Advisory Services

At Apprise, we believe taxes and investing are joined at the hip. You should always consider taxes when investing. That doesn’t mean you have to let the tax tail wag the dog, but it does mean you shouldn’t overlook taxes. Good tax planning can reduce your tax bill. That leaves you more money to spend today or save for tomorrow. We maintain a focus on long-term gains and tax sensitivity. 

We will apply principles of Asset Location – which assets belong in which account types from a tax perspective – to your portfolio. We also help you decide when to complete Roth conversions. We can help you allocate your workplace retirement savings between a 401k and a Roth 401k, when applicable. If you have a high-deductible healthcare plan, we will help you decide if a Health Savings Account is appropriate and how to use it most effectively.

While working, we focus on saving. When we retire. Things change. Now we must determine the most efficient way to withdraw money from our retirement accounts. Not sure of the best withdrawal strategy? We will help you understand your options and what approach makes the most sense for your situation.

As part of our process, we will also review your tax return to look for tax planning ideas.

Our planning services may encompass one or more of the following areas: Investment Planning, Retirement Planning, Wealth Creation, Budget Analysis, and Mortgage/Debt Analysis. We will refer clients to an accountant, attorney, or other professional as necessary for non-advisory related services.

At Apprise Wealth Management, we take pride in being a trusted financial partner. Our mission is to enhance our clients’ financial lives as well as their understanding of financial concepts. Guidance, custom-tailored to your needs, is delivered on a foundation of trust and transparency.

Why Choose Us

INTEGRATED APPROACH

Our approach to wealth management helps clients strive to maximize their wealth and spend more time enjoying the achievements of their life and work.

It is through detailed financial conversations encompassing all aspects of our clients’ lives that we empower people to make informed decisions.

ACCOUNTABILITY

As fiduciaries, we give you guidance you can trust, and we care about your financial life. We provide advice that uses simple language to explain complex topics, helping to foster financial literacy. Our feeling is that the quality of our advice is based on the depth of the relationships we build with each client. We are committed to helping you meet your financial goals.

PEACE OF MIND

We do our best to avoid elevating stress levels. Therefore, you will never see a market barometer or breaking news on this site – that is simply more noise.

At Apprise, we understand that short-term tactics can be important but they must be executed based upon wise strategic decisions rather than best-guess predictions.    

Pathway to an Informed Retirement

Pathway to an Informed Retirement
1 443 690-5240

14840 Hunting Way Phoenix, MD 2113

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Have a Question?

We welcome your questions regarding financial planning and investment management.