Personal Financial Planning
An independent plan, not a product pitch.
Unlike firms whose financial planning is driven by the sale of financial products, Nadler Financial Group offers independent, objective advice. Each plan is customized to a client’s actual situation.
Six interrelated areas, reviewed together.
Depending on your needs, your plan may include any combination of the following. We review each area together because they are interrelated — a Roth conversion changes a Medicare premium, a 529 contribution changes a state tax bill, an estate-tax decision changes a beneficiary form.
Retirement Planning
Mapping the path from today’s savings to a paycheck you can rely on for life — stress-tested against inflation, taxes, and sequence-of-returns risk.
Investment Planning
Asset allocation that matches the risk you can tolerate and the return you actually need to reach your goals — not a benchmark someone else chose.
Income Tax Planning
Year-round tax-aware decisions: Roth conversions, charitable strategies, asset location, capital-gain timing, and coordination with your CPA.
Estate Planning
A coordinated review of your wills, trusts, beneficiary designations, and titling — alongside referrals to the attorneys we trust to execute the documents.
Insurance Planning
Life, disability, long-term care, and liability coverage right-sized to the gaps your plan still leaves — chosen on price and quality, not commission.
College Education Funding
529 plans, custodial accounts, financial-aid implications, and grandparent contributions — balanced against your own retirement, never at its expense.
Finding the “loopholes” before they cost you.
When the six planning areas are reviewed together, we can identify the gaps that quietly expose families to unnecessary income or estate taxes, significant unmanaged investment risks, or potential catastrophic financial problems.
To implement our planning recommendations, we offer direct access to investments through our wealth management practice, plus referrals to our network of qualified attorneys, accountants, insurance brokers, and other professionals when specialized services are needed.
* The scope of the services provided will depend upon the terms of the engagement.
Curious what a fully coordinated plan would look like for you?
A 30-minute conversation is usually enough to know whether our boutique approach fits your situation. There’s no obligation — just a clearer view of what could be improved.