Wahby Financial Group LLC | Jacksonville Beach, FL

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Welcome

You have dreams for yourself, your family, and your business. You will find through our educational philosophy; our planning process is designed to help you achieve better results without all the risk. How we accomplish that is unique. When we are engaged in your financial planning process, we look at those decisions through a fiduciary perspective. Our personalized approach and experience help us understand your current story and identify opportunities that help increase financial profitability and quality of life.

Behind the Logo

Wahby Financial Group, LLC is a full-service wealth management practice that helps clients with protection planning, wealth management and retirement planning, estate and legacy planning, business succession and exit planning, executive benefits, and philanthropy.

A colorful spinning Kaleidoscope is the logo of Wahby Financial Group, LLC, symbolizing the unique beauty in each life, and the changing emotions, needs, wants and abilities that guide people on their individual paths. The spinning bits of brilliant jewels are constantly changing shapes and colors...these are like the days of our lives. No two days are alike. No two people are alike. There is always a new way to look at life. Marcel Proust said, "The real voyage of discovery is not in seeking new landscapes, but in having new eyes." With our new eyes keenly focused on your multidimensional, ever-changing, exciting future, and our kaleidoscopic array of talent, special needs experience and economic insight, Wahby Financial Group, LLC is here to help you build wealth for life.

wahby circle icon from logo

January of 2024 marks my 10th year anniversary of WFG.

After 24 years in corporate America, I launched Wahby Financial Group in 2014. To say it went by quickly is an understatement. So many things have changed in our lives over these last years, and we have weathered the markets, inflation, interest rate hikes, THE PANDEMIC, and the Jaguars' losing season this year when we thought the Playoffs were in the bag. My one and only daughter went off to college, which allowed me to work harder to ease my pain. I am proud to say there is only "one more year to go," and I hope she will return to Ponte Vedra. I can only pray.

I love the team we have built here, too, at WFG, and I hope you feel that we are always accessible to you. The new young professional staff we have hired, Grayson and Nina, are already impacting our office and our conversations with you. Additionally, we welcomed two new agents in training, Carli and Amy.

Four years into our practice, many of you know we got a gift from a client/friend (because all my clients are my friends), and she gave us Bear. Bear has continued to charm everyone that walks in our doors. He has been a true gift to my family and me, and I know many of you pop in just to see him. I know you didn't stop by to see me!

Of our original dream team: Rachel had a baby boy, Cameron, who we all can't wait to spoil and take dibs on babysitting. Guzman got married to Jenny (Say What?), and he turned 50. Ashley got a new dog, Jo-Jo, as her beloved Toby, whom she had had for almost 20 years, passed away. Michele remains dedicated to helping our clients on their financial journey. Lastly, my Dad, Darrell, continues to run the office on a part-time basis as his main job is caring for Christopher, who will be 54 this year.

I want to say thank you to All of YOU who have trusted me with your families' care. I don't take it lightly that you have put your trust in us. You are beautifully different as clients, but you are the same in your thirst for knowledge and desire for protection and financial security for those you love.

Meet Our Team

Robin's Headshot

Robin Wahby, CLU®

Founder and Financial Advisor

Guzman's Headshot

Guzman Castro

Financial Advisor

Ashley's Headshot

Ashley Blume

Registered Representative

Carli Burton Headshot

Carli Burton

Licensed Agent

Michele's Headshot

Michele Olding, ChFC®

Licensed Service Assistant

Nina Oakley-Doran Headshot

Nina Oakley-Doran

Licensed Service Assistant

Marketing Director

Avery's Headshot

Avery Grayson Chandley

Licensed Service Assistant

Darrel's Headshot

Darrell Griswold

Office Coordinator

Bear Wahby Headshot

Bear Wahby

Director of First Impressions

Strategic Resources

Collaborating with a team of carefully selected experts, solutions are customized to satisfy and exceed your financial goals.

The Macro Asset Perspective® Process

Wahby Financial Group is proud to be certified to offer the Macro Asset Perspective® planning process. Through this unique educational approach, we can help you better plan for retirement. Whatever stage of life you are in, whether you are working to grow your assets or your assets are working to provide your retirement income, you are likely to glean value from the principles, processes and strategies found in the Macro Asset Perspective®.

