Our company ethos is one of independence and personal service. It’s the core of who we are and why we do what we do. We believe that financial advice should always be centered on your unique goals and aspirations, not driven by the sale of specific investment products. By focusing on your needs, we can create strategies that are tailored to your situation, empowering you to make informed decisions with confidence. This personalized approach builds lasting relationships founded on trust, transparency, and shared success.

We believe in...

Fiduciary Perspective

At Wyatt Financial & Insurance Services, our commitment to the fiduciary perspective sets us apart. Acting as your fiduciaries means we place your best interests at the heart of everything we do, ensuring that every recommendation and decision is made with transparency, integrity, and care. We take the time to understand your unique financial goals, challenges, and aspirations, crafting personalized strategies that align with your long-term success. As fiduciaries, we are not tied to specific products or services, allowing us to provide truly objective advice that prioritizes your financial well-being.

Retirement Focus

As you enter this new phase of life, so too must your financial strategy. It’s a different arena with new challenges, opportunities, and rules, and we have the home team advantage to help you navigate it. This stage requires a thoughtful approach, balancing your current needs with long-term goals while accounting for uncertainties. Whether it’s managing income streams, protecting your assets, planning for healthcare costs, or leaving a legacy, we’re here to guide you every step of the way. With our expertise and personalized support, you can confidently embrace this next chapter, knowing your financial future is in good hands.

Retirement Income Planning Services

Messing up on your retirement planning isn't a mistake that you can come back from. Retirement is the final stage of life, and if you didn’t put in the time earlier in life to start saving for it, you’ll have lost out on thousands of dollars. In addition to saving money, it is also important to know how to manage your 401k, which investments are prudent in the long-term, how to get the maximum benefits from social security, and more. There is nothing more important you can be doing for your finances right now than preparing for retirement.

How Financial Advisors can help you with Retirement Planning

Retirement income planning is a complicated beast, and it’s not uncommon at all for the average person to have a hard time understanding all the complex minutiae that’s involved. Here are some of the many things that our retirement income planning team can help you with:

IRA and 401(k) Pension Rollovers

When it comes to your IRA or 401(k) investment funds, you do have options, but to be honest, there aren’t many that won’t cost you money in the long run. Keeping your 401(k) with your employer is often allowed, but you won’t be able to contribute any more to your investment, and you could become vulnerable to fees and/or taxes. You could cash out, but this is simply an all-around bad idea. Cashing out your 401(k) before you retire could mean losing up to 40 percent of your investment to fees and taxes.

Maximizing your Social Security

When it comes to planning your retirement income, it’s incredibly important to consider the social security benefits you’ll be earning. Unfortunately, it’s not as cut and dried as just relying on a given number — the amount of your social security benefits are determined by a number of factors. There are several things you can do to maximize your social security. At Wyatt Financial, we can take an in-depth look at your specific situation and give you professional advice on how you can maximize your benefits.