Know exactly what
to do with your money.
We'll tell you exactly what to do. No commissions, no jargon. Just straight answers from a fee-only fiduciary team rooted in Cincinnati.
100%
Fee-Only
CFP®
Certified Planners
Cincinnati
Locally Rooted
Full-Picture
Planning Approach
What Working With Incline Gets You
We don't sell services. We deliver outcomes. Here's what clients actually experience.
Know what to do with cash
No more guessing whether to invest, pay down debt, or hold reserves. You get a clear answer with the reasoning behind it.
Build an exit-ready plan
Whether you're 2 years or 10 years out, your plan accounts for what selling or transitioning actually does to your wealth.
Protect what you built
Risk concentration, insurance gaps, estate exposures — identified and addressed before they become a problem.
Turn complexity into one clear strategy
Business finances, personal accounts, taxes, estate — all coordinated under a single plan you can actually follow.
Invest with a plan you understand
No black boxes. You know what you own, why you own it, and how it connects to the bigger picture.
Make decisions faster with less stress
When something changes — in your life or the market — you have an advisor who picks up the phone and tells you what to do.
Turn business success into lasting wealth.
We Solve the Problems That Keep You Up at Night
People don't wake up wanting investment management. They want confidence, freedom, and to stop making expensive mistakes. Here's how we help.
Grow Your Wealth
Evidence-based investment strategies that grow and preserve what you've built — without the guesswork or the sales pitch.
See How We InvestReduce Your Taxes
Proactive tax planning year-round — not just in April. We find the windows most advisors miss and put more money back in your pocket.
See How We PlanRetire Confidently
A retirement plan that answers the questions that actually matter: When can I stop? Will it last? What does the transition actually look like?
See How We PlanProtect Your Family
Estate planning, risk management, and insurance review — coordinated so one bad year doesn't undo everything you've worked for.
See How We ProtectExit Your Business
When you're ready to sell or transition, your plan is ready too. We coordinate the tax, estate, and investment pieces before the deal closes.
See How We HelpTake Care of Your Team
401(k) design, setup, and ongoing management that actually serves your employees — and reflects well on you as an owner.
See How We HelpBuilt for Business Owners. Ready for Everyone They Care About.
Our core practice is closely held business owners in Cincinnati, Northern Kentucky, and Dayton — but our work extends to the families, executives, and retirees they trust us to serve.
Business Owners
Succession planning, exit strategies, and wealth management built for entrepreneurs.
Pre-Retirees
Transition planning and income strategies for a confident, fulfilling retirement.
Young Professionals
Building strong financial foundations with smart saving, investing, and debt strategies.
Corporate Plans
Retirement plan design and management that supports your workforce and business goals.
What Our Clients Say
Real feedback from people we've had the privilege of working with.
"Incline Wealth has been a great change for us so we can better reach our retirement goals."
"They customize your retirement plan to fit your needs and are very responsive to work with."
"John has done a great job of taking care of my IRA. He is very responsive."
"John is a consummate professional with years of experience. He genuinely cares about his clients."
"Awesome company! Johnny is spot on and so professional."
"Incredible attention to detail and extremely knowledgeable in all financial matters."
"John has been great to work with and showed me several great ways to save for the future."
Testimonials shown are from current clients of Incline Wealth Advisors, LLC. No compensation was provided for these reviews. Individual experiences may vary. Testimonials are not indicative of future performance or investment results. Please review our full disclosures for additional information.
A Fiduciary Commitment to Your Success
As fee-only fiduciary advisors, we have one obligation: to act in your best interest. No commissions. No conflicts. Just honest, transparent advice that helps you reach your goals.
Fee-Only Transparency
We earn no commissions. Only the advisory fee you agree to. Full stop.
Full-Picture Planning
We look at every facet of your financial picture: investments, taxes, estate, risk, and cash flow.
Cincinnati Roots
We live and work in your community, building lasting relationships face to face.
Incline Wealth Advisors
Cincinnati, Ohio
What Happens When You Reach Out
No guesswork, no slow intake forms. Here's exactly what working with Incline looks like from day one.
Book a Fit Call
15 minutes. We learn about your situation and you learn how we work. No pitch, no pressure — just an honest conversation to see if we're the right fit.
Discovery and Data
We gather what we need: accounts, documents, goals, concerns. You share the full picture and we start building context before we ever give advice.
Your Strategy Map
One clear, one-page summary of where you stand and what we recommend. No 40-page report that collects dust — a plan you can actually use.
Implementation Sprint
We handle the moving parts — account setup, rollovers, insurance reviews, estate coordination. You make the decisions; we do the work.
