Fiduciary Wealth Advice and Retirement Built for Your Family
Building and protecting wealth shouldn't require complex jargon or high Wall Street commissions. Firstwick Wealth Management pairs personalized guidance from Certified Financial Planners (CFP®) with low-cost, automated index portfolios designed to help you reach retirement with certainty.
Schedule a Friendly One-on-One Phone Consultation
No pressure, no sales quotas. Speak with a fiduciary advisor about your retirement timeline and family wealth goals. Call us toll-free at 1-800-FIRST-WICK (1-800-347-7894).
The Fiduciary Difference: Your Interests Come First
Many brokerage firms employ commission salespeople who push expensive mutual funds. As fiduciaries, Firstwick is legally bound to put your best interests first — always.
Zero Commissions or Kickbacks
We never accept commissions, sales incentives, or hidden kickbacks from third-party fund managers. Our simple, transparent advisory fee means our only goal is growing and protecting your wealth.
Low-Cost Index Portfolios
We build your investments using low-cost exchange-traded funds (ETFs) from Vanguard, BlackRock, and Charles Schwab. Typical internal expense ratios average just 0.04%, saving you thousands over time.
Automated Daily Rebalancing
When market swings push your stocks or bonds off-target, our smart software automatically buys and sells behind the scenes to maintain your exact risk tolerance with zero hassle for you.
Automated Portfolios Tailored to Your Timeline
Choose from three simple, proven investment strategies depending on whether you are actively saving for the future or preserving your retirement income.
Conservative Income
Designed for retirees and individuals within 5 years of retirement. Focuses on safe short-term US Treasury bonds, high-quality municipal securities, and stable dividend-paying blue-chip stocks.
Balanced Growth
The classic balanced approach. Delivers long-term purchasing power expansion while smoothing market dips with broad US, international, and investment-grade fixed income assets.
Long-Term Growth
Tailored for younger savers and family wealth generation. Maximizes compound interest through broad exposure to 10,000+ public companies across America and 40 developed economies.
Meet Your Firstwick Advisory Team
Our advisors are credentialed, patient, and compensated based on client satisfaction, never on product sales.
Priya Patel, CFP®
Head of Retirement PlanningWith over 16 years guiding California families, Priya specializes in Social Security optimization, tax-advantaged IRA conversions, and required minimum distributions (RMDs).
James Wilson, CFA
Director of Portfolio StrategyJames brings two decades of institutional asset management experience to everyday investors, focusing on tax-loss harvesting and low-cost index portfolio construction.
Traditional IRA vs. Roth IRA: Which is Right for You?
Both accounts offer powerful tax savings. Here is a clear, simple comparison to help you choose the best fit for your retirement timeline.
| Feature | Roth IRA | Traditional IRA |
|---|---|---|
| Tax Advantage | Tax-free growth & tax-free withdrawals in retirement | Tax deduction today; taxes paid upon retirement withdrawals |
| Best If You Expect... | Your taxes to be higher in retirement, or want tax-free inheritance for heirs | Your income and tax bracket to be lower after you retire |
| Required Minimum Distributions (RMDs) | None! You are never forced to withdraw money | Must begin withdrawals at age 73 |
| Early Principal Withdrawals | Penalty-free withdrawal of your contributions anytime | 10% early withdrawal tax penalty before age 59½ |
| Annual Contribution Limits (2026) | $7,000 / year ($8,000 if age 50 or older) | $7,000 / year ($8,000 if age 50 or older) |
| Rollovers from Old 401(k)s | Supported via Roth conversion | Direct tax-free rollover in 3 business days |
Hassle-Free 401(k) Rollover Support
Have retirement money sitting in an old employer's 401(k) plan? Our dedicated concierge team handles the paperwork so you never trigger surprise taxes.
Tell Us Where Your 401(k) Is
Share your previous employer's plan provider name (e.g. Fidelity, Empower, Principal). We review your plan rules for you.
We Coordinate the Transfer
Our rollover team initiates a direct, institution-to-institution rollover check so you never face IRS withholding taxes.
Invested in Low-Cost Index Funds
Your funds arrive in your new Firstwick IRA and are automatically invested in your personalized diversified portfolio.
Retirement Goal Milestone Calculator
See how regular monthly contributions can turn into a secure, comfortable monthly income throughout your retirement years.
*Assumes a starting balance of $25,000 with a historical 7.5% average annual return and a safe 4% annual retirement withdrawal rate.
Projected monthly retirement spending: $4,282/mo
Quarterly Market Letter & Economic Insights
Written in plain English with zero sensationalism. We help you stay calm and focused on what matters most for your family's future.
Navigating Interest Rates and Economic Stability
In our latest quarterly report, our Investment Committee breaks down Federal Reserve interest rate trends, inflation expectations, and why a disciplined 60/40 balanced allocation continues to protect senior portfolios.
