We help successful families who've worked hard to build their wealth confidently navigate life's biggest financial transitions, from career peaks to retirement and beyond, through our comprehensive financial planning and investment management services.
Work Optional
Pre-Retirees & Retirees
Retirement isn't the end of the journey. It's a new chapter. We help you make the most of retirement with a financial plan that brings clarity, confidence, and purpose to your next phase of life, whether you're planning to stay in Westlake or relocate in retirement.
Questions We Help Answer:
When should I start taking Social Security?
How do I know if I've saved enough to retire comfortably?
Should I downsize or relocate in retirement?
What's the best way to leave a legacy for my family?
How will I spend my time in retirement?
Will my money last if I live to 90 or beyond?
How We Help
Retirement Income Planning
Turn your nest egg into a reliable income stream that supports your lifestyle and longevity.
Social Security and Medicare Guidance
Help you make the most of your benefits while avoiding potential costly mistakes.
Tax-Efficient Withdrawal Strategies
Coordinate which accounts to draw from first and how to minimize taxes in retirement.
Legacy and Estate Planning
Structure your estate to reflect your values and care for the people and causes you love.
Healthcare & Long-Term Care Planning
Ensure your future healthcare needs are covered while protecting your hard-earned wealth.
Retirement Lifestyle Planning
Whether it's an encore career, volunteering, or spending time with your loved ones, align your finances with the experiences and goals that matter most to you
Making the Most of Your Benefits
Healthcare
After decades of dedicated service to Cleveland Clinic, University Hospitals, or other major local employers, you've earned substantial benefits. We help you navigate complex retirement packages and turn your pension, 401(k) and other benefits into a comprehensive retirement strategy.
Questions We Help Answer:
Should I take my pension as monthly payments or a lump sum?
What do I do with my 401(k) when I retire?
How do I replace my employer health insurance?
What happens to my stock options and company stock?
How do I coordinate all of these different accounts and benefits?
Will my federal/corporate benefits be enough for retirement?
How We Help
Pension Optimization
Analyze your pension options and help you make the choice that's best for your situation.
401(k) & Retirement Account Management
Coordinate rollovers and create an integrated investment strategy.
Federal Employee Benefits
Navigate TSP, FERS, and other government-specific benefits if you're a federal retiree.
Healthcare Transition Planning
Bridge the gap between employer coverage and Medicare.
Stock Option & Equity Planning
Maximize the value of company stock and options while managing concentration risk.
Comprehensive Integration
Pull all your corporate benefits together into one cohesive financial plan.
Beyond the Paycheck
High-Earning Professionals
Your expertise commands top dollar, but high income comes with unique challenges. We help attorneys, physicians, accountants, and other professionals in the Westlake area turn substantial earnings into lasting wealth while navigating complex tax situations.
Questions We Help Answer:
What strategies can I use to reduce my tax bill?
Am I saving enough despite my high expenses and lifestyle choices?
What happens if I can't work due to disability or illness?
How do I balance saving for retirement with high expenses like paying for my kids' education?
How do I protect my assets from potential lawsuits?
How We Help
High-Income Tax Strategies
Implement advanced planning techniques to legally minimize your tax burden.
Asset Protection Strategies:
Shield your hard-earned wealth from professional liability and other risks.
Education Funding Strategies
Balance college savings with retirement planning and tax efficiency.
Disability & Life Insurance Planning
Protect your family's lifestyle if you can't work or aren't there to provide.
Investment Management
Build diversified wealth beyond your professional practice or employment.
The Michael Brady & Co. Difference
-
✓ We Always Act as Fiduciaries
This means that as your financial advisor, we are required by law to always act in our client's best interest, no exceptions.
-
✓ Our Advice is Tailsored to Your Needs
Your family's personal financial needs, goals, and objectives are unique, and our advice is tailored to meet your family's specific circumstances.
-
✓ Our Fees are Simple and Transparent
We operate as a fee-only advisory firm, meaning for our services we are compensated ONLY by a fee that you pay us directly.
-
✓ We Ensure Your Financial Plan Works With Your Investment Portfolio
We make sure all of your financial goals and objectives are properly aligned with your portfolio construction, so your investments help you achieve them.
Our Tax-Efficient Retirement Planning Process
1. Discovery & Goal Setting
We start by understanding your current financial situation, your dreams for retirement, and what matters most to you and your family.
2. Analysis & Strategy Development
We analyze your financial data and develop a comprehensive strategy tailored to your specific goals and timeline.
3. Plan Presentation & Discussion
We present your personalized financial plan and discuss recommendations, ensuring you understand every aspect of your strategy.
4. Implementation
We help you implement the plan, coordinating with your other advisors and handling the details so you don't have to.
5. Ongoing Monitoring & Adjustments
We regularly review and adjust your plan as your life changes, market conditions evolve, and new opportunities arise.
Our Fees
We work best with families who have at least $500,000 of investable assets. Financial planning and investment management services are provided as a package at the following fee schedule:
| Assets Under Management | Annual Fee |
|---|---|
$500,000 - $1,000,000
|
1.00% |
$1,000,000 - $2,000,000
|
0.75% |
| $2,000,000+ | 0.50% |
Ready to Take Control of Your Financial Future?
As fee-only fiduciaries with over 30 years of experience, we're committed to acting in your best interest, always. No sales pressure, no hidden fees, no conflicts of interest.
[Calendly embed]