The Macro Asset Perspective® helps you implement a balanced approach to your personal accumulation and income combining time-tested principles of risk management with sensible strategies for long-term tax-reduction giving you the potential to increase your net spendable income in retirement.

While this process was originally developed for a physician's network on the west coast and high-tech engineers in the Silicon Valley, it has been successfully adopted by people of all walks of life and taught at workshops for employees at a number of Fortune 500 companies. Use the carousel below to learn more about the Macro Asset Prospective® planning process.

“Let us be grateful to people who make us happy; they are the charming gardeners who make our souls blossom.”

Marcel Proust

Our Services

Family Protection

We help determine if you and your family is properly protected from premature death, disability, or a long-term care event.
 

See How We Help

Wealth Management and
Retirement Planning

Taking into account your needs, goals, and tolerance for risk, we will work with you to bring clarity to what you want to achieve and how to get there.

See How We Help

Estate and
Legacy Planning

A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected.
 

See How We Help

Business Services

Here at Wahby Financial Group LLC, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle.

See How We Help

Philanthropy

Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden.

See How We Help

Special Needs Planning

The idea of planning for a lifetime of protection for a family member or loved one with special needs is often overwhelming.
 

See How We Help

Our Technology Partners

Fidelity Clearing & Custody Solutions: Custodian of your investment account

Envestnet: Technology organization dedicated to proving digital access to your account, portfolio tools, and performance reporting.

Envestnet PMC: Monitors the performance of the products and managers available on Envestnet.

eMoney: Your personal financial website, courtesy of Wahby Financial Group. This is the main financial planning software we use that will also aggregate all external accounts. Some examples include:

  • Asset and Liabilities Assessment
  • Income and Expense Analysis
  • Cash Flow Projections
  • Tax Planning Expertise

Our Community Involvement

We believe in our community, and people supporting people. The Wahby Financial Group team supports many of our local non-profit organizations such as:

“The real voyage of discovery consists not in seeking new lands but seeing with new eyes.”

Marcel Proust

Newsletters

The Eagle Edge

The Eagle Eye Thumbnail

Launch Newsletter

Our Team Around Town

“We don't receive wisdom; we must discover it for ourselves after a journey that no one can take for us or spare us.”

Marcel Proust

Robin's Headshot

Robin Wahby, CLU®

Founder and Financial Advisor

Robin Wahby, founder, and CEO of Wahby Financial Group, helps families and businesses identify opportunities that increase their financial position and enjoy a better quality of life. As a fiduciary in her investment advisory work, Robin is a financial advisor who believes that the one thing everyone has in common is the desire for financial security.

As a big sister to her developmentally disabled and quadriplegic brother, Christopher, Robin understands the need for planning is vital at each part of the aging process. Robin got her CLU® designation to better help families make smart estate planning decisions. This designation for insurance and estate planning professionals is comparable to the CPA designation for accounting professionals.

Robin believes people make better decisions and develop more meaningful relationships when they aren’t worried about money.

While discussing financial well-being with her clients, she has identified these 5 critical opportunities:

  1. An uncomplicated approach to financial success
  2. An educational process that merges the principles of asset allocation with tax diversity.
  3. Having a real plan with a strategy and easy to understand steps.
  4. Evaluating if their portfolio is truly “diversified” and if not, what to do about it.
  5. What estate planning really means in terms of asset protection, tax relief, and catastrophic expenses such as long-term care or legal actions.

Robin is certified to offer the Macro Asset Perspective® planning process. While this process was originally developed for a physician's network on the west coast and high-tech engineers in the Silicon Valley, it has been successfully adopted by people of all walks of life and taught at workshops for employees at several Fortune 500 companies.

Robin is an Investment Advisor Representative with Eagle Strategies, LLC, a Registered Investment Adviser, and a Registered Representative offering securities through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency.  She also is a member agent of the Nautilus Group®, which is an exclusive, advanced planning resource for estate conservation and business continuation strategies. She focuses on golden handcuffs and executive benefit plans for corporations and non-profits.

Prior to opening Wahby Financial Group, Robin spent 25 years recruiting, training, and developing financial professionals for New York Life Insurance Company, a 179-year-old Fortune 100 mutual company.

