Clear Guidance When Decisions Matter Most.
Tax Planning
We look at your tax return as a roadmap for saving money.
Tax Planning Strategies
Withholding Adjustments
Tax Loss Harvesting
Monitoring and Adapting to Tax Law Changes
Retirement Income
Accumulating wealth is straightforward; distributing it requires precision.
Retirement Income Strategies
Tax-Smart Sourcing
Dynamic Guardrails
Withdrawal Sequencing
Investments
Independent, evidence-based investing designed to let you sleep at night.
Risk Tolerant Allocations
Low-Cost Focus
Diversified Portfolios
Alignment With Goals
Retirement
Bring your financial life into high definition with advice that adapts with you.
Stress-Test Your Goals
Real-Time "What Ifs"
Social Security Analysis
Workplace Plan Optimization
Legacy Planning
Ensuring your wealth goes exactly where you want it to go.
Beneficiary Review
Family Gifting
Trust Coordination
Tax Efficient Estate
Risk Management
Protecting you from the events that could derail your plan.
Insurance Audit
Liability Check
Needs Analysis
Cash Reserves
Charitable Giving
Making your generosity go further.
Donor-Advised Funds
Qualified Charitable Distributions
Appreciated Stock Planning
Education Planning
Funding the next generation’s future without sacrificing yours.
529 Optimization
Grandparent Giving
Cash Flow Modeling
GWM’s Planning Process
Our planning process is a lifelong partnership.
With continuous monitoring and proactive guidance, you can live with confidence, knowing your wealth remains aligned with what matters most to you.
Listen to understand your goals & priorities
Analyze your goals and align with your needs
Develop unified solutions designed for you
Implement your customized plan
Monitor your progress with ongoing support
Adapt your plan as your life evolves
What We Deliver.
Align your investments and tax strategy around what gives you purpose.
Define, prioritize and uncover what adds the most value to your life.
Determine what a secure, sustainable retirement income plan looks like for you.
GWM’s Investment Philosophy
Evidence Over Emotion.
At Groff Wealth Management we believe successful investing requires a plan, not a prediction. We employ a disciplined, evidence-based investment strategy rooted in decades of Nobel Prize winning research.
We construct portfolios focused on the variables we can control in an effort to achieve optimal after-tax returns: diversification, low costs, and tax efficiency.
Most importantly, we never view your investments as a silo. Your portfolio is the cornerstone of your financial plan, designed specifically to help you live a deeper, more fulfilling, adventurous life.
GWM’s Investing Principles
Fiduciary Standard
Acting legally and ethically in your best interest is the foundation of the relationship.
Cost Matters
Keeping investment expenses low is essential to long-term compounding.
Academic Research
Investing should be based on time-tested evidence and data.
Total Objectivity
Independence means no ties to investment banks or insurance companies.
Asset Allocation
Why diversify? Because winners rotate.
Patience & Discipline
Success comes from adhering to a long-term plan through varying market cycles.
Real Return Focus
The only returns that matter are the ones after tax, inflation and fees.
Risk Alignment
Portfolio construction designed to balance your need for growth with your capacity for volatility.
Are you ready to see if you are on track?
It all starts with an introductory phone call.
Ask all of your questions
Learn how we can specifically help you
Decide if we’re a good fit
No sales pitch. No pressure. No obligation.