Wozny Capital Advisors offers personalized concierge quality financial planning and investment management.

Financial planning is a broad topic covering many different subjects including retirement, college planning, estate planning, tax planning, savings goals, debt structure, insurance review, investment decisions and asset allocation.

Each plan begins with a thorough review of your current financial situation. Just as you wouldn’t want a doctor who hasn’t thoroughly reviewed your medical history and symptom to write a prescription for you (based on the last sales rep who was in the office), we can’t provide financial advice without understanding your individual financial situation.

Once we’ve had the opportunity to get to know you and your current situation, we can create a plan that will help you achieve your goals.

On an ongoing basis, we will review your progress, keep you up to date on anything that may need adjusting, and be a trusted resource for anything that involves a dollar sign in your life.

We Specialize in Personal Financial Planning

Let us help you answer the important questions and develop a plan that works for you.

Retirement Planning

    • How much do I need to save to be able to retire?
    • Am I saving in the right types of accounts? Should I be using a traditional 401(k), Roth 401(k), IRA, taxable account, other?
    • How do I select the types of investments that I should use?
    • Is my allocation too aggressive or too conservative?
    • When do I need to change my allocation?
    • How much will I be able to withdraw from my accounts?
    • Which accounts should I draw from first?
    • When should I begin collecting Social Security or my pension?
    • What happens if the market crashes when I’m about to retire?

College Planning

    • How much do I need to save to send my kids to college?
    • What types of plans should I use – 529 plans, IRAs, taxable accounts, savings bonds?
    • Should I limit my child to in-state schools only?
    • How do I know if we will be eligible for financial aid?
    • How do different accounts affect my ability to get financial aid?

Estate Planning

    • Do I need an estate plan?
    • Do I need a trust?
    • How should my accounts be registered?
    • Where will my assets go when I pass away?
    • What other documents do I need to consider?
    • How can I make sure my accounts are handled if I become incapacitated?

Tax Planning

    • How do I make sure that I’m not paying too much in tax?
    • What can I do to keep my income in the most favorable tax brackets?
    • Should I convert my IRA to a Roth IRA?
    • Should I consider tax-free municipal bonds?
    • Am I taking advantage the types of accounts that will maximize my tax savings?
    • Should I be concerned with the amount of required minimum distributions in retirement?
    • Can I avoid paying more in Medicare Part-B premiums?
    • How can I decide if moving to a state will no income taxes is a good idea for m y family?

Debt Structure

    • Should I pay off my mortgage?
    • Should I refinance my mortgage?
    • Is there a more efficient way for me to structure my current debt?
    • Should I buy or lease my next car?
    • How can I buy a new home without selling the one I have?

Insurance Planning

    • Do I need the insurance coverage I have?
    • Should I purchase whole life or term life coverage?
    • Do I have enough life, disability income, long-term care, or personal liability insurance?
    • What do I do if my long-term care insurance premiums keep going up?
    • How do I compare Continuing Care Retirement Communities that offer long-term care versus the coverage I already have?
    • How do I know if I’m properly protected against liability?


    • How much risk am I taking with my portfolio?
    • How much risk do I need to take to achieve my goals?
    • How do I make sure that I’m allocated in a way that won’t subject me to significant risk?
    • How can I best manage the taxes on my portfolio?
    • When should I change my allocation?
    • My company just changed the 401(k) plan options, what should I do?

Everyone has a
Risk Number.
Let’s find yours.