Robin is a Top of the Table member of the Million Dollar Round Table*, whose membership is only extended to the top 1% of the leading life insurance and financial service professionals worldwide. With New York Life, Robin is ranked among the top 100 most productive agents. In 2022 and 2023, Robin was recognized by Forbes and Shook Research** as a Top Financial Security Professional in Florida. Robin believes that there is not a more meaningful career than helping people protect those they love and care about.

* The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

** Read more about the Forbes SHOOK® Research Top Financial Security Professionals list and the ranking methodology here: http://www.forbes.com/sites/rjshook/2023/07/26/methodology-americas-top-financial-security-professionals-2023

Robin is married and has one daughter and a very cute golden retriever, Bear, who is the office’s mascot and source of much joy for all who visit.

In her spare time, Robin gives back to her community. In 2021, Robin was recognized by Angelwood the Business Partner of the Year for her extraordinary commitment to the developmentally disabled community. She currently serves as past President of Angelwood and has held leadership positions in the Women’s Giving Alliance, Jacksonville Women’s Network, and Pace Center for Girls. Additionally, Robin is involved in several other organizations such as the Rethreaded, , the ARC in Jacksonville Beach, Wolfson Children Hospital, and the Jim & Tabitha Furyk Foundation.

Guzman Castro's Headshot

Guzman Castro

Financial Advisor

Guzman Castro is a Financial Planner at Wahby Financial Group in Jacksonville Beach, FL.

His profound belief that God makes us all perfectly in His image motivates Guzman to guide his clients confidently, carefully, and humbly in improving their financial paths. He believes nobody cares how much you know until they know how much you care. He proves he cares about each of his clients by taking the time with each client to understand, clarify, and prioritize THEIR financial goals, whether the primary goal is to minimize taxation and efficiently manage generational wealth or getting on the right side of retirement goals.

He watched his 98-year-old grandmother surprisingly outlive her wealth at age 85; therefore, his parents became the unplanned financial support for the 13-year financial shortfall.

He also witnessed the conflicts this created between his parents. This is another reason Guzman cares so much for his clients’ improved financial paths; he does not want them to outlive their money. This is why he spends so much time trying to understand the whole picture, having honest (sometimes “tough love”) conversations, and educating his clients on all the products available to them to preserve and transfer their wealth.

He is an actively engaged resident of Jacksonville Beach Community, where he lives with his wife Jenny Castro (aka. Best Banker in Town) and four children. He remains actively engaged in his community through the Oceanside Rotary (who, among many things, funded the Atlantic Beach Skate Park.) and the Jacksonville Chamber of Commerce-Beaches Division. He also volunteers with organizations such as Beaches Habitat, BEAM, the USO, Beaches Boys and Girls Club, Beaches Community Kitchen, and more.

Fun facts you may not know about Guzman:

  • His family was transferred to Miami in 1975 (he was one) by his father’s employer.
  • At the age of four, he won the “Macho Man Contest” at his daycare (in Miami, where he grew up), ironically by wearing a rather glamourous costume and performing a dance as if nobody was watching.
  • In the third grade, he crushed vocals at the Talent Show, singing about Uruguay’s national soccer team winning the South American championship.
  • At his all-boys high school, he Chaired the Spirit Committee and was the 1st Chair Alto Saxophone player in the non-marching band. He also captained the soccer team and was the leading goal scorer in Miami-Dade County in his senior year. He was recently inducted into his high school Athletic Hall of Fame due to his high school soccer performance.
  • He graduated with a Bachelor of Science Degree (in Graphic Design) from Drexel University while on a 4-year Division 1 soccer scholarship.
  • After college, he backpacked alone through western Europe and Scandinavia for four months.
  • Then he spent 18 years in the wine industry, where he started two distributors (Miami and Chicago), a national importer, and a brand development division that created the 2nd largest brand from Argentina in the USA within three years of launch and landing distribution agreements for said brand in Iceland, Singapore, Puerto Rico, and the US Virgin Islands.
  • Two-time recipient (Florida and North Carolina) of the “National Businessman of the Year Award” by the National Republican Congressional Committee
  • He remains active, playing soccer, golf, RV’ing, and fishing.
  • Serves on the Board of Girls of Virtue.
Nina's Headshot

Nina Oakley-Doran

Licensed Service Assistant
Marketing Director

Nina Oakley-Doran joined Wahby Financial Group in November 2023 as a Licensed Service Assistant.

