Our Services
Splizer Financial Advisors is a fee-only advisor aiding clients meet their financial goals. We assist our client by providing tailored Financial Plans, Retirement Income Plans, Legacy Plans, Portfolio Management and Lifetime Tax Reduction Plans. As a fiduciary we prioritize our clients’ well-being throughout the process.
More detail on our services are listed below; for any of these or if you have any other requests, please do not hesitate to contact us with questions.
Financial Planning
We pride ourselves in the ability to give our clients true financial peace of mind by transforming complex and often overwhelming financial decisions into clear personalized roadmaps. At Splizer Financial Advisors we believe that true value lies in active behavioral coaching: in turn increasing client confidence during time of uncertainty. We enable our clients to gain the invaluable gift of time, clarity, and confidence knowing their financial future is intentionally crafted and continually protected.
Retirement Income Planning
Transitioning to retirement requires clients to shift focus from the wealth-accumulation phase to wealth-distribution. We assist our clients by designing personalized retirement income strategies to convert a lifetime of savings into a sustainable, tax-efficient stream of lifelong cash flow. At Splizer Financial Advisors, our primary objective is to eliminate the fear of outliving one's assets by mitigating key retirement risks—such as market volatility, inflation, sequence-of-returns risk, and rising healthcare costs. Clients benefit directly through optimized withdrawal strategies, strategic dynamic income floors (combining Social Security, annuities, and pensions), and tax-smart bucket strategies that deliver predictable income while maintaining capital growth. A foundational component of this service is the creation of a Retirement Policy Statement (RPS). The RPS serves as a personalized governing document establishing the client's income goals, target withdrawal rates, rebalancing rules, and cash-reserve guidelines. Serving as an operational roadmap for both our advisors and clients, the RPS instills confidence and emotional discipline, ensuring the retirement plan remains on track even during volatile economic conditions.
Legacy Planning
We assist our clients with Legacy and Estate Planning by intentionally structuring their wealth so that it reflects their deepest values, protects their families, and creates a lasting impact beyond their lifetime. At Splizer Financial Advisors we believe our role goes far beyond simple wealth transfer; we collaborate with estate attorneys and tax professionals to construct holistic strategies—incorporating trusts, strategic beneficiary designations, tax-efficient gifting, and philanthropic vehicles—that minimize probate friction, mitigate potential estate and capital gains taxes, and safeguard assets from unforeseen creditors or litigations. Clients benefit from complete peace of mind, knowing that their life’s work will smoothly transition to the next generation or chosen charitable causes without unnecessary administrative burdens, delay, or family conflict.
Portfolio Management
Through custom portfolio management, Splizer Financial Advisors help clients grow, align, and safeguard their wealth by structuring investment strategies tailored precisely to their financial goals, risk capacity, and personal values. Rather than offering a one-size-fits-all approach, we construct specialized portfolio sleeves that serve distinct roles within a client’s broader wealth plan. We design a combination of Floor, Reserve, Longevity and Growth portfolios tailored to our clients goals and stage in life. We proactively manage client portfolio to deliver holistic asset allocation, systematic rebalancing, and tax-efficient location strategies. Clients gain continuous oversight, institutional-grade risk management, and the emotional discipline needed to navigate shifting market cycles with total confidence.
Lifetime Tax Reduction
Lifetime Tax Reduction strategies shifts financial planning from an annual, reactive tax-filing task into a proactive, multi-decade strategy designed to minimize a client’s cumulative tax burden over their entire lifetime and across generations. At Splizer Financial Advisors, our focus is on leveraging strategic tax-location techniques, systematic Roth conversions during lower-income bridge years, tax-loss harvesting, and tax-smart distribution sequencing in retirement. Clients benefit directly by keeping a significantly larger share of their hard-earned wealth, maximizing compound growth potential, and avoiding severe, tax-bracket-busting surprises—such as Social Security taxation spikes, Medicare premium surcharges (IRMAA), or required minimum distribution (RMD) tax cliffs. Comprehensive lifetime tax planning transforms tax laws from a financial drag into an engine for wealth preservation, giving our clients the confidence that every dollar in their financial plan is optimized for maximum net-after-tax value.
Let’s Chat
Whether you would like more information about Splizer Financial Advisors or simply have a question, feel free to send us a message in the contact form and we will get back to you shortly. We cannot wait to connect with you!