4030 Smith Rd., Suite 200, Cincinnati, OH 45209

Personal Financial Planning

At Incline Wealth Advisors, we are here to assist our clients in their mission to build lasting wealth. We are able to help by providing strong ongoing financial planning and investment management services. 

What is Wealth Planning?

Wealth planning refers to the process of managing and organizing one's financial resources and assets to achieve specific financial goals and objectives. It involves developing a comprehensive strategy to grow, protect, and distribute wealth over time, taking into consideration factors such as income, expenses, taxes, investments, estate planning, and risk management.

Wealth planning typically involves several key components:

  1. Financial goal setting: Defining specific financial goals, such as retirement planning, education funding, charitable giving, or buying a home, and determining the resources required to achieve them.
  2. Cash flow management: Developing a budget and cash flow plan to effectively manage income, expenses, and savings. This includes optimizing spending patterns, debt management, and establishing emergency funds.
  3. Investment management: Designing an investment strategy tailored to the individual's risk tolerance, financial goals, and time horizon. This may involve diversifying investments across different asset classes, such as stocks, bonds, real estate, or alternative investments, to achieve growth and manage risk.
  4. Tax planning: Structuring finances and investments in a tax-efficient manner to minimize tax obligations. This may involve taking advantage of tax deductions, credits, and tax-advantaged investment accounts.
  5. Retirement planning: Creating a plan to accumulate sufficient funds for retirement and determining appropriate retirement income strategies. This may include analyzing retirement savings options like pensions, 401(k) plans, Individual Retirement Accounts (IRAs), and Social Security benefits.
  6. Estate planning: Developing a plan to preserve and transfer wealth to future generations or chosen beneficiaries while minimizing estate taxes and ensuring wishes are carried out. This may involve creating wills, trusts, powers of attorney, and establishing charitable legacies.
  7. Risk management: Assessing and mitigating potential risks to financial security, such as insurance coverage for life, health, disability, property, and liability. It may also involve creating contingency plans for unforeseen events or emergencies.

Our primary goal is to maximize the value of our Client’s individual or family wealth while minimizing potential risks and tax liabilities. We take a holistic approach, considering both short-term and long-term financial objectives, and involve careful analysis and decision-making.


Investment management refers to the professional management of various investment assets, such as stocks, bonds, real estate, and commodities, on behalf of individuals, institutions, or funds. The primary goal of investment management is to generate returns or increase the value of the investment portfolio while considering the client's risk tolerance, investment objectives, and time horizon.

Key activities include:

  1. Portfolio Construction: Investment managers design and structure investment portfolios based on the client's objectives, risk tolerance, and time horizon. They allocate assets across different investment options to diversify risk and optimize returns.
  2. Research and Analysis: Investment managers conduct thorough research and analysis to identify potential investment opportunities. They assess the financial health of companies, analyze market trends, evaluate economic indicators, and monitor geopolitical factors that may impact investments.
  3. Asset Allocation: Investment managers determine the appropriate allocation of assets within the portfolio based on their assessment of risk and return characteristics. They consider factors such as the client's investment goals, market conditions, and investment horizon.
  4. Investment Selection: Investment managers select specific investments, such as individual stocks, bonds, mutual funds, or exchange-traded funds (ETFs), to include in the portfolio. They conduct detailed analysis, including fundamental and technical analysis, to evaluate the investment's potential for growth and income.
  5. Risk Management: Investment managers actively monitor and manage investment risks within the portfolio. They employ risk management techniques, such as diversification, hedging strategies, and risk mitigation measures, to protect the client's capital and optimize risk-adjusted returns.
  6. Performance Monitoring: Investment managers continuously monitor the performance of the investment portfolio, tracking the progress towards the client's objectives and making adjustments as needed. They provide regular reports and updates to the clients, keeping them informed about the portfolio's performance and any changes made.
  7. Compliance and Legal Considerations: Investment managers operate within the regulatory framework of the financial industry. They adhere to legal and ethical standards, ensuring compliance with applicable laws, regulations, and guidelines.

Our team at Incline Wealth Advisors is responsible for making investment decisions and implementing strategies to maximize returns and manage risks for our clients.  We analyze market conditions, economic trends, and company performance to identify investment opportunities and allocate assets accordingly.

We aim to help our clients achieve their financial goals by effectively managing their investment portfolios through a combination of research, analysis, strategic decision-making, and risk management.


Having a wealth advisor can offer several benefits in managing your financial affairs and achieving your wealth-related goals. Here are some advantages of working with Incline Wealth Advisors:

  1. Expertise and Knowledge: Wealth advisors are trained professionals with in-depth knowledge and expertise in various areas of personal finance, including investments, tax planning, estate planning, and risk management. They stay updated on market trends, regulations, and strategies, allowing them to provide informed advice tailored to your specific needs.
  2. Personalized Financial Planning: A wealth advisor works closely with you to understand your financial goals, risk tolerance, and time horizon. They analyze your current financial situation and develop a personalized financial plan that aligns with your objectives. This comprehensive plan takes into account all aspects of your wealth management, providing a roadmap to guide your financial decisions.
  3. Investment Management: Wealth advisors can help you develop an investment strategy that matches your risk profile and financial goals. They have access to a wide range of investment options and can offer guidance on asset allocation, diversification, and investment selection. Additionally, they can monitor your investments, make adjustments as needed, and keep you informed about market developments.
  4. Risk Management and Asset Protection: Wealth advisors can assess your risk exposure and help you develop strategies to manage and mitigate risks. They can recommend insurance solutions to protect your assets and provide guidance on minimizing potential liabilities. This can help safeguard your wealth against unexpected events and preserve your financial security.
  5. Tax Efficiency: Wealth advisors can assist in optimizing your tax situation. They stay updated on tax laws and regulations and can provide strategies to minimize your tax burden. By leveraging tax-efficient investment vehicles, deductions, and credits, they can help you maximize your after-tax returns and preserve more of your wealth.
  6. Estate Planning and Legacy Management: Wealth advisors can work with you to develop an estate plan that ensures your wealth is transferred according to your wishes. They can assist in creating wills, trusts, and other estate planning documents, helping to minimize estate taxes and streamline the distribution of assets. They can also provide guidance on charitable giving and philanthropic endeavors, allowing you to leave a lasting legacy.
  7. Peace of Mind and Emotional Support: Managing wealth can be complex and overwhelming, and having a trusted advisor by your side can provide peace of mind. A wealth advisor can offer objective advice, act as a sounding board for financial decisions, and provide emotional support during challenging market conditions. They can help you stay disciplined and focused on your long-term financial goals, even during periods of uncertainty.

Investment Philosophy

Markets are efficient and “beating” the market is highly unlikely and costly to attempt. The only acceptable risk is that which is adequately compensated by an expected return.


Allocate to equities for growth and fixed income to reduce volatility and conserve assets.



Allocation is based on a “bucket” approach to account for individual’s goals, time horizon and risk tolerance for each account.


Diversify broadly across asset classes. Rebalance systematically and avoid market timing.



Use passive/index funds to reduce costs, diversify and capture the full market returns.


Use tax-advantaged accounts, and harvest losses to avoid unfavorable tax consequences.


Ignore the noise.


Interested to learn more?

We would be happy to talk or meet with you and discuss how we can assist with your specific needs.

Please use the link below to set up a call or meeting.