Nina graduated Summa Cum Laude from Liberty University with a Bachelor of Science in Business Management and Leadership. Her background and education in small business management allows her to excel in her duties in office management, client services, and managing compliance oversight.

In her role, Nina prioritizes client service, providing clarity to client inquiries and fostering strong relationships throughout their financial journey. Known for her organizational skills, attention to detail, and relationship-centric approach, Nina completes every task with the client in mind.

Nina’s contagious enthusiasm and positive demeanor bring a bright outlook to every situation, fostering positive collaborations with colleagues and clients alike.

Beyond her professional pursuits, Nina has a passion for continuous learning. She enjoys continuing her education and actively seeks opportunities to expand her knowledge and stay attuned to industry trends.

When it is time to unwind, cruising is one of Nina's favorite ways to travel. She loves exploring new destinations while enjoying the tranquility of the open water.

Nina is known for her compassion and recognizes the importance of giving back. Nina volunteers her time and talents to make a positive local impact. Whether participating in charity walks, community events, or helping where needed, she finds joy in giving back to her community.

Rachel's Headshot

Rachel Padgett

Registered Representative

Rachel Padgett is a professional in the financial services industry, currently serving as a Registered Representative. She earned her degree from the University of North Florida, showcasing a dedication to education and continuous learning.

Rachel Padgett is a professional in the financial services industry, currently serving as a Registered Representative. She earned her degree from the University of North Florida, showcasing a dedication to education and continuous learning.

Rachel is passionate about empowering individuals financially and has been a valued partner at Wahby Financial Group since 2014. As a professional, Rachel takes charge of the firm's "policy appraisal" process. This unique process comprehensively analyzes clients' life insurance policies and investment contracts. Through this process, Rachel gives many clients unexpected insights, such as hidden fees or unaddressed risks in their financial portfolios. Collaborating with businesses, Rachel specializes in comprehensive 401K planning, tailoring business retirement plans, and implementing effective workplace savings strategies.

Rachel's role as the Vice President of the National Association of Insurance and Financial Advisor Northeast Florida Chapter in 2023 showcase her commitment to excellence and industry expertise. Recently, Rachel achieved the prestigious Million Dollar Table membership, which is an exclusive membership for the leading life insurance and financial service professionals worldwide.

Beyond her professional accomplishments, Rachel is actively involved in philanthropy and community development. She proudly contributes her skills to the Development Committee for Angelwood, Inc. and is a co-chair for their annual Gala.

With a unique blend of professional success and community engagement, Rachel Padgett continues to be a driving force in the financial industry, making a meaningful difference in the lives of those she serves.

Rachel, originally from Boca Raton, Florida, has cultivated a deep love for boating, a passion rooted in her upbringing. Together with her husband, Kevin, they recently embraced the joys of parenthood with the arrival of their son, Cameron.

She enjoys being outdoors with her two dogs, Hazel and Falkor. Additionally, she enjoys bike riding on the beach, attending concerts, and cheering for the Jacksonville Jaguars!

Rachel's Headshot

Ashley Blume

Registered Representative

Ashley Blume is a financial professional with the Wahby Financial Group. She is committed to and very passionate about helping individuals retire successfully and achieve peace of mind by protecting their families and businesses.

She accomplishes this by helping clients find financial balance by navigating asset allocation strategies with top diversity.

Ashley is a Macro Asset Perspective® (MAP) practitioner. Using MAP, Ashley creates a balanced approach to each client's wealth accumulation and income while combining time-tested risk management principles with sensible strategies for long-term tax reduction. With MAP, Ashley enjoys educating her clients about their finances and developing a personalized plan with their goals in mind. Ashley aims to help clients retire more confidently with greatness and lifetime theory strategies.

