The WealthPlan LLC

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David Warshaw, CFP 
Founder of the WealthPlan, LLC

Working with The WealthPlan means working one-on-one with me, David Warshaw, a Certified Financial Planner for over 20 years. Let me tell you about my Four Seasons Approach to Financial Planning: a fully customizable framework I created to help my clients reach their retirement goals.

The Four Seasons Approach to Financial Planning

Just as the seasons change, so do your yearly financial needs. With my Four Seasons Approach to Financial Planning I guide you through each quarter of the year – with tailored strategies that align with exactly where you are on your road to retirement.

Q1

Winter

Retirement & Cash Flow

One of the most important things I do is help optimize clients’ finances for both today and tomorrow. I want to ensure you’re aware of your monthly expenses so you can budget better, determine your savings rate, and calculate your future income so you can retire with confidence.

Q2

Spring

Tax Planning & Insurance Optimization

We want to be proactive when it comes to taxes. This is why I review your prior year’s tax return using a tool called Holistiplan to determine key tax rates, strategies to lower your taxes, and make other observations that can benefit you in future years.

Q3

Summer

Estate Planning & Assistance To Loved Ones

Optimizing your estate and transferring assets to loved ones requires smart, forward-looking strategies. I work closely with you to create estate plans that ensure your legacy, as well as to develop strategies for helping those you love, including parents, children, grandchildren, and charities.

Q4

Fall

Investment & Account Reviews

It’s essential to review our shared investment philosophy, with close consideration of performance in the past year. Together, we evaluate portfolios annually, as well as go over outside accounts so I can help your complete financial health.

My Clients

I work one-on-one with clients at every stage of their career. Here are a few of the people that I’m proud to be partnering with for their retirement planning.

Michael: Young Professional

Age: 29
Income: $60,000 per year
Family Structure: Single

Description: Michael is a young, single professional who recently started his career. He partnered with me at The Wealth Plan to build a solid financial foundation, save for future goals, and make informed decisions about investments and debt management. Michael likes to meet over Zoom and is comfortable working with online financial tools.

Fee: A monthly fee of $100 with a 1-year agreement

Jim & Beth: Growing Family

Ages: 42 and 39
Income: $250,000 per year (combined)
Family Structure: Married with 1 child & hope to have more

Description: Jim and Beth are married and each enjoys a stable career as they’re starting their family. They are interested in financial planning to secure their children's education, save for retirement, and protect their family's financial future. I meet with Jim and Beth individually and together over Zoom.

Fee: Assets Under Management

Meredith: Pre-Retiree

Age: 60
Income: $80,000 per year (individual)
Family Structure: Divorced with 2 grown children & 5 grandchildren

Description: Meredith is approaching retirement age. She is single with grown children, and she is looking for financial planning services to ensure a comfortable retirement, manage her assets, and plan for healthcare costs in their later years. Meredith prefers to meet with me in person, and even though she’s comfortable with online tools, she enjoys taking a more traditional approach to making retirement decisions

Fee: Assets Under Management

Sam: Small Business Owner

Age: 50
Income: Variable $100,000 - $300,000 per year
Family Structure: Married with 3 children

Description: Sam is a proud small business owner with an unpredictable income. He is seeking financial planning services to stabilize his family’s finances and save for his children’s education. I’ve been working one on one with Sam to address the financial challenges that come with being a business owner. Sam and I usually meet in person. He’s comfortable with online financial tools, but prefers human-to-human interaction when making big decisions.

Fee: Consulting fee of $250 per month or an asset management fee

My Certifications

Financial planning and wealth management require a lot of continuing education since laws, technology, and the investment universe at large constantly change. These certifications are important for me to stay on top of the latest news, legislation, and strategies. They make me a better practitioner so I can ensure the best results for you.

For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence in my industry.
Earning this designation requires extensive training, experience, and a commitment to CFP Board's ethical standards that require them to put their clients' interests first.
A CHARTERED FINANCIAL CONSULTANT® is a professional designation representing the completion of a comprehensive course of financial education, examinations, and practical experience.
To be a ChFC is to be trusted as an accomplished financial professional who provides sound advice.
The CHARTERED LIFE UNDERWRITER® designation identifies professionals who specialize in life insurance and estate planning.
Holding this certification represents the gold standard of life insurance and insurance planning.


What My Clients Say

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