Am I on Track?

Look to us and count on our experience to help put you on the path forward to your goals. We will work with you to develop a strategic plan to help you prioritize what needs to be accomplished at different starting points in your life. We will then help you implement any needed changes and monitor your progress over time. Just like taking a trip, you can travel any road and get somewhere, but if you know where you want to go, then you must plan what roads to take. Taking a little time to plan now will help ensure you ultimately get where you want to go. Just know that you don’t have to travel solo.

Planning Considerations

  • Maximizing pre-tax savings for retirement
  • Employee benefit decision and review
  • Health Care Savings accounts
  • Business and career planning
  • Life and Disability insurance
  • Debt consolidation
  • Home purchase and mortgage/refinance considerations
  • Marriage, new family and college funding
  • Divorce planning
  • Special Needs planning
  • Will, Power of Attorney and Health Care Proxies

When can I make the leap?

Determining your income needs during retirement is a complex equation. The challenge is managing a portfolio by withdrawing some money for today’s expenses and investing the rest for the future. We can help you take inventory of your situation and project out your retirement cash flow. This foundation shapes your asset and portfolio allocation decisions heading into retirement. We will set you on a course for a safe, sustainable withdrawal plan considering your assets and potential sources of income. And we will help you coordinate and optimize the liquidation of your retirement and investment accounts considering income taxes and required minimum distributions.

Planning Considerations

  • Business succession planning
  • Retirement cash flow projections
  • Calculating a sustainable withdrawal rate
  • Social Security filing options
  • Income solutions
  • Expense and budget review
  • Concentrated Stock and Options strategies
  • Residency and domicile considerations
  • Health care insurance and Medicare
  • Traditional and hybrid Long Term Care insurance
  • Taking care of dependent parents/children
  • Asset allocation and investment portfolio choices
  • Creating income from investments
  • Executive Benefit planning
  • Pension payout decisions
  • Annuity and Deferred Compensation options
  • Life, Disability and Long Term Care insurance
  • Planning for an inheritance

Can I make my money last?

Inflation, longevity, the method which you withdraw your income and the random sequence of your returns are some of the key risks to your retirement. Even after calculating your retirement spending needs and saving early and often, these risks, if not planned for, could still have you falling short of your goals. Your ACM Wealth Advisor will build an income optimization plan that will take into account these concerns and help you extend your cash flow in the most efficient manner possible.

Planning Considerations

  • Ongoing monitoring of cash flow (income, expenses and income taxes)
  • Recognizing inflation & longevity
  • Managing investment allocations for a long retirement
  • Optimizing proper withdrawal order in retirement
  • Managing income taxes
  • Roth IRA conversions
  • Rising health care costs
  • Taking care of dependent parents/children
  • Home health care and life care community options
  • Downsizing
  • Reverse mortgages
  • Medicaid planning

How will I be remembered?

The term legacy is often associated with the rich and famous or to a large amount of money left to someone. More broadly, our legacy may entail the transfer of values, goals or dreams, memories and, yes, financial assets. And for some, it’s the hope of not being a burden to family or someone else. It’s entirely personal.

As your wealth grows, your financial legacy may become more complex. With more assets and greater value, additional considerations (asset protection, family harmony, estate transfer and gift taxes) come into play. In addition to our expertise, we work with your existing advisors and experts in the fields of estate planning, taxes and philanthropy on a regular basis to ensure that your estate plan is in order.

Planning Considerations

  • Planning for physical/cognitive decline
  • Beneficiary designations
  • Health Care Proxies and medical directives
  • Wills and probate
  • Executor and Trustee/Guardian appointments
  • Blended Families
  • Trusts and Gifting
  • Estate and Gift tax strategies
  • Capital gains and cost basis step-up
  • Charitable giving
  • Private Foundations and Donor Advised Funds
  • Charitable Gift Annuities
  • Family Governance and education
  • Downsizing and long term care
  • Grandchildren education planning
  • Dynastic planning

Wealth Services

ACM Wealth services help families grow, preserve and distribute their wealth on their terms.

Clients can choose to have our ACM Wealth advisors guide them through specific financial planning issues or run point on their total financial well-being.

Our wealth services start with a disciplined approach and an experienced process of helping our client assess and monitor their current and future assets and spending.  We then design the most tax efficient method of distributing and protecting your assets and investment income.

Click here for our latest whitepaper entitled "Key Risks To Your Retirement Income"

Team of Wealth Experts

In alphabetical order by last name
John Bruggemann, CFP®

Senior Wealth Advisor


Cary Carbonaro, CFP®, MBA

Senior Vice President / Director of Women and Wealth

Stephen M. Cash, CFP ®

Wealth Advisor

Jeffrey P. Deiss, CFP®, AEP®

Director of Wealth Planning/Wealth Advisor


Frani Feit, CFP®

Senior Wealth Advisor


James Friedman

Senior Wealth Advisor

Kevin G. Kern

Partner / Senior Wealth Advisor


Susan Kimmel, CFP®, CPA

Senior Wealth Advisor

Marcy Maycock, CFP®
Senior Wealth Advisor
Brayden Little - Headshot (1) (1)
Brayden Little, CFP®, AIF®, BFA™

Wealth Advisor

Karen LoSchiavo

Director of Client Services


Vincent A. Mattone, CFP®

Wealth Advisor


Robert Olsen, AIF®, CLTC®

Senior Wealth Advisor


Mark W. Opila, CFP®

Senior Wealth Advisor


Vincent Panizzi CFP®, APMA®, CRPC®

Senior Wealth Advisor


Aaron Robinson

Regional Vice President, Wealth Advisor


Ted Shediac

Senior Wealth Advisor


Matthew B. Terzian, CFA, CFP®

Senior Wealth Advisor

Nathan Thomsen, CFP®

Regional Vice President, Wealth Advisor

Steve Weiner

Senior Wealth Advisor

Richard Westhelle, CFP®

Wealth Advisor


Click here for our whitepaper entitled "Key Risks To Your Retirement Income"