In 2023, Ashley became a proud Million Dollar Round Table MDRT member, a recognized mark of excellence in the life insurance and financial services industry. As a member, Ashley is a part of a global, independent community comprising the world's foremost life insurance and financial services professionals. As an MDRT member, Ashley embodies exceptional professional knowledge and is dedicated to delivering outstanding client service. Additionally, Ashley is a member of the exclusive New York Life's Executive Council.

Like many of her clients, Ashley strongly desires to give back to the community. She is involved with Angelwood, a local charity whose mission is to improve the quality of life for children and adults with developmental disabilities and their families.

Ashley is a native of Huntingtown, Maryland. She received a bachelor's degree in business administration with a minor in finance and marketing from Flagler College in St. Augustine, FL. She currently lives in Jacksonville with her dog, JoJo.

Rachel's Headshot

Carli Burton

Licensed Agent

Carli Burton joined Wahby Financial Group in 2023. Carli is a New York Life licensed agent and part of New York Life's three-year training program. At Wahby Financial Group, Carli specializes in the work-site market, voluntary payroll deductions, and supplemental insurance market.

Carli is a dedicated professional committed to empowering others. Her passion lies in affording businesses and individuals the confidence and awareness that a reliable and trustworthy financial approach exists in the face of life's inevitable challenges. Professionally, Carli is an active member of the Volusia Manufacturing Association (VMA).

Carli's collaborative approach allows her to create customized strategies, ensuring each approach adapts seamlessly to the evolving needs of both businesses and individuals. The result is a gift of stress-free living, enabling individuals to focus their time on what matters most – the people they love.

Carli enjoys spending her time traveling to new places. In the winter months, Colorado is one of Carli's favorite places to visit, where she enjoys snowboarding and visiting family. When she's not working or traveling, you can find her tearing apart her car, starting a new project that tends to take over her living room, or spending quality time with her dog, Lilith.

Bear's Headshot

Bear Wahby

Director of First Impressions

Meet Bear, the almost 10-year-old Golden Retriever with a paw-sitively charming demeanor, serving as Wahby Financial Group’s Director of First Impressions. With a wagging tail and paw-sitively demeanor, Bear welcomes every client—no exceptions!

Despite being on a strictly healthy diet, Bear's treat motivation is unmatched, making him the fur-tastic face of our friendly financial team!

Rachel's Headshot

Darrell Griswold

Office Coordinator

Darrell Griswold brings a wealth of experience to the Wahby team as a retired police officer from the Washington, DC, area. Darrell oversees the front-office operation in his current role at Wahby Financial Group. Darrell has been with the firm 10 years, supporting his daughter, Robin, build her business.

During his spare time, Darrell prioritizes his health and family. He enjoys working out at the YMCA every morning, setting a positive tone for the day. Darrel is a full-time father, guardian, and caregiver to his disabled son, Christopher.

Rachel's Headshot

Michele Olding, ChFC®

Licensed Service Assistant

Michele Olding joined Wahby Financial with over 25 years in the financial industry with a Chartered Financial Consultant designation through The American College.

She has worked with various insurance and financial products throughout her career and assists Wahby Financial Group’s agents and financial advisors with their client's product and service needs.

Michele enjoys classical music and has taught piano to children and adults for many years. Currently, her exceptional student is the piano chair for The Jacksonville Symphony Youth Symphony.

Rachel's Headshot

Avery Grayson Chandley

Licensed Service Assistant

Grayson joined Wahby Financial Group in November 2023 where he launched into his role as a licensed service assistant for Robin Wahby and Ashley Blume. Grayson is a recent graduate of Covenant College in Lookout Mountain, Georgia where he received a degree in General Business Studies with a focus in management. Grayson’s specialization is in Client Asset Models, Cash Flow Model, Macro Asset Perspective® (MAP), and retirement planning processes. Grayson is a big believer in the importance of a story and wants to support clients in meeting their financial objectives.

Growing up in Georgia, Grayson avidly loved the mountain region and moved closer to it for his studies. In his spare time, you can find Grayson in the kitchen trying new recipes and sharing his culinary creations with family and friends.

Amy's Headshot

Amy Beese

Licensed Agent

Amy Beese joined Wahby Financial Group in 2023. Amy is a licensed agent with New York Life and is currently a part of New York Life’s three-year training program.

