As a fee-only fiduciary Registered Investment Advisor (RIA), we provide transparent, research-driven portfolios designed to maximize after-tax returns without the conflicts of product sales.
Our Investment Philosophy
At Wurz Financial Services, we believe wealth is best preserved and grown through discipline, efficiency, and clarity.
- Fee-Only, Fiduciary Advice — We are legally and ethically obligated to act in your best interest. We never sell annuities, life insurance, or commission-based products. Our compensation comes only from you — our client.
- Low Costs Matter — High fees eat into your long-term results. That’s why we rely on low-cost ETFs and direct market exposure to capture the true return of the markets.
- Research-Driven — Every portfolio decision is backed by institutional research and decades of market evidence.
- Long-Term Focus — Markets fluctuate, but our evidence shows that patient, diversified investing delivers the best outcomes over time.
How We Build Portfolios
Core: Low-Cost ETFs and Direct Market Exposure
We use broad, diversified, low-cost ETFs to minimize costs and capture long-term growth. This ensures your portfolio is built for efficiency and durability.
Customized Stock Portfolios & Direct Indexing
For high-net-worth clients, we can implement direct indexing or build stock-based portfolios. These approaches provide personalization, potential tax-loss harvesting benefits, and flexibility that mutual funds can’t offer.
Tax-Smart Implementation
Your investments are structured to maximize after-tax returns. We integrate tax-loss harvesting, strategic asset location (taxable vs. retirement accounts), and efficient rebalancing into our process.
Tactical Adjustments, Long-Term Foundation
Our foundation is a long-term, passively managed strategy. However, we make tactical shifts when conditions call for it, ensuring your portfolio adapts without speculation or market timing.
Why Our Approach Works for Executives, Professionals, and Business Owners
As you approach retirement, your wealth deserves protection from:
- Hidden fees
- Conflicted advice
- High-cost products like annuities and insurance
Our fiduciary approach ensures your investments are:
- Built on evidence, not sales pitches
- Managed with low-cost, transparent strategies
- Aligned with your retirement goals and long-term success
Why Choose Wurz Financial Services?
- Fee-Only Fiduciary RIA — We act in your best interest, with no product sales or commissions.
- No Annuities. No Insurance Products. Ever.
- Evidence-Based Strategies — Portfolios grounded in academic research and institutional insights.
- Customized Solutions — From ETFs to direct indexing, tailored for your unique needs.
- Two Generations of Trust — A family firm serving executives, professionals, and small business owners in Cincinnati, Toledo, and nationwide.
Invest with Clarity. Retire with Confidence.
Don’t settle for high fees, sales-driven advice, or annuity pitches disguised as financial planning.
With Wurz Financial Services, you get transparent, fee-only fiduciary advice designed to maximize long-term returns and minimize taxes — so you can retire on your terms.
📍 Serving executives, professionals, and small business owners in Cincinnati, Toledo, and across the U.S.