Cutler Wealth Planning

Financial Planning for a Brighter Future

Expertise

We’re Here For You So You Can Be There For Them

Our clients are family-oriented people who want the freedom to spend time doing what they enjoy with those they love. They’re usually entering a complex financial season such as retirement, and they want a partner to guide them through the process so they can focus more on what matters to them. We act as a financial guide, creating a practical plan for their wealth so they have clarity and confidence about the future. In short, we empower our clients so they can freely and confidently pursue their best lives.

Custom Strategies That Align With Your Best Interests

Our mission is to serve others through thoughtful financial planning, and that looks slightly different for each client. We specialize in family wealth management and retirement planning, and we work closely with you so we can tailor the experience according to your unique needs. Wherever you are in life, we help you address the bigger picture of your financial goals, and we provide full-service planning to support you at every stage of your journey.

Investment Management

Financial Planning

Investment management

Disciplined Investment Approach

Our investment strategy is rooted in a goal-focused and disciplined approach, backed by rigorous academic research, enabling us to make informed decisions based on long-term trends rather than short-term market fluctuations.

Low-Cost Investment Solutions

We believe in utilizing low-cost exchange-traded funds (ETFs) and mutual funds to manage expenses, with the goal of your investments growing more efficiently over time.

Inflation Protection

We help you understand the impact of inflation on your portfolio and implement strategies to mitigate its effects, with the goal of ensuring your financial security well into the future.

Customized Portfolio Development

We specialize in developing personalized investment portfolios tailored to match your risk tolerance and align with your retirement goals.

Strategic Asset Allocation

Our experienced team carefully determines the optimal mix of asset classes to better position your portfolio while managing risk.

Retirement Distribution Strategy

As you transition into retirement, we assist you in developing a sound distribution strategy, including direct deposits, Required Minimum Distributions (RMDs), tax withholdings, 401(k) and 403(b) rollover services consolidation.

Tax-Efficient Portfolio Management

Our team carefully considers the tax implications of your investments, structuring your portfolio to maximize tax efficiency and minimize your tax burden.

Ongoing Monitoring and Adjustments

We regularly monitor your portfolio's performance, making necessary adjustments to ensure it remains aligned with your goals and adapts to changes in the market or your life circumstances.

Diversification

We leverage the benefits of diversification within and across asset classes, providing you with a well-rounded portfolio that is designed to capture growth opportunities while mitigating potential downside risks.

Financial Planning

Retirement Planning

Our team will help you develop a plan to achieve your retirement goals, taking into account your current savings, expenses, and expected retirement income. We can also advise you on when to begin taking Social Security benefits and other retirement accounts for maximum income.

Cash Flow Planning

Our team can help you optimize your spending and saving habits to maximize your cash flow and achieve your financial goals. We can also help you manage debt and create an emergency fund to ensure that you're prepared for unexpected expenses or income loss.

Investment Planning

We can help you create an investment plan that aligns with your goals, risk tolerance, and time horizon. Our team will work with you to select investments that fit your unique situation.

Tax Minimization

We'll work with you to identify tax-efficient strategies to minimize your tax liability and maximize your after-tax returns. We can provide guidance on tax-deferred and tax-free investments, charitable giving, and other tax planning strategies.

Insurance Planning

Our team will help you assess your insurance needs and recommend the right types and amounts of coverage to protect your assets and manage risk. We can provide guidance on life insurance, long-term care insurance, disability insurance, property and casualty insurance, and health insurance.

Education Planning

We offer education and guidance on financial concepts and strategies to help you make informed decisions and build a solid financial foundation for your future. We can also help you plan for education expenses for your children or grandchildren.

Major Purchase Planning

We'll provide guidance on major purchases, such as buying a car or a home, to help you make informed decisions and manage cash flow.