Amy graduated from Stetson University in Deland, Florida, with a Bachelor of Business Administration in Marketing. With a background in broadcast television and sales experience as the former President of an advertising agency, Amy has a passion for finance and helping others. She understands the needs of each client and provides them with the utmost form of financial wellness and direction.

From her personal experience, Amy understands the importance of having a detailed estate and retirement strategy, proper protection, and wealth accumulation in one's life and one's family. She thoroughly enjoys assisting clients in achieving their financial goals. Amy is involved and has volunteered for several local organizations and committees, especially adoption centers, helping children, and in Saint John’s County Schools.

Amy was born and raised in Sarasota, FL, and now resides in St. Augustine with her three beautiful children, Collin (18), Nathaniel (17), and Laurel (11). They enjoy spending time with relatives here in Florida and as far as California. In their free time, Amy and her children enjoy traveling to the "islands" and occasional snow, tennis, music, flying, church, and spoiling their chocolate labrador, Denver.

Business Services

Here at Wahby Financial Group LLC, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and help you execute customized strategies to help entrepreneurs meet their objectives. Some of our key services are detailed below.

Executive Benefits

The success of most businesses is tied in to the talent, passion, and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.

Succession Planning

Succession planning allows owners to retire from their business within their own time frame, while preparing for the company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business. We can provide financial strategies for succession planning.

Key Person Insurance

Key person life insurance offers a death benefit that helps indemnify an employer for the loss of one of its most important assets—the key person. This can help assure continuity of the business for employees, customers, and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.

Funding Buy-Sell Agreements

A buy-sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money if the event occurs.

Funding Deferred Compensation

Deferred compensation is a written agreement between an employer and an employee in which the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed to them at a predetermined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees. We provide funding strategies for deferred compensation.

Group Employee Benefits

  • Group Disability
  • Group Life Insurance
  • Group Health Insurance
  • Group Long Term Care Insurance
  • 401k and Simple IRA Plans
  • Employee Educational Workshops

Family Protection

We help determine if you and your family is properly protected from premature death, disability, or a long-term care event. We help individuals and families find innovative, cutting-edge products and services to help them grow, protect and conserve their wealth. To help you execute a sound retirement strategy, asset and income protection are important. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.

Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

Estate and Legacy Planning

A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected. We will work with you and your advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your family’s needs. With our strategic partner, The Nautilus Group, we will review estate planning documents and many times will help find ways to improve your current strategies.

Elements of an Estate Plan

Living Will

A living will, also known as an advance directive, is a declaration of the life-sustaining medical treatments you will or will not allow in the event you become incapacitated. Absent a living will, the laws in your state will determine who will make your health-care decisions.

Medical Power of Attorney

A medical power of attorney authorizes a person to make medical decisions on your behalf- ideally to carry out what you have specified in your living will. It is recommended that you consult with your power of attorney first to be sure the person understands your wishes, is comfortable with them, and will be strong enough to carry them out even if family members may object.

Financial Power of Attorney

A financial power of attorney allows you to designate someone to perform actions for you should you become ill, incapacitated, or otherwise unable to manage your affairs. This could include paying bills, selling securities, or making major financial decisions on your behalf. Without a power of attorney, your loved ones will have to go through the delay and expense of seeking approval from the court to carry out needed financial transactions.

Revocable Living Trust

A revocable living trust (RLT) is an arrangement whereby you transfer ownership of property into a trust during your lifetime. An RLT can be used as a substitute for a will in many respects by providing for the distribution of assets upon your death. Unlike a will, an RLT can be established to govern the distribution and use of the trust assets during your lifetime, which can make it a useful planning tool in the event you become incapacitated.

Will

A will is a legal document that stipulates where you want your estate’s assets to go after debts and taxes are paid and who is going to oversee the administration of your estate upon death. It also specifies who will care for your minor children. Without a will, your property would pass according to your state’s intestacy statues, which could be counter to your intentions. Generally, it is recommended that you have your will reviewed by an attorney at least every three or four years and upon the occurrence of major life events such as the birth of a child or grandchild, the marriage of a child, divorce, or the death of an heir.

