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Our Services

We offer tailored financial services along with investment management solutions to help you achieve your unique financial goals.

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How We Can Help You

At Fernandez Wealth Management, we understand that clients often prioritize investment performance, and while that is indeed crucial, we believe in a holistic approach to financial planning that encompasses more than just investments. We also recognize that your main worries revolve around having enough money for retirement and the fear of losing your hard-earned savings. Rest assured, our primary objective is to help guide you towards a retirement where you can maintain your current lifestyle without the fear of running out of money. Through our comprehensive services, we aim to optimize your financial well-being and help you achieve your long-term financial goals.

Holistic Financial Planning

Holistic Financial Planning

Taking a comprehensive approach ensures that all aspects of your financial life are carefully considered and aligned with your goals. By considering various elements such as investments, retirement planning, tax strategies, insurance coverage, and estate planning, we can create a well-rounded financial roadmap tailored specifically to your needs. An experienced financial advisor possesses the expertise and knowledge to navigate the complexities of the financial world, helping you make informed decisions and avoid costly mistakes. With our holistic approach, we aim to optimize your financial well-being, both in the present and for the future.

Retirement Planning & Retirement Income Planning

Retirement Planning & Retirement Income Planning

Retirement is a significant milestone in your life, and it requires careful consideration and strategic planning designed to provide a comfortable and financially secure future. We can help you navigate the complexities of retirement planning, taking into account factors such as your desired lifestyle, income needs, and investment strategies. We have the knowledge and tools to analyze your current financial situation, project your future needs, and develop a customized retirement plan that aligns with your goals. Additionally, we stay up-to-date with changing laws, regulations, and market conditions, allowing us to provide you with relevant and timely advice. With our guidance, you can confidently make informed decisions to help optimize your retirement savings. Our hope is that you get to enjoy the peace of mind that can come with a well-prepared retirement plan.

Tax-Efficient Investment Planning

Tax-Efficient Investment Planning

Taxes can significantly impact your investment gains, and by working with an experienced advisor, we can help you navigate the complexities of the tax landscape. We have the expertise to analyze your investment portfolio and identify tax-efficient strategies that can potentially minimize your tax liability. This includes strategies such as tax-loss harvesting, asset location, and utilizing tax-advantaged accounts. By implementing these strategies, we can help you keep more of your hard-earned money and potentially enhance your overall investment returns. We stay up-to-date with the ever-changing tax laws and regulations, ensuring that your investment plan remains optimized for tax efficiency. With our guidance, you can make informed investment decisions that align with your goals while minimizing your tax burden.

Insurance Analysis

Insurance Analysis

Insurance serves as a crucial safety net, providing financial security and peace of mind in times of unexpected events. With our expertise, we can conduct a thorough analysis of your insurance needs, considering factors such as your lifestyle, family situation, and financial goals. We assess your existing coverage to ensure it aligns with your needs and identify any potential gaps or overlaps. Our team can help you make informed decisions about the types and amounts of insurance that are appropriate for your circumstances. When you work with us, you can have confidence that you are adequately protected and prepared for any unforeseen circumstances that may arise.

Generational & Estate Planning

Generational & Estate Planning

Planning for the future and ensuring the smooth transfer of wealth to future generations is a complex process that requires careful consideration. By working with an experienced advisor, we can help you navigate the intricacies of generational and estate planning, ensuring that your wishes are carried out effectively. We collaborate with you to develop a comprehensive plan that takes into account your family dynamics, financial goals, and tax implications. Neither Gio nor Joey are attorneys. While we cannot give legal advice, we can help facilitate Estate Planning and Trust needs with our trusted partners for legal services, or review your legal documents and coordinate with your attorney. Our expertise also allows us to anticipate potential challenges and provide guidance on how to mitigate them.

Widow & Widower Transition Planning

Widow & Widower Transition Planning

We understand the unique challenges that come with the transition of becoming a widow or widower. During this difficult time, it is crucial to have the support and guidance of an experienced advisor to help navigate the financial aspects of this transition. Our experienced professionals can assist you in reviewing and updating your financial plan, ensuring it aligns with your new circumstances and goals. We can also help you understand your rights, benefits, and options for managing your finances, including insurance claims, pension benefits, and estate matters. We will consistently work closely with you to address any concerns or uncertainties, providing clarity and guidance every step of the way.

Services & Costs - Customized and Transparent

Our approach to services and costs is both straightforward and adaptable to your financial situation. Our fee structure is founded on the principles of clarity and transparency, tailored to align with our clients' varied financial situations. Our suite of services is extensive, offering holistic financial planning, investment management, retirement strategies, detailed insurance reviews, tax and estate analysis, education planning, business consultations, charitable giving strategies, and cash flow planning. While it's important to note that investments, products, or external services we recommend may carry their own costs, we guarantee full disclosure of these expenses to our clients. This approach is integral to maintaining transparency and trust. The fees discussed below pertain exclusively to our financial planning and investment management services, ensuring you have a clear and thorough understanding of our partnership terms before any commitments are made. Fees are subject to change, but only after discussion and agreement with the client.

  • Comprehensive Financial Planning and Investment Management:
    • For clients seeking both comprehensive financial planning and our investment management services, we propose a tiered fee model. Please contact us to discuss what services are available to you and the associated fees.
  • Comprehensive Financial Planning:
    • For clients who would like our advice, planning analysis, and guidance, but prefer to manage their own investments, are without assets currently available for our management, or whose assets are below our minimum, we offer an in-depth financial planning service. This option ranges from a minimum of $3,500 and up depending on the complexity of the financial plan. As always, we will discuss the fees before you decide on any commitments.

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