Address: 251 W. Garfield Rd. ​Suite 155

  Aurora · OH · 44202

Phone: (330) 954-3770

Securities offered through LPL Financial, member FINRA /SIPC ​. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners, Ltd. and Embrescia Wealth Management Group are separate entities from LPL Financial.  The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, DC, FL, HI, MD, MI, NM, OH, PA
Copyright © 2019 Embrescia Wealth Management Group. All rights reserved.

 

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Wealth Management

Retirement

Estate Planning

Family Planning

Insurance

Wealth Management

Wealth Management is the process of meeting your life goals through the development and proper management of your financial resources. Life goals may include buying a home, saving for college, planning for retirement or wealth accumulation. At Embrescia Wealth Management Group, we tailor a plan to meet your personalized needs and goals by integrating comprehensive financial planning with investment management.

As our client, you have complete access to your personal wealth advisor as often as you need. The same is true for access to your financial information and assets; we utilize technology to provide transparency and accessibility. We provide continual communication through periodic reporting, regular review meetings, newsletters, and market updates.

 

Retirement

Planning for Retirement

Our financial life planning process will help you prepare for the time when you may want to retire. Of course, we will first help you to discover what you want your life to look like in your 60s, 70s, 80s, and beyond. Many of our clients enjoy working while others want to pursue other ambitions and dreams. Whether it’s travel, volunteer work, consulting, part-time employment, or just relaxing, our discovery and planning process will help you to prepare for your future, and determine how to be ready for the time when you want to be financially independent.

 

Approaching Retirement

Before making your final decision about retirement, we will help you through the maze of important decisions you need to make a year or two before your retirement date. Decisions such as:

  • When should you take Social Security?

  • If your company offers a choice between a monthly pension or lump sum, which option would be most advantageous for you?

  • How much money will you need to fund your cash flow needs and the amount you may need to draw from your portfolio?

  • What is a safe withdrawal rate that will have the greatest probability of success?

  • What expenses will discontinue and what will be increased, such as travel or a second home?

  •  What are your best medical coverage options?

These and other important issues will be explored in depth before you make a final decision about your retirement date.

During Retirement

You have spent much of your life accumulating assets and are now in your “third phase” of life when you want to reap the rewards from the discipline you have demonstrated over the years. Of course, you want to be assured that you will meet all of your future income needs and legacy goals. Among the questions you need answers to are: 

  • How should your portfolio be invested and your resources best utilized?

  • What is the most efficient way to generate the income you need?

  • What is the best strategy for taking Social Security benefits?

  • What unusual expenses do you need to prepare for?

  • How much can be withdrawn from your portfolio that assures that your money will last?

  • Do you need to budget additional funds for travel, a second home, philanthropy, or other goals?

 


These and other issues will be addressed to help you enjoy this phase of your life and free yourself from worries about money.

 
 

Estate Planning

Estate planning is essential in protecting your assets, minimizing your estate tax exposure, and successfully transferring your estate to your family or charitable organizations. If you do not have an estate plan, this is a very important matter that you should not wait to address. If you already have an estate plan, it is beneficial to have it reviewed regularly to make sure it is working to accomplish your current goals. Beyond the estate plan itself, we help make sure that your mix of wills, trusts, and insurance policies is appropriate for you. We will work with your existing team or refer new estate planning attorneys and accountants to ensure that we provide a holistic approach in meeting your needs.

The Embrescia Wealth Management Group, Stratos Wealth Partners, and LPL Financial do not provide legal or tax advice or services. Please consult your legal or tax advisor regarding your specific situation. 

Family Planning

Planning for the future is the most essential thing you can do as a young adult. Whether you want to save for your child’s college or your first home, mapping out your financial journey is the first step in doing just that. Here at the Embrescia Wealth Management Group we have a vast amount of experience in helping young adults plan for their future. We can help plan for certain milestones in your families lives such as:

Baby Planning

Having a child has an expensive impact on your family both financially and mentally. You can start planning sooner to ensure that you can handle the unknown expenses of a child. We use a variety of strategies to help you save using budgets, individual/joint accounts, and many other tools. But before you plan for your baby, ask yourself a few questions:

  • How many kids do I (or) we want?

  • How much will it cost daily, monthly, yearly?

  • How much do I need to save before having children? 

  • When the baby is here, do I have enough insurance to ensure safety?

 

Saving for College

Saving for College is another large expense when having children. With rising costs for College and multiple routes to save for it, we can help you decipher which plan is best for you and your child/children. We have many years of experience working with college saving plans that will ensure that you save enough to let your children live the college experience without the headache of student loans. A list of college saving tools are listed below:

  • 529 College Saving Plan

  • Coverdell ESA

  • UTMA/UGMA

  • Life Insurance

 

Young Adults

As your children grow, they become more independent and start experiencing life on their own. As they succeed in their careers and perhaps receive an inheritance, they will need help sooner than later when it comes to financial planning. We want to extend our services to your younger generation to help them in their success throughout life. Ask yourself,

  • Financially, are my children being properly serviced?

  • Do they know how to handle their own finances? 

  • Would they benefit from meeting with the Embrescia Wealth Management Group?

 

Here at the Embrescia Wealth Management Group, every single client is our family member, so when we plan for your future, we are also planning for ours. With our help, we can accomplish all your family goals.

 

Insurance

Our team of experienced professionals are educated in the insurance area. We conduct a full insurance analysis to make sure that you have the right coverage for your situation and to recommend coverage in areas where you might be vulnerable. For example, we investigate how your life insurance is titled in order to determine that proceeds from the policy do not become part of your taxable estate.
 
As your insurance needs change, and as specific issues arise, we are happy to conduct efficient research on your behalf. Areas in which we have expertise include:

  • Health Savings Accounts

  • Life Insurance

  • Long-Term Care Insurance

  • Personal Property Insurance


Unlike outside insurance agents, we are aware of your full financial and familial picture, and can help to choose products suitable for your unique situation.