Special Needs Planning

A special needs trust (SNT), a specific type of irrevocable trust is created to hold property for a beneficiary with special needs. If you have a loved one with special needs, you might consider creating an SNT that is administered as soon as possible after your death. The SNT will name a guardian or guardians and ensure that the right amount of assets and income are available to provide your love one with the best quality of life possible. It is highly advisable that you work with an estate-planning attorney who specializes in special-needs planning.

Business Owners

Typically, a business owner’s business is the largest asset in an estate. Therefore, succession planning is highly advisable to determine who your successor will be or how you wish to divide the business, or whether your business should be sold upon your death.

Trusts

A trust is like a will in that both trust and will documents are written sets of instruction detailing the transfer of property. A will, however, takes effect only at your death, whereas a trust can take effect both during your life and after your death. In addition, most trusts deal only with specific assets or property. A will governs the overall distribution of nearly everything that makes up your estate.

Wealth Management and Retirement Planning

Taking into account your needs, goals, and tolerance for risk, we will work with you to bring clarity to what you want to achieve and how to get there. Some of our key services are detailed below.

401(k) and IRA Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.

Neither New York Life Insurance Company nor its agents offer tax advice.

Wealth Management

Through Eagle Strategies LLC, a wholly owned subsidiary of New York Life Insurance Company, we work with our clients to design and implement a variety of wealth accumulation and management plans, offering investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to help ensure management of investment assets according to your goals, risk tolerance and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.

Financial Planning

Through Eagle Strategies LLC, we provide personalized financial planning to our clients that is specific to several variables, including their income, risk tolerance, values, and family. We work with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and help you execute a plan, and assess the performance of the plan and make adjustments as needed.

Philanthropy

Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals.

Special Needs Planning

 

Eagle Strategies LLC

 

The Nautilus Group®

The Nautilus Group® is an exclusive resource accessible to Member Agents working with affluent, high net worth and business owner clients. Nautilus provides a range of consultative services and technical case design to support its Member Agents in presenting estate, business, charitable, insurance and retirement strategies to their clients and their clients' advisors in these key areas: Family Protection, Estate and Legacy Planning, Business Succession and Exit Planning, Executive Benefits, and Philanthropy.

Since every client has unique requirements, The Nautilus Group® staff and its Member Agents employ an individualized case development strategy, working on a team basis with the clients' professional advisors.

Member Agents of The Nautilus Group®, through their expertise and commitment to this team approach, can provide resources, services and solutions that help their clients work with their own professional advisors to attain clarity on their financial situation and also help achieve their business and estate planning objectives.

This consultative process fosters an understanding between the client, the Nautilus Member Agent, and the client's circle of advisors. Working hand in hand with the Nautilus staff, Member Agents present their clients with state-of-the-art planning strategies and customized case analyses designed to meet the clients' complex objectives. The one-on-one case design process used by Nautilus is tailored to the unique requirements of each client, achieving a better understanding of the complex needs and goals of each individual.

The Nautilus Group® is located in Dallas, TX and is staffed by an elite team of professionals experienced in law, taxation, accounting, business, insurance, finance and philanthropic planning. This team provides dedicated support for Nautilus Member Agents, an elite group of experienced insurance and financial industry leaders, firmly committed to a team planning concept.

The Nautilus Group® is a service of New York Life Insurance Company. Neither The Nautilus Group®, its member agents, nor its staff provide tax, legal or accounting advice. Clients are urged to seek the advice of their own professional advisors before implementing any planning strategies.

 

New York Life

Robin Wahby, Guzman Castro and their fellow financial professionals are proud to be affiliated with New York Life Insurance Company. New York Life and its wholly owned subsidiaries provide life insurance, fixed annuities, and long-term care insurance. A mutual insurance company, New York Life is one of the largest mutual life insurance companies in the United States, and holds the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody's Investor Service (Aaa), and Standard & Poor's (AA+). (Source: Third-Party Ratings Reports as of 9/12/19.)

NYLIFE Securities

NYL Investments is a service of New York Life Insurance Company. They provide a multi-layered structure of asset managers with a highly specialized focus on investment management, processes and philosophies. Being a service of NYL Insurance Company allows NYL Investments to have a unique advantage and therefore allows Wahby Financial Group to offer the best investment knowledge to their clients.