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.
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 member we have hired is
Nina and she already impacting our office and our conversations with you.
Additionally, we welcomed a new agent in training, 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 Wahby, CLU®
Founder and Financial Advisor
Guzman Castro
Financial Advisor
Ashley Blume
Registered Representative
Amy Beese
Licensed Agent
Michele Olding, ChFC®
Licensed Service Assistant
Nina Oakley-Doran
Licensed Service Assistant
Marketing Director
Darrell Griswold
Office Coordinator
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.
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.”
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
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:
Dancers at the St. Jude's 2024 Spanish Street Fiesta.
Amy at the St. Jude's Fiesta proudly representing Wahby Financial Group!
Wahby Financial Group is a proud sponsor of St. Jude's 2024 Spanish Street Fiesta.
Nina and Ashley all in Pink at the Pink Soiree benefiting Pink Ribbon Jax.
Amy walking in the 2024 St. Augustine Walk to Defeat ALS.
Robin and Dan Wahby with Congressman Aaron Bean.
Robin and Dan are the 2024 Congressional Let's Go Get 'Em PUTT PUTT CHAMPIONS!
The Wahby Team at the 2024 New York Life Jacksonville General Office
Awards, where Robin was awarded the 2023 Jacksonville's
General Office's Agent of the Year
Nina and Anna at the 8th International Women’s Day
Celebration hosted by SPS Coaching
Robin and friends at the Jacksonville Icemen
The Wahby Team supporting our friends at Angelwood. Proud to give
back to our community and make a difference together.
Nina and Ashley at THE PLAYERS Championship at TPC
Sawgrass
Dan and Robin Wahby at Savannah Ghost Pirates
“We don't receive wisdom; we must discover it for ourselves after a journey that no
one can take for us or spare us.”
Robin Wahby, founder, and CEO of Wahby Financial Group, helps families, businesses, and nonprofits 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:
An uncomplicated approach to financial success
An educational process that merges the principles of asset allocation with
tax diversity.
Having a real plan with a strategy and easy to understand steps.
Evaluating if their portfolio is truly “diversified” and if not, what to do
about it.
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.
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, 2023, and 2024 Robin has been 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.
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.
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 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.
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!
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.
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!
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.
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.
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.
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.
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
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