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Apex Capital Wealth Management offers each client customized financial planning, consultation, advice, investment management and related products to help them plan their futures and make them a reality.
In unpredictable times, you need a reliable team of financial advisors and wealth managers that you can trust. We are your neighbors with the know-how!
"The New Standard in Personalized Wealth Management"
Our suite of wealth management services can help you meet your financial goals in any stage of life. Whatever your goal for your financial future might be – saving for your child’s college education, planning to buy a home, investment management, rolling over a 401K, or retirement planning, our wealth managers can determine the financial services needed and create a plan to help you reach the goals that are important to you - now and in the future.
Gold Medal Services
Investments: Individual Planning
College Planning - 529's, UTMA's, Coverdell's
Investments: Retirement Planning
IRA's - Traditional & Roth
Individual 401K's, SEP's SIMPLE
Company Retirement Plans - 401K's, Money Purchase Plans
Mid Year Review
Lifestyle Maintenance Planning
Work with Attorneys to put a proper plan in place
*Variable annuities are offered only by prospectus. Carefully consider the investment objectives, risks, charges, and expenses of variable annuities before investing. This and other information is contained in each fund’s prospectus, which can be obtained from your investment professional and should be read carefully before investing. Guarantees are based upon the claims paying ability of the issuer.
Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks, and may lose value. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59† unless an exception to the tax is met. Add-on benefits are available for an extra charge in addition to the ongoing fees and expenses of the annuity and may be subject to conditions and limitations. There is no guarantee that an annuity with an add-on living benefit will provide sufficient supplemental retirement income.
Private Wealth Management
Below is a more detailed description of the wide array of financial services that Apex Capital Wealth Management has to offer. If you have any questions, please call the office to schedule a call or meeting with one of our financial advisors. It is our objective as your wealth management team to make your financial goals a reality for you and your family.
Investment Monitoring Service
An Investment Advisor will take the time to review your investments, your current finances, and listen to your goals. A personalized portfolio, appropriate to your needs, will then be designed to help you meet those goals. Our investment monitoring service includes:
Reviewing your investments and designing a personalized portfolio appropriate to your needs by a registered investment advisor and CERTIFIED FINANCIAL PLANNER™ (CFP®)
Year-long, continual monitoring of your investments
Multiple meetings to: review and evaluate your investment performance, update your overall financial objectives and if necessary, reallocate your portfolio as agreed upon by you
Commission-free transactions on most trades in your account (certain transaction fees may apply)
Recommendations regarding positioning of funds within your employer provided retirement plans such as 401(k)s
Quarterly “market watch” letter detailing our firm's research, analysis and view of the current state of the investment markets
Independent Investment Advice and Risk Management
Tax Reduction Planning
As part of our Wealth Management Services, our tax specialists will complete a comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies. This is where Apex’s holistic approach to taxes and investments, functions well to help you reach your financial goals. Here is what you can expect:
Comprehensive review of your return to highlight opportunities for maximizing tax reduction strategies
Review of your tax situation and planning to incorporate any new tax law changes
Recommendations of tax solutions including tax advantaged investments
Staying up-to-date on and presenting new tax laws that can effect your situation
Family Wealth Planning
Estate Planning is one of the most crucial parts of our financial services. One of South Jersey’s best financial advisors can help you protect your investable assets and navigate your concerns by:
Providing a review and general analysis of your current estate plan and concerns by a wealth management consultant
Facilitating a free consultation with your attorney
Trust Services: Giving assistance in transferring assets to your Living Trust or other trusts
Providing guidance with the appropriate and necessary steps in the event of the death of a loved one
Retirement Income & Distribution Planning
You may already have an idea of how you want to live your life after you retire. We can help you plan by:
The creation of an analysis of your income needs now and in the future by a trusted wealth manager.
Continual development and implementation of recommendations to fund your income needs and help maintain a comfortable standard of living
Recommendations regarding the best distribution strategy for your employer retirement plans and IRAs
Analysis of the beneficiaries of your IRAs and how to establish an Inherited IRA to continue your IRA to minimize your beneficiaries' tax consequences
Client Services and Communication
An important service of Apex Capital Wealth Management is not only guiding our clients but giving them an education and understanding of their investments, the market and how it effects their goals. Here are some of the ways our top financial advisors meet this target:
Quarterly Newsletter to keep you apprised of the most current planning options
Portfolio Reviews by one of our wealth managers
Special reports on how to reduce your taxes and other important topics
Special Gold Medal Service Events, including client appreciation events (where you may bring up to 2 guests)
Newsletters with important tax law changes
Our Mission Statement
To provide our clients with sound tax preparation, advice and planning along with quality financial products that will help them to reach their goals and dreams.
An effective financial plan takes a comprehensive approach and may span several years, taking into account our client's multiple concerns and objectives.
Each quarter, at Apex Capital Wealth Management, we mail a financial update for informational purposes as part of our commitment to educate our financial planning clients by giving them information and an understanding of their investments, the market and how it affects their financial targets. This blog gives just a sampling of what we provide to our clients for educational purposes to help them make their financial decisions.
Download Our E-Book Financially Fortified
What are you doing to protect yourself, your family, your wealth, and your legacy?
The good news is that by reading this ebook, you are on the path to Fortified Finances. This ebook is designed as a short guide to vetting a financial advisor objectively and ensure they are worthy of the trust you will place in them.
Financial Planning FAQ's
We hope you find the answer to your questions here. Please call our office anytime to make an appointment with a wealth manager if you need any more information. We would be honored to provide you with a current financial picture and financial advice to help you meet your long term financial goals.
