How it Works

There are TWO PHASES in Personal Planning: Accumulation and Distribution.

The accumulation of assets takes a great deal of time and effort -- a lifetime in fact.

The distribution of assets needs to last a lifetime - your lifetime - or longer.

Both phases require communication of dreams, desires, needs as well as fears and obstacles. There are things you can control and things you can't.

Our job is to control what we can while protecting you from the things that can't be controlled or predicted.

Accumulation - Personal Planning

Are you ready to clarify, simplify, and organize your financial life to be future ready?

You want to address questions, reduce financial worries, optimize your situation, and decrease complexities so you can focus on what matters most in your life.

Experience empowerment through ongoing communication and collaboration that reflects changes in you life, planning strategies, the laws, and the investment markets

Distribution - Retirement Income Planning

Are you ready to have clarity around the ultimate question: "Do I have the financial resources to live the life I envision?"

You are ready to move from wondering what the future looks like to having confidence in living your next now.

Experience support, monitoring, and ongoing communication as you move confidently into your next and much anticipate, phase of life.

Strategic Wealth Partners

We analyze your entire financial world using an easy to understand macro-economic model which illustrates the advantage of "big picture" thinking. specializes in working with individuals, families, and business owners who have reached a level of success and financial complexity that can be difficult to understand and navigate.

We help reduce complexity, capture new opportunities, and make the most of protecting and growing your success.

What's Next? Let's investigate below

"Protection First" Philosopy

What to expect in Your First Meeting

Learn about The Living Balance Sheet® - Keeping you appraised of your complete financial picture

Learn more about Strategic Wealth Partners' Retirement Income Process

Part of the LGBTQIA+ Community? We're here for you.

Why Us

Karen and Neill have over 50 years of combined experience. They created a support team, each with their own strengths and knowledge, to support them and SWP's clients.

Karen earned the RICP^®, the Retirement Income Certified Professional^®. This designation promotes a more informed decision-making regarding retirement financial planning while creating a broader perspective.

Your 4 Steps to Financial Health

Data Collection

Good information in = Good information out;
Simple Conversations about what is important to you
Data collection never stops.... when we're "done," something is going to change.; We always want the most recent data you have.

Protection Analysis

Observation
Risk/Loss
Education

Cash Flow Analysis

Collaboration
Coordination
Integration

Solution/Implementation

Advocacy
Adjustment
Communication

Strategies Include

Personal Planning:

Protecting, building, and distributing wealth
Portfolio construction
Estate planning
Investment goals, analysis, selection and strategies
Executive benefits
Tax strategies

Retirement Income Planning:

Helping to mitigate risk of running out of money
Income planning
Building, protecting, and distributing wealth
Estate Planning
Tax strategies

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Personal Planning - Accumulation and Distribution