Wealth management at Wright Wealth is all-in. Our services combine financial planning, tax planning, and investment management into a coordinated strategy. We do not separate these pieces into silos; instead, we integrate them to maximize your overall financial outcomes. Our compensation is either:

• AUM-based (a percentage of assets under management), or
• A flat monthly retainer based on scope.

We do not charge by the hour or per engagement, ensuring you always receive comprehensive advice without worrying about the clock.

We specialize in fiduciary wealth management with advanced strategies such as return stacking and tax-efficient indexing. In addition, we have deep expertise in:

• Military and veteran financial planning
• Advanced retirement planning
• Special needs financial planning
• Strategies for young professionals

Our founder’s military background and our team’s diverse expertise allow us to serve clients with unique and complex financial needs.

We are transparent about fees. Most of our clients pay a small percentage of assets under management (AUM), billed monthly. We also offer a flat monthly retainer fee for financial planning as a stand alone service based on the scope of planning.

Choosing an advisor is one of the most important financial decisions you can make. Look for:

• A fiduciary standard of care (always acting in your best interest)
• Transparent and fair compensation (no hidden commissions)
• Specializations that fit your needs (e.g., retirement planning, military benefits, special needs planning)
• Shared values and philosophies
• We recommend an emphasis on comprehensive planning, not just investment management. We can’t control markets, but we can control our actions, processes, and plans.

At Wright Wealth, we combine fiduciary responsibility with comprehensive, integrated strategies to give clients confidence and clarity in their financial lives.

Return stacking is an advanced strategy that layers multiple sources of return into a single portfolio—such as stocks, bonds, and diversifiers like managed futures or alternatives. This approach helps maximize return potential while reducing reliance on any single asset class.

We believe alternative investments can serve as a diversifier to add to a portfolio of stocks and bonds, when appropriate. Through rigorous due diligence, focusing on manager experience, risk, liquidity, fees, and alignment with client goals. Alternatives are not right for everyone, but they can play a role in diversification.

• Active: managers try to outperform markets.
• Passive: tracks broad indexes with low costs.
• Factor -based: investment selection using a rules-based approach founded on academically and empirically researched “factors” such as value, quality, and momentum.
• Tax-efficient indexing: blends passive investing with strategies like tax-loss harvesting or factor tilts to enhance after-tax returns.

Military families navigate unique benefits: TSP, pensions, VA disability, and survivor benefits. They often face relocations, deployment challenges, and transition planning.

A common challenge is tax planning, especially for retirees entering a second career. Shifting into civilian income can create unexpected tax burdens. We help families maximize their benefits, structure income, and plan for civilian life while reducing tax surprises.

You may leave funds in the TSP, roll into an IRA for more flexibility, or consolidate with an employer plan. Each option has different investment choices, fees, and tax impacts. We help compare these choices to optimize your retirement plan.

The SBP can provide lifetime income for your spouse or dependents, but it comes at a cost. It’s important to compare SBP benefits with alternatives like life insurance or other survivor strategies. A key factor is your spouse’s expected longevity, your health, and whether life insurance or other assets can provide equivalent protection.

Yes. We strongly recommend applying for private life insurance before your VA disability rating is finalized. Once you are rated, many insurers may deny coverage or raise premiums. Securing life insurance early protects your family and ensures affordable coverage for the future.

Yes—programs like FERS, CSRS, military pensions, SBP, and VA benefits require coordination. Advisors experienced in these systems help you integrate them into a retirement strategy without leaving benefits untapped.

A Special Needs Trust allows families to save and support a loved one with disabilities without disqualifying them from public disability benefits like Medicaid or SSI. Assets can be used for the benefit of the family member with disabilities but are shielded from means testing which is one of the qualifiers for public benefits.

Planning may include creating an SNT, securing appropriate insurance, and establishing guardianship. We design plans that balance today’s needs with long-term stability for your loved one.

Early planning maximizes compounding and builds financial habits. Advisors can help with debt reduction, investing, and aligning your money with life milestones.

A financial plan provides a roadmap to balance competing goals. Advisors can optimize student loan repayment, prepare for homeownership, and design strategies to fund new ventures responsibly.

Traditional planning focuses on saving. Tax-efficient planning integrates strategies like Roth conversions, withdrawal sequencing, and Social Security timing to reduce taxes and extend wealth.

We design retirement income strategies that integrate pensions, Social Security, IRAs, and taxable accounts in a tax-smart way, balancing predictable income with protection against inflation and healthcare costs.