Ongoing Cadence
Regular check-ins, quarterly reviews, and consistent communication. You always know where things stand — not just at year-end.
Proactive Planning Triggers
Tax windows, market shifts, life changes — we reach out before you think to ask. You're never the last to know when something affects your plan.
Meet the Advisors Behind Your Plan
A team of credentialed professionals committed to your financial success, combining deep expertise with a personal touch.
Meet the Incline Team
John Bovard, CFP®
I work closely with families, business owners, and young professionals to provide advice on retirement planning, investment and risk management, cash flow and debt management, estate planning, and tax strategies. I started Incline Wealth Advisors to provide a deeper level of service to local business owners, retirees, and company retirement plans.
John McKay, CFA®
I focus on helping families, business owners, and young professionals navigate complex financial decisions by providing guidance on retirement planning, investment and risk management, cash flow and debt management, estate planning, and tax strategies. I also work with business owners and their employees to support both personal financial goals and company retirement plans.
Eric Toepfer, CFP®
I craft financial plans for working families, business owners, executives and retirees. I enjoy educating my clients on all areas of their financial program allowing them to make good informed decisions. My areas of expertise include investment management, retirement planning, college education planning, risk management, estate planning and tax savings strategies.
Phil Westhoff, AIF®
Phil serves in an Investment Advisory Representative capacity with Incline Wealth Advisors as a Qualified Plan Specialist. With experience at Fidelity Investments and BB&T, Phil brings deep expertise in 401(k) plan sales and investment advisory services for small businesses.
Amy Zimmerman
I joined Incline Wealth Advisors in August 2022 where I focus on delivering exceptional service to both new and existing clients. I handle client service, account maintenance, new client onboarding, marketing, meeting preparation, back-office operations, and 401(k) plan setup and maintenance.
Insights & Market Perspectives
Timely analysis, financial planning guidance, and market commentary from the Incline team.
- Tax Reduction Strategies Seminar — Sept. 17, Kreimer's Bier Haus — Register Now
- Do You Own a Business or a Job? Building systems that create freedom & value
- Turn High Income into Generational Wealth — Watch the video
- Business Owners Road Map — from revenue to a successful exit
- 3 Ways to Protect Your Assets — diversify, insure, estate plan
- Turn High Income into Generational Wealth — Watch the video
- Wealth Leaks — identifying and plugging the hidden drains on your financial progress
- Income Tax Planning for High Net Worth Individuals — webinar recap: capital gains, Roth conversions, charitable planning & more
- Private equity is targeting small & mid-sized businesses — are you prepared?
- 4 signs it's the right time to sell your business
- Do you own a business or a job? Systems & delegation drive your exit multiple
- How to invest proceeds after a business sale — the Wealth Allocation Framework
- Buy, Borrow, Grow: use assets as leverage without selling them
- 3 proactive strategies to protect the wealth you've built
- 529 vs. Trump Account: which savings vehicle wins for your family?
- Tax prep vs. tax planning — the difference that saves real money
- Smart EdChoice planning: how AGI impacts Ohio scholarship eligibility
- 250 years of U.S. innovation — from steam engines to NVIDIA and what AI means for markets next
- H1 market recap: inflation data, bank earnings, Tesla, Netflix & what's ahead
- The role of a financial advisor in your company 401(k) plan — design, oversight & administration
- Tax diversification: why spreading across pre-tax, taxable, and Roth accounts creates flexibility in retirement
- 3 simple habits that build lasting wealth — discipline beats the hot investment
- Where does $500K a year actually go after taxes, insurance & savings?
- Capital sufficiency analysis: will your money last through retirement?
- Creating reliable income in retirement: where does your paycheck come from?
- The 3 biggest retirement concerns — and how to address them now
- Will your money last? Using capital sufficiency to plan with confidence
- IPOs, AI & space tech: how private companies transition to public markets
- 3 key June market drivers: Iran peace deal, Fed Chair Warsh's first meeting, SpaceX IPO impact
- S Corp owners: how splitting salary vs. distributions can reduce your tax bill
- Year-round tax planning strategies every business owner should know
- Investment income tax: qualified dividends, capital gains & asset location
- Portfolio customization: aligning every dollar to your goals, risk & timeline
- How much house is too much? The full cost of homeownership beyond the price tag
- How to build wealth: invest regularly, live below your means, let time work
- Retirement is changing — soft retirement, flexibility & making work a choice
- Potential retirement tax bomb: why Roth strategies matter before RMDs begin
- S&P 500 hits new highs: strong earnings, GDP data, and what to watch next
- Iran conflict, oil prices, NVIDIA & the AI infrastructure surge
- 513 Day: Cincinnati business leaders who shaped our city and economy
Articles & guides coming soon.
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