By Michael Gruidel, Financial Planning Administrator Many of us all but ignore our retirement accounts for much of our working lives. We look at a pay stub and have a vague sense of the “minuses:” Social Security, insurance, taxes. But the IRA is one of the most powerful retirement savings tools available to us, and so it warrants our attention. Read more
Advice in Common Language
Straightforward Fees
FORBES TOP-RANKED TEAM
People deserve to understand what’s happening with their money.
Have you ever sat across from a financial advisor and only understood every third word they were saying? And yet they were talking about your money, your life and your future.
At Gertsema Wealth Advisors, we believe clients should understand everything that is happening with their money; that advisors should be just as good about explaining investments as they are at making them.
First, we’re going to get to know you and discuss what’s most important to you. We’re going to figure out your goals and the outcomes you’d like to achieve with this money. We’ll do this by establishing your Family Index Number, which is the rate of return needed on your investments in order to pursue those outcomes. After we determine your Family Index Number, we allocate your money to our various investment strategies designed to help you pursue those goals.
We work with a wide variety of clients – everyone from high net worth investors to those who are just starting out. While each family gets a personalized allocation strategy, we’ve helped thousands of families navigate their complex financial needs and guided them through life’s major decisions.
As your trusted advisor, we’re focused on adding convenience and simplicity to your lives. We will make sure you’re educated on your investments and how we manage your money – as much or as little information as you’d like.
Whether you’re investing hundreds or millions, at Gertsema Wealth Advisors we’re about much more than results – we’re about helping you understand where those results have come from and why the strategy works. If you’re tired of the mystery of investing and want to know exactly what’s happening with your money, schedule an appointment today.
Discover the right investment strategy for you.
Tell us a little more about your investment objectives and level of comfort with risk.
By what percentage do you expect your portfolio to grow
annually over the long-term (10+ years)?
How to get started.
1. Schedule an appointment
2. Meet with us for a custom listening session
3. Get your personalized strategy
Schedule an appointment.
Please provide your name and email and we will have an advisor contact you.
Our financial planning services are built on trust, transparency and accountability.
Our experienced team of professionals will develop a personalized plan that gives you the power – and a path – to realize your dreams. Explore services
Portfolio Management
Based on what was learned during the financial planning process, your Wealth Advisor will help select a blend of disciplined investment strategies to work towards your ultimate financial goals. Learn More
Legacy Planning
Your Wealth Advisor will work with dedicated specialists and will help guide you to resources to provide peace of mind for when you pass your wealth to the next generation. Learn more
Wealth Planning
Our wealth management process is built around your personalized financial plan. We learn all about you, where you are now, and where you’d like to be. Learn more
What to Bring
We will need a complete picture of your financial situation so that we can design a proposal best suited to your needs and goals. Learn more
Connect with an Advisor
Please provide your name and email and we will have an advisor contact you.
Personalized Wealth Management
Gertsema Wealth Advisors’ mission is to meet with clients on an individual basis, provide on-going financial advice, and base all decisions on individual client goals and risk tolerance. We design portfolios to provide income and peace of mind by minimizing risks and protecting profits. We are a wealth management firm based in St. Joseph, Missouri, serving families, business owners, executives, and institutions. Our team provides the highest level of service for our local and national clients in financial planning and investment management. Contact us today and let Gertsema Wealth Advisors help you on your True Wealth journey.
Contact one of our wealth advisors to request a complimentary consultation.
Investment Management
Disciplined investment strategies are the foundation of our investment management process. Our time-tested strategies are designed to meet a variety of investment goals and objectives.
Carson Partners
Carson Partners are growth-minded advisors wholly dedicated to helping clients reach a higher purpose for their wealth and design a lasting legacy for their families.
Our Locations
Gertsema Wealth Advisors is headquartered in St. Joseph, Missouri. Contact us today to speak with a wealth advisor or financial professional.
Insights
Gertsema Wealth Advisors’ team of professionals provide you with transparent and proactive communications to equip you with the knowledge you need. Read more
Blog
The Benefits and Rules of Using Qualified ...By Cristina Wiebelt-Smith, CPA, Wealth Planning Administrator There is a simple but powerful tool called a qualified charitable distribution (QCD) that is a triple threat. They can fulfill your required minimum distribution (RMD), benefit your favorite charities, and reduce your taxable income. A QCD allows you to donate up to $100,000 of your RMD (pulling money from your taxable income) to qualified charitable organizations each year. All you need to do is instruct your IRA custodian to write a check to a qualified 501(c)(3) organization instead of distributing the money to you. You’ll have more control over your taxable...read the full article
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Market Commentary
Market Commentary: Jobs Market Shatters Expectations, Housing ...The U.S. jobs market roared back to life in March. The economy added or reclaimed 916,000 jobs, shattering expectations of a 150,000 increase. Workers being recalled or hired to fill openings at restaurants and bars contributed 176,000 jobs to March’s gains. Previous months were revised higher by 156,000.
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Monthly Newsletter
How a 529 Plan Can Help You Save ...Despite an evolving society, college is still a right of passage for many. We pack the family SUV with suitcases and dreams and take the young hopeful on to their next adventure.
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Video
Getting the Most Out of Your Retirement ...Watch the on-demand webinar, hosted by Carson’s Director of Retirement Research Jamie Hopkins and Financial Planning Administrator Michael Gruidel, to learn how to get the most out of your retirement savings. Click Here to Watch the Webinar
Read MoreWeekly Market Commentary
- Market Commentary: Personal Income Fell in February, Stimulus Clouds Underlying Economic Health
Slow improvement in economic data is being masked by the surging nature of government support. The gush of personal income growth in January was followed by a 7.1% decline in February. March will likely surge again with the latest round of stimulus. Employee compensation, which excludes government payments, was flat last month and has increased 0.2% over the last year.Read more