Our ServicesFinancial Planning, Reimagined.
A Look Into
Our Process
The G-Force™ Method
A disciplined, data-driven approach to wealth planning.
We clarify your Goals, seek to capture every possible Gain, pursue long-term Growth, and provide continuous Guidance so your plan stays on track through every market season.
Introduction Meeting: Discuss financial goals, investing history, and current situation.
Commitment to Planning: Sign contract, provide necessary documents.
Team Introduction: Service Select Team assigned to you.
Everything starts with purpose.
We clarify what matters most:- Retirement lifestyle
- College funding
- Legacy priorities
- Business exit timing
Clear goals give direction—and eliminate guesswork.
We seek to uncover the small, consistent wins that move the needle:
- Tax optimization
- Expense efficiency
- Strengthening cash reserves
- Aligning risk with real needs
Small gains, applied consistently, deliver big outcomes over time.
We build diversified, time tested investment strategies designed for endurance, not hype.
Growth isn’t about chasing what’s hot.
It’s about being positioned correctly when it counts.
*Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
We provide ongoing behavioral coaching, market interpretation, and accountability.
Annual, Semi-Annual, and Quarterly meetings are held as often as needed.
Markets shift. Life changes.
Your plan adapts, with a professional guiding the long season, not just the highlight reel.
Let's Connect!
Pillar 01 Goals-Based
Financial Planning.
What does living a wealthy life mean to you? We start there then build a plan connecting your income, savings, investments, and protection to the milestones that matter: a home, a career change, financial independence, and everything in between.
Included Services
Where is your money actually going? We map income against fixed and discretionary spending to find the surplus you can redirect toward savings, debt reduction, or investment and to make sure a surprise expense doesn’t derail the plan.
When Can Work Become Optional? We help determine how much to save, which accounts to prioritize, and how to coordinate 401(k)s, Roth strategies, equity compensation, NUAs, and taxable investments. Whether pursuing FIRE, planning an early career exit, or preparing for a traditional retirement, we build a tax-aware roadmap designed to turn today’s earnings into tomorrow’s freedom.
We provide strategic tax planning as a distinct, proactive approach that focuses on legally and efficiently minimizing overall tax liabilities over the long term.
Claiming at 62, at full retirement age, or at 70 can mean a six-figure difference over a lifetime. We model the timing options alongside spousal and survivor benefits so your decision fits the rest of your income picture rather than working against it.
529 plans, custodial accounts, instate tax benefits, and financial aid rules all interact, sometimes in ways that cost you. We help you fund education goals efficiently, choose the right account structure, and coordinate contributions with gifting and estate considerations.
Protecting a loved one with special needs means preserving benefit eligibility while still providing for their future. We coordinate ABLE accounts, special needs trusts, and beneficiary designations so support is there without jeopardizing what they already receive.
Pillar 02Wealth Management &
Compensation Optimization.
Stock options, cash bonuses, employee stock purchase plans (ESPPs), restricted stock units (RSUs), deferred compensation plans (DCPs), initial public offering (IPOs), incentive stock options (ISOs) are complex financial instruments that require careful planning to maximize their benefits. Our expertise in navigating these intricacies can help you make informed decisions that align with your long-term financial goals.
Included Services
Your portfolio should reflect your comfort with risk, timeline and goals, not a generic model.
A self-directed brokerage account (SDBA) inside your 401(k), 403(b), or 457 can open investment choices well beyond your plan’s core menu. We help you decide whether it fits your situation, then manage those assets in coordination with your broader plan.
Insurance is part of your financial plan, not a decision made on its own. We determine how much coverage you need, and not become premium poor. We review life, disability, home, auto, property, liability, umbrella, and long-term-care coverage to identify potential gaps, overlaps, or outdated protection. With rising property values as an example, you must account for the “what ifs” of life.
Pillar 03Risk
Mitigation.
Life is full of uncertainties, and it is crucial to safeguard your financial well- being and the future of your loved ones. From life insurance to disability coverage to long term care insurance, we have the knowledge and resources to guide you through the process. The same holds true for small business coverage.
Included Services
Against a plan, not against an index. AG Wealth Advisors is an independent registered investment adviser, so it is not required to recommend any company’s products. We act as a Fiduciary. Your assets are held in your own name at LPL Financial, LLC.
