As a fee-only fiduciary RIA, we help executives, professionals, and small business owners prepare for retirement with tax-smart strategies, disciplined investing, and personalized guidance.
The Retirement You Deserve
You’ve spent decades building your career or business. Retirement is your chance to enjoy the rewards of that hard work. But without a clear plan, taxes, inflation, and market volatility can erode your wealth.
At Wurz Financial Services, we specialize in helping clients 5–10 years from retirement create a strategy that turns their savings into lasting income. Our fiduciary, research-driven approach ensures every decision is in your best interest.
Our Retirement Planning Process
1. Retirement Readiness Review
We assess your current savings, pensions, retirement accounts, and projected income streams to determine your readiness for retirement.
2. Income Planning
We design a reliable income strategy that balances guaranteed sources (Social Security, pensions) with investment withdrawals, ensuring stability throughout retirement.
3. Tax-Smart Distribution Strategies
We minimize taxes through smart withdrawal sequencing, Roth conversions, and employer stock strategies like Net Unrealized Appreciation (NUA).
4. Social Security Optimization
We analyze your options and help determine the ideal time to file, integrating Social Security into your broader retirement income plan.
5. Portfolio Management for Retirement
We manage investments with a focus on low-cost ETFs, direct indexing, and diversification — seeking strong long-term returns with appropriate risk management as you transition into retirement.
6. Ongoing Monitoring and Adjustments
Your retirement plan isn’t static. We provide continuous reviews, tax planning, and portfolio adjustments so your strategy evolves with your life and the markets.
Specialized Expertise for Executives & Business Owners
- Executives — We help you navigate complex retirement benefits, including pensions, stock options, deferred compensation, and 401(k) plans at companies like Procter & Gamble and International Paper.
- Professionals & Practice Owners — We design retirement income strategies tailored for attorneys, realtors, consultants, and other high-income professionals.
- Small Business Owners — We guide owners through succession or exit planning, converting business equity into sustainable retirement income.
Why Retirement Planning with Wurz Financial Services?
- Fee-Only Fiduciary Advisors — We don’t sell annuities, insurance, or commission-based products. Our advice is transparent and 100% in your best interest.
- Family Legacy Firm — Founded by Richard Wurz, now led by Darren and Travis Wurz — two generations of trusted financial guidance.
- Tax-Smart Approach — From Roth conversions to tax-loss harvesting, every strategy is designed to maximize after-tax wealth.
- Research-Driven Investing — Low-cost ETFs, direct indexing, and evidence-based strategies, not speculation.
- Personalized Service — Designed for discerning clients with $1M+ in investable assets.
Retire with Confidence
Retirement isn’t just about having enough money — it’s about knowing you have a plan. With Wurz Financial Services, you can transition into retirement with clarity, confidence, and peace of mind.
📍 Serving executives, professionals, and small business owners in Cincinnati, Toledo, and nationwide.