Wealth Management | The Protection Pro

The Retirement Question

Are You On Track for Retirement?

Most professionals have no idea if their current savings will be enough. Your 401(k) might be sitting in default target-date funds that don't match your goals. Taxes could be eating your returns. And without a clear strategy, you're leaving your retirement to chance.

For engineers and executives with complex compensation—stock options, bonuses, multiple retirement accounts—the stakes are even higher. Every year without a strategy is another year of missed opportunities and potential tax inefficiencies.

The good news? With a clear wealth management strategy, you can know exactly where you stand, optimize your investments, and retire on your own terms.

Comprehensive Wealth Services

What's Included in Wealth Management

Retirement Planning

Determine how much you need to retire, when you can retire, and how to create income in retirement. We run projections based on your specific goals and situation.

401(k) & IRA Optimization

Review your current allocations, optimize fund selections, and develop rollover strategies for old accounts. Stop leaving money on the table in suboptimal investments.

Investment Portfolio Management

Diversified portfolios, strategic asset allocation, regular rebalancing, and tax-loss harvesting. We build and manage a portfolio aligned with your goals and risk tolerance.

Tax-Advantaged Strategies

Minimize taxes on investments through strategic Roth conversions, capital gains management, and tax-efficient withdrawal strategies. Keep more of what you earn.

Estate Coordination

Work with your attorney and accountant to ensure your investments align with your estate plan. Coordinate beneficiary designations and wealth transfer strategies.

Is This Right for You?

Who Wealth Management Is For

Engineers & Technical Professionals

Analytical mindset, appreciate data-driven investment strategies, and want efficient solutions that maximize returns without unnecessary complexity.

Executives & High Earners

Complex compensation including stock options and bonuses. Need tax-efficient wealth building strategies that optimize your total compensation package.

Anyone with a 401(k) or IRA

Want to make sure your retirement accounts are optimized, not sitting in default funds. Looking for guidance on asset allocation and fund selection.

People Within 10 Years of Retirement

Need a clear transition plan, income strategy, and Social Security timing optimization to ensure a comfortable retirement on your terms.

Simple Process

How It Works

1

Tell Us Your Goals

Quick questionnaire about retirement goals (2 min)

2

Complete Factfinder

Investment questionnaire + risk tolerance assessment (15 min)

3

Ron Analyzes

Ron reviews your portfolio and retirement readiness

4

Get Your Plan

Receive personalized recommendations and retirement timeline

5

Implement & Monitor

Ron helps execute changes and provides ongoing management

Our Approach

How Ron Manages Money

Diversification

Spread risk across asset classes, sectors, and geographies. Never put all your eggs in one basket—even when a particular investment seems "hot."

Asset Allocation

Tailored to your goals, timeline, and risk tolerance. Your portfolio should reflect your unique situation, not a one-size-fits-all template.

Tax Efficiency

Minimize taxes through smart strategies like asset location, tax-loss harvesting, and strategic Roth conversions. Keep more of what you earn.

Long-Term Focus

No market timing or speculation. We stay invested through market cycles and avoid the emotional decisions that destroy long-term returns.

Success Stories

What Our Clients Say

"I had three old 401(k)s from previous jobs that I never knew what to do with. Ron helped me consolidate them, optimize my investments, and showed me exactly when I can retire. The clarity alone was worth every penny."

Michael

Software Engineer, Brook Park

Your Wealth Management Partner

I'm Ron Ray Maxwell, a Cleveland native with over 20 years of experience helping professionals build and protect their wealth. With a finance degree from Cleveland State and Series 7 licensing, I bring both education and experience to help you achieve your retirement goals.

Learn more about Ron

Common Questions

Wealth Management FAQ

In most cases, yes. Rolling over an old 401(k) into an IRA gives you access to more investment options, typically lower fees, and easier account management. If you have multiple old 401(k)s from previous employers, consolidating them simplifies your retirement planning and makes it easier to maintain a proper asset allocation. Ron evaluates your specific plan’s fees, fund options, and any employer match considerations before recommending a rollover.

A common benchmark is 25x your annual expenses, but the right number depends on your lifestyle, healthcare needs, Social Security timing, and Ohio state taxes on retirement income. Ron runs detailed retirement projections based on your current savings, contribution rate, expected returns, and retirement goals—giving you a clear picture of exactly where you stand and what adjustments are needed to retire on your terms.

A low-cost retirement investment strategy uses diversified index funds and ETFs with expense ratios under 0.20%—compared to the 1%+ fees charged by many actively managed funds. This approach focuses on broad market diversification, tax-efficient asset placement, and disciplined rebalancing. Over a 30-year career, the difference between high-fee and low-fee investing can amount to hundreds of thousands of dollars in your retirement account.

Most financial experts recommend reviewing your retirement portfolio at least quarterly and doing a comprehensive rebalance annually. You should also review after major life events like a job change, marriage, new child, or inheritance. With our Ongoing Partnership, Ron monitors your portfolio quarterly, conducts annual in-depth reviews, and provides unlimited check-ins whenever your situation changes.

A flat-fee financial advisor charges a fixed annual amount regardless of how much money you have invested—unlike percentage-based advisors who charge 1% or more of your assets. For someone with $500,000 invested, a 1% fee is $5,000/year and grows as your portfolio grows. Ron charges a flat $1,800/year for ongoing wealth management, saving clients thousands compared to the traditional assets-under-management model.

The best protection against market downturns is proper diversification, age-appropriate asset allocation, and avoiding panic selling. Market corrections of 10–20% happen regularly—historically about once every 1–2 years. Ron’s strategy includes maintaining an appropriate mix of stocks, bonds, and other assets based on your timeline, rebalancing during volatility to buy low, and keeping enough cash reserves so you never have to sell investments at a loss.

No Pressure. Just Clarity.

We'll show you exactly where you stand before you decide anything. Get a clear picture of your retirement readiness with no obligation to proceed.

Fiduciary standard means Ron's advice is always in your best interest, never influenced by commissions or product sales.

Transparent pricing. You always know what you're paying and why—both for planning services and investment costs.

Ready to Build Your Wealth Plan? Here's What Happens Next.

Click the button below to tell us about your retirement goals. You'll complete our investment questionnaire and risk tolerance assessment (15 minutes) so Ron can analyze your situation. Then schedule your consultation at a time that works for you.

Start My Wealth Plan

Start Your Wealth Plan Today

Stop wondering if you're on track. Get a clear wealth management strategy that grows your assets and ensures a confident retirement.

Start My Wealth Plan Prefer to talk? Call (440) 655-2675

Build Wealth and Retire with Confidence