What is Wealth Management?
Wealth Management strives to meet the client’s financial life goals. It takes a holistic approach to a client’s financial situation through a broad range of services including: complex financial planning, tax reduction planning, investment monitoring, trust services and estate planning. Consolidating all types of financial advice in one capital wealth management firm serves to streamline these services for the individual. While growing a client's wealth may seem like the primary goal, these types of advisory services are particularly important for individuals to manage their liability exposure, charitable giving, passing their assets on to their heirs, and investment products. While wealth managers may not provide legal advice, they can work with attorneys regarding any related legal matters like a divorce, death in the family, or job change.
What can I expect from a Wealth Management Advisor?
An interview is the first step in a wealth management firm’s process. A wealth management advisor will ask a complete array of questions to ascertain a full financial picture to offer personalized advice to a client. A customized plan to help meet the client’s individual financial goals is put together by a dedicated advisor. Your advisor can provide access to resources and expertise to help with even the most complex planning needs. The advisor will meet with the client throughout the year to review the financial targets, adjust them as needed and provide advice looking toward future performance. Expertise related to the specific challenges that affluent clients experience is an important part of a wealth manager's role.
What kind of credentials should I look for in a Wealth Advisor?
The most important credential that an individual would look for is whether that advisor is a fiduciary. A fiduciary means that the advisor must put the client’s interest above their own or their employers. Certain credentials like CFP®’s (CERTIFIED FINANCIAL PLANNER™) and those that work for Registered Investment Advisors are required to act as fiduciaries. Keep in mind that investing involves risk and it is important to choose someone whose main goal is to work within your risk comfort level. Always be sure to vet whatever types of financial advisors you are interested in using.
What are the benefits to having a Local Financial Advisor?
Finding an advisor who meets your individual needs and who understand your circumstances is important to managing your money with stability and peace of mind. There are many wealth managers and companies to choose from especially in this modern age where we have access to multiple professionals across the globe through the internet. However, most people still feel more comfortable speaking with a wealth management advisor face-to-face at the wealth management firm. Reviewing sensitive information, like investment banking or health care, in person, can put you at ease and help you build a rapport with your personal wealth manager. In a local office, you can discuss your questions and concerns as often as you need to at the physical location, by email, scheduled online meetings or by phone.
A good local financial expert will go well beyond simple asset allocation and stress the need for regular meetings or check-ins to make sure you are on track to meet your goals based on their advice. Sound investment management requires consistent investment strategy review of the investment products you and your advisor have chosen.
What is the difference between a wealth manager and a financial planner?
The term “financial planner” can mean a lot of things. A financial planner usually focuses only on providing a financial plan for their clients.
A wealth manager provides comprehensive, interdisciplinary services for their largely high net worth clients or affluent clients. Financial planning is just the first step provided by a wealth manager. Wealth managers will integrate comprehensive financial planning with tax planning, estate planning, investment advice, and other services to help their clients achieve their goals.
What if I move and can no longer meet in person with my financial advisor?
Our top financial advisors will make every effort to make this transition as smooth as possible for you. At Apex Capital Wealth Management, we have clients that have continued to partner with us for our financial expertise, investing services and tax planning even though they have moved many states away. We take pride in offering services that give our clients peace of mind no matter where they live.
I am new to investing. What do I need to know?
Individual investors need to understand how an investment works and the risks that are involved before they choose one. Before investing, start by determining your goals. Is your goal to grow your money, keep it safe, or both? Another question when considering investing is, how long do you plan to invest? Is this a short-term, medium-term or long-term investment? What are the tax implications on investing? Have you already started investing and how does this new investment affect your asset mix? While these question may seem overwhelming, a seasoned wealth manager can advise you expertly on all these aspects of investing.
What type of services does Apex Capital Wealth Management and Apex Tax Advisors offer?
At Apex we strive to offer a comprehensive suite of services and advice from our financial experts to cover all the financial aspects of a person’s life. This is one of the reasons tax planning and preparation is so important – because it is integral to how your money will serve you now and in the future.
Apex will take into account your total investable assets to create a personalized financial plan and offer individual investment planning. This includes college planning, stocks, bonds, mutual funds, variable annuities, and ETF’s, (exchange-traded funds). In addition to this, our financial planning services include planning for retirement with IRA’s – Traditional IRA’s and Roth IRA’s, 401K rollovers, individual 401k’s, SEP’s (Simplified Employee Pension Plan), Money Purchase Plans and Distribution Planning. Our Specialty Financial Planning Services include a 401K Review, a Mid-Year Review, Portfolio Review, Beneficiary Review, Distribution Planning and Lifestyle Maintenance Planning. Apex will also work with attorneys to put a proper plan in place for your estate plan.
Advisory services are offered through Apex Capital Wealth Management, A Member of Advisory Services Network LLC. Tax and accounting services are offered through Apex Tax Advisors, LLC. Advisory Services Network, LLC and Apex Tax Advisors, LLC are separate and unrelated entities.
8 Reasons to Budget and Not to Fudge it!
It is always a good time to create or review your budget. Budgeting and balancing your bank account is the best way of making sure what’s going out of your account each month isn’t exceeding what’s coming in.
Serving our Neighbors in South Jersey for Over 20 Years!
Haddonfield 08033 Haddon Heights 08035 Cinnaminson 08077 Cherry Hill 08002 08003 08034 08358
Maple Shade 08052 Marlton 08053 Medford 08055 Medford Lakes 08055 Merchantville 08109
Moorestown 08057 Mount Holly 08060 Mount Laurel 08054 and Beyond!
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