Thoughtful guidance built around long-term planning.
Financial decisions are rarely isolated. Retirement, investing, savings, taxes, risk management, and major life transitions are often deeply connected.
Giessel Wealth Advisors provides personalized financial planning and investment guidance designed to help clients make informed decisions with greater clarity and confidence over time.
Flat-Fee, Fee-Only, Financial Advice
Fees generally range from $4,000 to $12,000 per year and are based on the scope and complexity of the client’s financial situation, the services requested, and the anticipated time and resources required.
Fees are not calculated as a percentage of assets under management. Before beginning an engagement, clients receive a clear fee quote so they know what they will pay in advance.
Annual fees are divided into four equal quarterly payments and are billed at the beginning of each quarter. For example, a $6,800 annual fee would be paid as four quarterly payments of $1,700.
Payments are processed through AdvicePay, typically by ACH bank transfer or credit card. The first quarterly payment is due when the advisory relationship begins, with subsequent payments due at the start of each following quarter.
There are no commissions for the sale of financial products.
Financial Planning
Comprehensive financial planning helps bring structure and organization to important financial decisions and long-term goals.
Planning discussions may include:
+ Cash flow and spending
+ Retirement readiness
+ Savings strategies
+ Tax planning considerations
+ Insurance and risk planning
+ Social Security and Medicare considerations
+ Major financial decisions
+ Long-term goal planning
The goal is to create a practical framework that supports informed decision-making and long-term financial stability.
Retirement Planning
Retirement planning involves more than simply reaching a number.
The retirement planning process focuses on helping clients prepare for the financial realities of retirement, including income needs, long-term sustainability, and evolving priorities over time.
Areas of focus may include:
+ Retirement income planning
+ Distribution strategies
+ Social Security considerations
+ Tax-aware withdrawal planning
+ Retirement timeline preparation
+ Lifestyle and spending considerations
Investment Management
Investment management should support long-term objectives rather than short-term market speculation.
Portfolio recommendations are developed with attention to each client’s goals, time horizon, and tolerance for risk.
Investment guidance may include
+ Portfolio construction
+ Asset allocation
+ Diversification strategies
+ Ongoing portfolio monitoring
+ Risk alignment
+ Long-term investment discipline
The focus is on maintaining a thoughtful and consistent investment approach aligned with the broader financial plan.
Ongoing Guidance and Relationship
Financial planning is not a one-time event.
As life changes, financial strategies often need to evolve alongside changing goals, responsibilities, opportunities, and market conditions.
Giessel Wealth Advisors provides ongoing guidance designed to help clients stay organized, informed, and aligned with their long-term objectives through regular review and communication.
How Advice Is Delivered
Services may be offered through ongoing advisory relationships as well as planning-focused engagements, depending on the needs of the client.
The planning process is designed to be collaborative, thoughtful, and personalized rather than transactional or one-size-fits-all.
Start With a Conversation
Whether you are preparing for retirement, organizing your financial life, or seeking ongoing guidance, the first step is understanding your goals and priorities.