Towerto Private Wealth

Why Choose Towerto Private Wealth?

Navigating the complexities of financial planning can be daunting, especially when faced with a myriad of investment options, ever-changing tax laws, and evolving family needs. As a Glastonbury financial advisor, my mission is to simplify these complexities and offer a steady hand to guide you through your financial journey. With about two decades of experience, I offer a personalized, client-centered approach to wealth management.

At Towerto Private Wealth, I limit the number of clients I work with to ensure each person receives high-touch, customized advice. This allows me to take the time to deeply understand your goals, concerns, and priorities. Whether you're looking to secure a comfortable retirement, plan for your children's education, or manage a complex estate, my goal is to help you achieve financial clarity and confidence in your future.

A Fee-Only Approach to Financial Planning

One of the defining principles of Towerto Private Wealth is my commitment to being a Fee-Only advisor. This means that I do not sell commission-based products, receive referral fees, or collect other forms of compensation beyond what my clients pay directly for my services. This structure is critical in limiting conflicts of interest and allows me to provide advice that is truly in your best interest.

Unlike many financial advisors who may be incentivized to push certain products, I focus solely on what is best for you. Whether you’re looking for estate planning, retirement strategies, or investment management, my advice is always objective. This also means that I serve as an objective second opinion, able to review your current financial situation and offer guidance that is free from bias.

If you're searching for a "financial advisor near me" and want someone who prioritizes your needs above all else, I’m here to offer that service.

Personalized Financial Planning

Each person and family has unique financial goals. Whether it’s ensuring a secure retirement, saving for your children's education, or creating a legacy, your financial plan should be as unique as your life. As a Glastonbury financial advisor, I tailor every financial plan to reflect your individual circumstances.

My clients have access to a personalized financial dashboard, an easy-to-use tool that consolidates all your financial information in one place. You’ll be able to see your investments, cash flow, and even your will and estate documents, all on one simple screen. This digital tool not only provides transparency but also ensures that you can track your progress toward your goals in real-time.

Many clients retain me for ongoing financial advice, and I charge an annual fee that is a fixed percentage of their assets under management. This ensures that my compensation is tied to your success, as our interests are directly aligned.

Investment Philosophy: Simplicity and Long-Term Success

My investment philosophy is built on simplicity and evidence-based strategies. The financial markets are full of noise, and it can be tempting to react to short-term volatility or media-driven hype. However, making decisions based on emotion often leads to poor outcomes. As a certified financial planner, I believe in the power of disciplined, long-term investing.

The cornerstone of any successful investment strategy is asset allocation—how your portfolio is distributed among stocks, bonds, and cash. This is the most significant factor in determining your long-term returns, and it requires careful monitoring and adjustments. At Towerto Private Wealth, I take the time to understand your risk tolerance, time horizon, and personal financial goals. Based on this, I design and manage a well-diversified portfolio, primarily using low-cost index funds that replicate key market indices, such as the S&P 500 or Russell 3000.

This focus on low-cost, tax-efficient investing helps minimize unnecessary expenses that can erode your returns over time. By regularly rebalancing portfolios, I ensure that your investment strategy remains aligned with your long-term objectives. This disciplined approach can make a significant difference in helping you meet your financial goals.

Planning for a Secure Future

Many of my clients are in the critical phase of transitioning into retirement. This period is often fraught with uncertainty: Will your savings last? How do you balance your desire to enjoy retirement with the need for financial prudence? As a financial advisor in Glastonbury, CT, I help my clients answer these important questions with confidence.

A well-thought-out retirement plan involves more than just accumulating wealth. It’s about managing withdrawals, minimizing taxes, and ensuring that your portfolio generates sufficient income throughout retirement. I also work with clients to navigate Social Security strategies, pension options, and healthcare costs in retirement. This comprehensive approach ensures that every aspect of your financial life is aligned with your goals.

Estate planning is another essential part of securing your family's financial future. While it's a difficult topic to address, having a solid plan in place will protect your legacy and provide for your loved ones. At Towerto Private Wealth, I work with families to ensure their wills, trusts, and other estate planning documents are in order. Through personalized advice, I help my clients structure their estate plans in a way that minimizes taxes and maximizes their impact on future generations.

Collaborative Financial Planning

I believe that financial planning should be a collaborative process. Many clients come to me feeling overwhelmed by the sheer volume of financial decisions they must make. At Towerto Private Wealth, I take the time to listen to your concerns and goals, helping you take the burden of financial planning off your shoulders.

Working with a financial planner should feel like a partnership, and that’s exactly what I offer. By limiting the number of clients I serve, I ensure that each individual receives the attention and care they deserve. My high-touch approach allows me to be proactive in addressing changes in your financial situation and adjusting your plan accordingly.

The Next Step

If you're ready to take control of your financial future, I invite you to reach out for a no-obligation consultation. Whether you’re seeking an objective second opinion or looking for a long-term partner to manage your finances, Towerto Private Wealth offers the personalized, comprehensive advice you need. As a trusted financial advisor in Glastonbury, I’m here to help you achieve peace of mind in your financial life.

Your future doesn’t have to be uncertain. With Towerto Private Wealth, you can plan with confidence.