Clarity and Confidence for Self-Directed Investors, Retirees, and Business Owners
Independent, research-driven financial advice with transparent hourly and flat-fee options so you can make smart, tax-efficient decisions and stay in control of your wealth.
AS SEEN IN
Most people don’t need someone to manage their money.
They need help making the right decisions.
Financial decisions feel high-stakes — retirement, taxes, risk, investments — and the stakes keep rising.
You want clarity, confidence, and validation that you’re making smart choices.
You deserve financial advice that is truly independent and free from sales pressure.
What We Cover
Retirement timing and readiness
Tax-efficient withdrawal strategy
Portfolio structure and risk alignment
Roth and conversion analysis
Social Security and Medicare timing
Concentration risk review
College funding or cash-flow planning
Fund and fee analysis
Asset location opportunities
Required minimum distributions
Scenario and “what-if” projections
Coordination guidance for your CPA or attorney
What Happens If You Do
If You Choose to Work With Us
- You gain clarity, confidence, and a research-driven plan.
- You avoid tax mistakes.
- You align your investments and risk with your goals.
- You retire with a roadmap.
- You feel in control and informed at every step.
What Happens If You Don’t
If You Don’t
- You risk missing time-sensitive tax opportunities.
- Your portfolio may carry more risk than you realize.
- Your withdrawal order may unnecessarily increase taxes.
- You may retire with uncertainty instead of confidence.
- You may continue questioning whether you’re on track.
A Simple, Transparent Planning Process
The Plan
A Simple, Transparent Planning Process
- 1. Intro Call — We discuss your goals and the questions you want answered.
- 2. Choose your support level — Hourly planning, flat-fee projects, or a portfolio checkup.
- 3. Get a clear, actionable plan — You receive specific recommendations and steps you can implement on your own.
Services
Transparent. Objective. Designed to give you clarity without ongoing commitments.
Comprehensive Flat-Fee Planning — $2,750 to $4,500
A deep, holistic financial plan with clear recommendations and a written action roadmap.
You receive a detailed, structured plan covering all areas relevant to your situation.
This is your “full diagnostic.”
What’s included:
Retirement Planning
- Social Security optimization
- Pension or annuity decision analysis
Investment Review
- Allocation and risk evaluation
- Fund comparison and fee review
Tax Strategy
- Roth conversion modeling
- Capital gains planning
- Tax-efficient charitable giving
Estate & Protection Review
- Beneficiary assessment
- Risk and insurance review (life, disability, property, umbrella)
Cash Flow & Savings
- Savings optimization
- Debt strategy if applicable
- Education planning
No ongoing obligation.
You stay in control of your accounts.
Portfolio Checkup — $1,500
A second opinion for self-directed investors and retirees.
If you manage your own portfolio — or prefer to keep your accounts where they are — this service gives you a comprehensive, high-level review without handing over your investments.
Includes:
- Portfolio audit across all accounts
- Risk/return analysis and consistency check
- Asset allocation and diversification review
- Fund review (indexing, factor exposure, fees, overlap)
- Tax-efficiency review (asset location, embedded gains, tax drag)
- Concentration risk and single-stock analysis
- Review of your withdrawal or contribution pattern
- Suggestions for simplifying or optimizing
- Recommended changes to consider
- A written summary you can implement with your current custodian
Ideal for:
- DIY investors
- Retirees wanting validation
- High-net-worth families who don’t want AUM fees
- Investors working with a broker who want unbiased verification
- Anyone facing a major portfolio shift or market transition
A one-time, high-value analysis with no sales pitch.
Hourly Financial Planning — $300 per hour
For targeted questions, objective analysis, and scenario-based decision support.
You pay only for the time you use.
Ideal when you don’t need a full plan, but you want expert, independent guidance on a few important decisions.
Common topics include:
- Investment allocation and risk review
- Concentration risk and single-stock exposure analysis
- Roth conversions: timing, amount, tax tradeoffs
- Social Security and Medicare decision guidance
- College funding strategies and cost projections
- Retirement readiness: “Am I on track?” checks
- Tax-aware withdrawal sequencing (IRA, Roth, taxable)
- Charitable giving and QCD considerations
- Cash-flow planning and savings strategy
- Pension, annuity, or lump-sum analysis
- Equity compensation questions (RSUs, ISOs, NQSOs)
- Special situations: inheritance, divorce, sale of property or business
Minimum: 1 hour.
No commitment beyond that.
About Sweta
I’m a CFA, CFP, and CEPA who believes people make better decisions when they have clear, objective information — not pressure or products.
I help self-directed investors, retirees, and business owners get independent analysis and a clear plan so they can feel confident and stay in control of their wealth.
That’s what Adviso Wealth solves.
Get the clarity you need to make confident decisions.
Financial planning doesn’t need to be overwhelming.
You can get expert, objective guidance — only when you need it.