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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.
Wahby Financial Group, LLC is a full-service wealth management firm that helps
clients with protection planning, wealth management and retirement planning, estate
and legacy planning, business succession and exit planning, executive benefits, and
philanthropy.
What it Means to be a Fiduciary
Behind the Logo
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.
We believe in our community, and people supporting people. The Wahby Financial Group
team supports many of our local non-profit organizations such as, Angelwood, Inc, Pace
Center for Girls, Jacksonville Women's Network, and BEAM.
“The real voyage of discovery consists not in seeking new lands but seeing with new
eyes.”
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.
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.
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.
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.
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
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.
Introduction
We use a proprietary process called MAP, or Macro Asset Perspective®. In this
process, our advisors deal with protection of assets, accumulation of wealth,
building retirement income that cannot be outlived and leaving a lasting legacy.
The Process
During our process, first we introduce the scope of the work that we do and
explain how New York Life provides products and services solutions to our clients.
From there, we engage our clients in a Discovery process to uncover their
objectives and current financial state... [Read
More]We then do a thorough Analysis of the
Discovery Data and engage our team of professionals to develop a Summary Plan
and Recommendations. We then Educate our clients as to their options and help
them take Action to implement the plan. For many of our clients, they will then
move from the MAP Foundations process to the full MAP, which more deals with the
accumulation and placement of assets. Our goal is to develop lifetime
partnerships with our clients to add value for them.[Read Less]
Our Role
In this process, we act as a Problem-Solving Coordinator for our clients. We
interact with the client’s team of professionals, develop action items and
follow-up on those items to ensure that the plan is implemented.
Digging Into the MAP
The 12 green boxes in the image to the left represent the foundation of risk
management planning. From there, our certified MAP Advisors can create a more
comprehensive asset allocation model of your current assets and cash flow.
“Let us be grateful to people who make us happy; they are the charming gardeners who
make our souls blossom.”
Date: Friday 8/21/2020 Time: 6:30PM Location: Facebook Live Virtual Gala
Event Details: Wahby Financial Group is a proud sponsor of
the Angelwood Live Gala. The gala benefits children, adults, seniors, and
families living with intellectual and developmental differences such as
Autism, Cerebral Palsy, Down syndrome, and Spina Bifida.
Robin Wahby, CLU®, is the owner and CEO of Wahby Financial Group
founded in July of 2013. Robin is a self-proclaimed corporate “drop out” after
becoming the Managing Partner for New York Life Insurance Company for 20 years
in Jacksonville, Florida. Robin was in charge of retail life, annuity and
investment sales, recruiting and developing and helping advisers scale their
practices. Robin felt the heart tug to go back and work with clients directly
and opened her insurance and wealth management firm in 2013. Robin loves to
welcome all people to her offices in Jacksonville Beach and helps people mainly
with retirement needs, contingency planning and estate planning. Robin also
works with business owners and non-profits.
Robin is the current President of Angelwood, Inc. in Jacksonville, a non-profit
that she has been involved with for 20 years that takes care of the
developmentally disabled community. Robin serves the finance committee for the
statewide Pace Center for Girls as well. Robin is also on the board of the
Jacksonville Women’s Network.
Robin attended the University of Maryland, College Park and majored in Finance.
Her CLU® designation was attained from the American College in Bryn
Mawr, Pennsylvania.
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.
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Rachel has been a key partner with Robin Wahby since Wahby Financial Group
first opened in 2013. Starting her career as a licensed intern, Rachel now leads
new client onboarding and our private clientele division. Rachel attended the
University of North Florida and received a double major in Finance and Business
Management. Experiencing a loved one’s death at a young age, Rachel’s compassion
for protecting what matters the most to you is apparent when connecting with
others.
Rachel is also in charge of the firms “policy appraisal” process, where she
analyzes and helps clients understand what life insurance polices and investment
contracts they currently have. Through this process, most clients find that they
are paying more in fees than they thought or have more risk to their situation
than what is appropriate. Rachel can help change that!
Growing up in Boca Raton Florida, Rachel has a love for boating and being
outside with her dogs, Hazel and Falkor. Her favorite place to visit is Treasure
Cay in the Abaco Bahamas.
Ashley Blume is an Independent Agent with Wahby Financial Group in Jacksonville
Beach, FL. She is committed to and very passionate about helping individuals
retire successfully and achieve peace of mind by protecting their families and
businesses.
Like many of her clients, Ashley has a strong desire to give back to the
community. She previously served on the board of First Coast Rotaract and 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.
She was chosen for the 2019 JAX MVP class with the Jaguars Foundation. Selected
for her role as a local emerging leader in the community, Ashley was part of a
development team that helped support the Jaguars Foundation and the Jacksonville
Community.
Ashley is a native to 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 Neptune Beach with her dog,
Toby, and spreads her time between Wahby Financial Group and the Broome Legacy
Group.
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exercitation nisi laboris ut deserunt consectetur id.
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proident. Consectetur est exercitation elit exercitation aliqua tempor ullamco
amet qui qui.
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officia eiusmod proident nostrud culpa. Pariatur reprehenderit esse laboris
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nulla dolore.
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
Forbes Best-in-State Top Financial Security Professional 2024
We are proudly named by Forbes on this year’s ranking of Top Financial
Security Professionals in Florida. Our goal is to serve clients with
unmatched excellence, so this award is a reflection of the real value
we deliver to our clients. We strive to continue to prioritize
providing reliable solutions and guidance to our clients.
We were chosen as one among a very small group of Top Financial
Security Professionals in the state to receive the recognition this
year. The list features a ranking of the best insurance professionals
whom families rely on for wealth preservation and protection.
Financial Security Professionals were selected by an independent
research firm based on various qualitative and quantitative data and
one simple notion: “Would we recommend these professionals to a family
member or friend?”. You can learn more about SHOOK Research’s
methodology here.
Neither SHOOK nor Forbes receives any compensation in exchange for
placement on its Top Financial Security Professional (FSP) rankings,
which are determined independently (see methodology). FSP refers to
professionals who are properly licensed to sell life insurance and
annuities. FSPs may also hold other credentials and licenses which
would allow them to offer investments and securities products through
those licenses. Ranking algorithm is based on qualitative measures
learned through telephone, virtual and in-person interviews to measure
best practices. Also considered: client retention, industry
experience, credentials, review of compliance records, firm
nominations; and quantitative criteria, such as: assets under
management, sales figures and revenue generated for their firms.
Investment performance is not a criterion because client objectives
and risk tolerances vary, and audited performance reports are rare.
Individuals must carefully choose the right FSP for their own
situation and perform their own due diligence. SHOOK’s research and
rankings provide opinions intended to help individuals choose the
right FSP and are not indicative of future performance or
representative of any one client’s experience. Past performance is not
an indication of future results. For more information, please see
http://www.shookresearch.com/. SHOOK is a registered trademark of SHOOK Research, 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.
Wahby Financial Group LLC | Jacksonville
Beach, FL
