Wealth Management - Camriel Advisors

Wealth Management Services

When it comes to managing your investments, I believe experience truly matters. Before founding my firm, I spent years analyzing portfolios at some of the top investment companies in the country, gaining deep insights into the strategies that work across a wide range of client needs and market environments. As a CFA charterholder, I bring a strong foundation of investment expertise that allows me to create strategies that work in your best interest.

My Wealth Management service builds on the foundation of ongoing financial planning, with personalized investment strategies designed to help you achieve your goals. I focus on creating simple yet sophisticated portfolios that are easy to understand and built to help you weather market challenges.

I take a hands-on approach to your portfolio, making sure it stays aligned with your plan. As life and markets change, I make thoughtful adjustments to keep you on track toward your goals.

Depending on your needs, I may also incorporate additional services to ensure your plan evolves with your life and continues to work for you.

    • Develop a clear plan for how to use surplus cash (save, invest, pay down debt, etc.)

    • Access to Monarch Money to track spending and align your finances with your goals

    • Student loans: Evaluate repayment options, forgiveness programs, and refinancing opportunities

    • Mortgages: Assess affordability, refinancing strategies, and how home equity fits into your plan

    • Credit cards and personal loans: Prioritize payoff strategies and optimize interest savings

    • Debt within your bigger picture: Ensure your debt decisions support your long-term goals

    • Review your workplace retirement plans to ensure you're making the most of available retirement accounts

    • Evaluate and assist with backdoor Roth IRA contributions (if appropriate), including guidance on the two-step process and tax considerations

    • Track your overall retirement savings rate to confirm you're on pace and help you maximize annual contributions

    • Assist with RMD (Required Minimum Distribution) and Social Security calculations and strategies

    • Evaluate your existing policies to identify gaps, overlaps, or unnecessary coverage

    • Determine if additional insurance makes sense for your situation and provide referrals, if necessary

    • Evaluate and optimize your benefits package, including retirement plans, health, dental, life, and disability insurance, and HSAs / FSAs

    • Guide you through open enrollment and ensure your choices align with your financial goals

    • Review potential job offers to assess and optimize the benefits package

    • Evaluate tax strategies including pre-tax vs. Roth 401(k), charitable gifting, asset location, and tax-efficient investments

    • Implement strategies such as tax-loss harvesting and optimizing retirement account contributions

    • Provide referrals to trusted tax professionals for tax preparation and additional advice as needed

    • Run projections to determine the monthly savings needed for a fully funded 4-year degree

    • Review any existing 529 plans to ensure they remain the best option

    • Explore alternative savings strategies

    • Review existing estate plan, including wills, trusts, and beneficiary designations

    • Provide referrals to trusted estate planning attorneys for legal support

    • Determine a target asset allocation (stocks, bonds, alternatives) tailored to your goals and risk tolerance*

    *Asset selection (e.g. individual stocks. bonds, ETFs) is not included for one time plans and ongoing financial planning clients. You will receive a high level asset allocation (e.g. 60% US stocks, 15% international stocks, 10% bonds, 5% cash).

    • Bi-annual check-ins to ensure your financial plan remains aligned with your goals

    • Quarterly planning themes covering key areas like taxes, insurance, retirement, and more

    • Proactive outreach to address new needs, opportunities, or life changes

    • Ongoing investment monitoring and rebalancing to keep your portfolio on track

    • Tax-efficient investing strategies to help optimize after-tax returns

    • Ongoing access to your advisor: reach out anytime by email, phone, or video call with questions, big or small

Wealth Management Investment

Fees are a percentage of assets under management (managed assets) with a $750 quarterly minimum based on the following schedule:

AUM Fee Schedule