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A white-glove, planning-first
financial
advisory firm.

Wealth Management

Your wealth is a reflection of years of effort. We honor what you’ve achieved by putting in a colossal effort to take great care of you and your family. We take pride in being a proactive team that does what we say we’ll do.

Here’s what we can help you with.

Our Services

Investment Management

Our process is based on time-tested methods. We strive to capture as much market upside as possible while keeping portfolio risk and expenses to a minimum.

We use globally diversified, cost-effective, and tax-efficient portfolios with a tilt toward value-driven stocks. We avoid alternative investments because of their high expenses and mediocre long-term performance record.

Our strategies are passive at the security level but active at the portfolio layer. Our investment team is data and research-driven to ensure careful decisions are made with your portfolio.

Transparency of our process is paramount. It’s critical that you feel comfortable with how your money is put to use. To whatever degree you’d like, we’ll carefully explain and help you understand exactly how your investments work.

For those who need extra sophistication, we offer cash management portfolios targeting higher yields for short-term funds. We also provide private equity analysis, integration, and tracking.

Financial Planning

After a thorough discovery process, we’ll develop a plan to help maximize what your money can do.

We start with cash flow. We’ll establish spending targets in line with your income sources and expected investment growth.

Our team will check in with you throughout the year to see how life has changed. Sometimes this means adjusting your plan, other times it provides us with helpful context for future developments.

We can also provide guidance with education planning, estate purchases, and philanthropy planning, anything else financial-related.

Whatever journey you’re on, we’re your personal consultant to help you confidently enjoy your money.

Tax Strategy

Growing your wealth is a priority. Maintaining it is important, too. We carefully consider where assets are located and how to minimize your tax bill.

We partner with world-class tax consultants to prepare your tax return. With a more complete view of your financial needs, we’re more efficient with your investments.

If you already have a trusted tax advisor, we’ll actively communicate to ensure our strategy is aligned and in your best interest.

Equity Compensation Guidance

You’ve worked hard, climbed the ladder, and have been rewarded for your years of dedication.

We provide detailed guidance on deferred compensation structure and payout strategies, executive pensions, concentrated stock positions, and stock option strategies.

Trust & Estate Planning

You’ve built wealth worth protecting. We’ll help you secure your legacy by ensuring your assets are safeguarded from predators. Hapanowicz acts as your quarterback and works with our trusted legal partners to coordinate your financial plan with your estate plan. This synergy ensures you have the highest level of protection possible.

Insurance Analysis & Strategy

Our team will review your existing policies (life, long-term care, umbrella, and others) and provide recommendations to integrate and optimize your insurance strategy with your financial plan.

If you don’t have adequate insurance, we can help guide you to efficient options that pair with the plan we create.

Our
Process

Nobody can control what happens with the market, but we can be by your side and help you manage your response to give you the best opportunity for long-term success. Our systematic planning approach ensures we’re analytical and proactive with all your financial needs.

Here’s how it works:

Winter—Spring

Asset Management + Goals

Winter—Spring

  • Portfolio re-balancing and re-optimization
  • Risk and suitability analysis
  • Life changes and assumptions
  • Financial position updates

Spring—Summer

Risk + Protection Planning

Spring—Summer

  • Cash flow revisited
  • Needs analysis
  • Annual insurance reviews
  • Estate planning strategies

Fall—Winter

Tax Strategy + Planning

Fall—Winter

  • Tax information gathering
  • Coordinate with CPA or tax professional
  • Long-term tax planning strategies

Getting
started is
easy:

Discovery

We’ll get to know you and your family—what your goals and priorities are. This becomes the backbone of your personalized financial plan.

Presentation

You’ll receive a personalized plan of action meticulously aligned with your objectives, and your initial consultation comes at no cost.

Action

You start your Seasons of Wealth journey alongside a financial advisor, ensuring continuous progress through regular check-ins and adjustments.

FAQ

Are you a fiduciary?

Yes. Our financial advisors are accomplished professionals who uphold a strong fiduciary standard—putting your interests before our own. We don’t sell insurance products, earn commissions, or take kickbacks of any sort. We aim to be fair and transparent with our fee structure.

Do you work with clients virtually?

Yes. While our company is proudly headquartered in Pittsburgh, PA, we work with people all across the country. With modern technology, we can meet through video conferencing and stay in close touch whether you’re here in person or not.

What are your credentials?

We have an expert team of financial planners and investment managers who hold accomplished designations like Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER™ (CFP®), and Retirement Income Certified Professional (RICP®).

How do you get paid?

We work with people looking to delegate their critical financial needs on an ongoing basis. We charge a fee that’s a percentage of the value of the investments we manage.

We don’t get paid through any type of commission, kickback, or other undisclosed revenue sources.

Talk with an advisor.

Engage with a qualified partner for financial guidance built on loyalty, empathy, and integrity.

Talk with an advisor.

Engage with a qualified partner for financial guidance built on loyalty, empathy, and integrity.