Who We Help
At Wisepath Financial Group, our mission is clear: Your success is our goal. We specialize in creating personalized financial strategies that empower individuals, families, and small businesses to achieve financial stability, preserve wealth, and build for the future.
Certified Expertise
With over 50 Certified Long-Term Care Planners (CLTC), our team is equipped to address the emotional, physical, and financial impacts of extended care. This certification ensures we’re prepared to recommend long-term care solutions and protect the well-being of you and your loved ones.
Dedicated to Your Path
Partnering with Wisepath means having a team dedicated to optimizing your financial health. We understand that managing finances, especially alongside running a business or balancing family responsibilities, can feel overwhelming. That’s where we step in — to lighten your load and guide you along your unique financial path.
1. Legacy:
Do you have qualified money or annuities you no longer need for retirement income? Do you plan to leave those assets to your beneficiaries? We can show you ways to leverage life insurance to potentially increase the amount you pass on to your beneficiaries.
2. Income Planning:
Life insurance can be an asset in a “class of its own.” With a tax-free death benefit, tax-deferred growth potential, tax-free distributions and no IRS income or contribution limits, life insurance can provide a level of diversification in a well-rounded retirement strategy. With permanent life insurance, such as indexed universal life (IUL), we can help you create a tax-efficient, diversified retirement strategy with the potential to accumulate cash value that can be accessed via policy loans and withdrawals for supplemental retirement income in addition to providing a death benefit.
3. Chronic Illness and Long-Term Care (LTC) Benefits:
With fewer carriers offering traditional long-term care (LTC) insurance combined with the trend of increasing premiums, you may be looking for an alternative to help pay for the costs associated with long-term care. Several life insurance options can help provide you with a level of protection to help cover this need.
4. Policy Review:
Reviews are an opportunity to assess your existing coverage to ensure it aligns with your current life circumstances and comprehensive financial goals, legacy wishes and retirement income needs, and to identify any potential gaps.
5. Tax Benefits:
We all face the dilemma of planning to make sure our money outlasts our lifespan. Taxes can be a question mark in this planning process. Knowing when your income will be taxed is only half the battle. You also need to know what the tax rate for your future income will be. Permanent life insurance, such as indexed universal life (IUL), can be part of a tax-efficient, diversified retirement strategy with the potential to accumulate cash value that can be accessed for supplemental retirement income in addition to providing a death benefit.
Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse or affect any guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax.
This information is not designed to be a comprehensive discussion of life insurance. Product and feature availability may vary by state. Life insurance agents do not give legal or tax advice. Our firm provides insurance services.
LTC benefits are optional and may involve additional annual charges. LTC riders are NOT a replacement for long-term care insurance. Life insurance policies are subject to medical/financial underwriting, contain fees, such as mortality and expense charges, and may contain restrictions, such as surrender charges. If properly structured, proceeds from life insurance are generally income tax free. All insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. While permanent life insurance can provide many possible benefits, please note that exercising one or more of them will likely mean reducing or eliminating other benefits.
We assist clients in:
Preserving what they have
Creating financial stability
Strategically growing their wealth
Our Commitment
To ensure your financial strategy aligns with your specific goals and obligations, we take the time to:
- Listen to your story and aspirations
- Get to know your personal and financial circumstances
- Understand your unique challenges and opportunities
- Address your needs with tailored solutions
Who We Serve
Individuals and Families
Whether you’re planning for retirement, navigating estate planning, or simply seeking financial clarity, we provide individualized strategies to help you secure a brighter future for yourself and your loved ones.
Small Businesses
Operating a business comes with unique financial responsibilities. We assist entrepreneurs in optimizing cash flow, planning for growth, and preparing for transitions, so you can focus on running your business with confidence.
The Wisepath Financial Planning Process
We believe in a hands-on, collaborative approach to financial planning. Our process is designed to adapt to your life’s evolving needs and ensure you stay on track toward your goals.
– 1. Getting Started
Book your call today and we’ll schedule your initial consultation and provide a checklist to help us understand your current financial picture.
– 2. Initial Consultation
We’ll get to know your goals and discuss our approach to goal-based planning. Together, we’ll outline a strategy that reflects your priorities and long-term aspirations.
– 3. Personalized Case Design
After gathering your information, we analyze the best options to address your goals and concerns. We also consult with experts and partners to refine your financial strategy.
– 4. Recommendations and Solutions
We present a comprehensive financial report and actionable recommendations during your second consultation. This includes exploring retirement plans, insurance options, and more to ensure your goals are met.
– 5. Implementation and Follow-Up
We oversee the implementation of your plan, handle administrative tasks, and regularly update you on progress. We also schedule annual reviews to adjust your plan as life evolves.
Why Clients Trust Wisepath Financial Group?
- Empowering 5,000+ clients with tailored financial strategies
- Partnering with 1,700+ attorneys to secure generational wealth
- Collaborating with 1,000+ financial advisors for comprehensive planning
- Guided by over 50 Certified Long-Term Care Planners
At Wisepath Financial Group, we believe financial planning is more than numbers — it’s about creating a secure, successful future for the people who matter most.