Giving generously and giving efficiently aren’t the same thing. We help structure donations in appreciated stock, IPOs, donor-advised funds, or qualified charitable distributions so your support goes forward while potentially reducing your tax bill.
Concentrated stock, market swings, and an income tied to one employer create overlapping risks. We evaluate your total exposure—investments, equity awards, and insurance gaps and develop strategies designed to help protect what you’ve built while you continue building it.
Pillar 04Retirement
Strategies.
While assessing your current financial situation, we project future income needs, and develop a personalized retirement plan tailored to your unique circumstances. We like to help our younger clients, but inevitably we get new clients closer to retirement. We navigate the complexities of retirement accounts, tax implications, and investment strategies to help you enhance your retirement savings, explore options such as IRAs, 401(k)s, backdoor IRA Roth and HSA accounts and develop strategies to maximize your retirement income. Very few people reach a fulfilling retirement by accident. It’s intentional. It requires an analysis, a plan, and execution. We are here to help.
Included Services
In retirement planning, life insurance can help protect a surviving spouse’s income, offset estate taxes, or equalize an inheritance among heirs. We evaluate whether existing policies still serve their purpose and whether new coverage strengthens—or simply complicates—your plan.
Pillar 05Business Growth
& Cash Flow.
Operating a small business comes with unique financial challenges and opportunities. By collaborating with us, you gain access to insights and strategies specifically designed to optimize your business finances, manage cash flow effectively, navigate tax implications, and plan for long-term growth and sustainability. Not waiting is important to start working on the exit strategy to exit on your terms.
Included Services
Revenue that looks healthy can still leave you cash-poor. We help you separate business and personal finances, build reserves for lean months and tax bills, and create a system for paying yourself consistently while still reinvesting for growth.
SEP IRAs, Solo 401(k)s, SIMPLE plans, and cash balance plans each carry different contribution limits and tax advantages. We help you choose and design the plan that shelters more of your income while rewarding the employees you want to keep.
Entity election, timing of income and expenses, and retirement plan contributions all shape your tax bill. We work alongside your CPA to coordinate proactive strategies throughout the year—not just at filing time—so opportunities aren’t discovered too late.
Your best people are hard to replace. We help you design benefits, deferred compensation, and key-person insurance intended to reward loyalty, protect the business if a critical employee leaves or passes, and strengthen your position in a competitive labor market.
Small business owners have enough to manage; finding the right employee benefits shouldn’t be another worry. Whether you intend to sell, transfer the business to family, or step away gradually, the goal is to protect what you have built and prepare to exit on your terms.
Pillar 06Estate &
Legacy Planning
Estate planning is not only for the ultra-wealthy. It is an important part of protecting your family, preparing for incapacity, and directing how your assets and values will be carried forward.
We help identify your estate-planning needs and coordinate beneficiary designations, account ownership, trust funding, life insurance, charitable giving, and family legacy goals. Through LPL Financial, we also have access to experienced estate-planning resources that can help evaluate complex wealth-transfer, tax, and family considerations.
We work alongside your estate-planning attorney and other professionals so your legal documents, investments, retirement accounts, and broader financial plan remain aligned.
Included Services
Beneficiary designations, account titling, and trusts determine where your wealth actually goes, sometimes overriding your will. Working alongside your estate attorney, we help align every account with your intentions and seek to reduce unnecessary taxes, delays, and probate headaches.
A donor-advised fund lets you take a potential tax deduction now, invest the assets for growth, and recommend grants to your favorite charities over time. We help you fund it wisely, often with appreciated stock—and build a giving plan around it.
A charitable remainder trust can convert appreciated assets into lifetime income, help defer capital gains, and leave a meaningful gift behind. We work with your attorney to determine whether a CRT fits both your income needs and your philanthropic goals.
For families seeking lasting, hands-on philanthropy, a private foundation offers control over grants, investments, and family involvement across generations. We help you weigh the administrative responsibilities against the benefits and coordinate the professionals needed to run it well.
If you’re 70½ or older, giving directly from your IRA can satisfy required minimum distributions without increasing your taxable income. We help you time and document QCDs properly so your generosity also works in your favor at tax time.
Contact Us Let’s Plan
On It!
Take the first step towards preparing for your family’s future by booking a free initial consultation with us today.