and investment management.

Financial planning is a broad topic covering many different subjects including retirement, college planning, estate planning, tax planning, savings goals, debt structure, insurance review, investment decisions and asset allocation.

Each plan begins with a thorough review of your current financial situation. Just as you would not want a doctor who has not thoroughly reviewed your medical history and symptoms to write a prescription for you, we cannot provide financial advice without understanding your individual financial situation.

Once we have had the opportunity to get to know you and your current situation, we can create a plan that will help you pursue your goals.

On an ongoing basis, we will review your progress, keep you up to date on anything that may need adjusting, and be a trusted resource for anything that involves a dollar sign in your life.

We Specialize in Personal Financial Planning

Let us help you answer the important questions and develop a plan that works for you.

Retirement Planning

Retirement Planning
  • How much do I need to save to be able to retire?
  • Am I saving in the right types of accounts?
  • Should I be using a traditional 401(k), Roth 401(k), IRA, taxable account, other?
  • Is my allocation too aggressive or too conservative?
  • When do I need to change my allocation?
  • How much will I be able to withdraw from my accounts?
  • Which accounts should I draw from first?
  • When should I begin collecting Social Security or my pension?
  • What happens if the market crashes when I’m about to retire?

Tax Planning

Tax Planning
  • Am I paying too much in taxes?
  • What can I do to keep my income in the most favorable tax brackets?
  • Should I convert my IRA to a Roth IRA?
  • Should I consider tax-free municipal bonds?
  • Am I taking advantage the types of accounts that will maximize my tax savings?
  • Should I be concerned with the amount of required minimum distributions in retirement?
  • Can I avoid paying more in Medicare Part-B premiums?
  • How might changing states impact my tax bill?

Investment Planning

Investment Planning
  • How much risk am I taking with my portfolio?
  • Is my portfolio appropriate for my goals?
  • How does an above or below average rate of return impact my goals?
  • How can I best manage the taxes on my portfolio?
  • When should I change my allocation?
  • My company just changed the 401(k) plan options, what should I do?

Insurance Planning

Insurance Planning
  • Do I need the insurance coverage I have?
  • Should I purchase whole life or term life coverage?
  • Do I have enough life, disability income, long-term care, or personal liability insurance?
  • What do I do if my long-term care insurance premiums keep going up?
  • How do I compare Continuing Care Retirement Communities that offer long-term care versus the coverage I already have?
  • How do I know if I’m properly protected against liability?

College Planning

College Planning
  • How much do I need to save to send my kids to college?
  • What types of plans should I use – 529 plans, IRAs, taxable accounts, savings bonds?
  • Should I limit my child to in-state schools only?
  • Will I be able to secure loans to pay for college?
  • How do different accounts affect my ability to get financial aid?

Estate Planning

Estate Planning
  • Do I need an estate plan?
  • Do I need a trust?
  • How should my accounts be registered?
  • Where will my assets go when I pass away?
  • What other documents do I need to consider?
  • How can I make sure my accounts are handled if I become incapacitated?
  • How can I avoid probate?

Start Planning Today | Contact Us

Thank you!