Business Details
Your Peace-of-Mind in Retirement Starts with a Purposeful Plan
Founded on the principle of client-centric service, Sammons Wealth Management has been guiding professionals toward secure retirement for over three decades. Our team specializes in comprehensive financial planning, tax minimization strategies, and investment management tailored to high-income LGBTQ professionals, independent women, and couples with $1M+ in assets. As a fiduciary advisory firm, we maintain strict independence by avoiding product sales, commissions, or third-party fees. Our proprietary retirement planning process addresses critical questions about retirement timing, income sustainability, and asset allocation while emphasizing ongoing adaptability to life changes.With client assets custodied at Charles Schwab, we combine institutional-grade resources with personalized attention through a limited client roster that ensures dedicated service. The firm's founder, Stephanie Sammons, brings extensive industry experience from senior roles at major financial institutions, maintaining active certifications and affiliations with leading professional organizations.
Services
Retirement Planning
Investment Management
Tax Minimization
Social Security Timing
Estate Planning
Portfolio Management
Long-term Care Planning
Risk Assessment
Wealth Alignment
Financial Coordination
Highlights and features
- 30 years of experience in retirement planning for high-net-worth clients
- Fee-only fiduciary advisory services with no product commissions
- Specialized expertise serving LGBTQ professionals and independent women
- Proprietary 5-step investment management process for retirement sustainability
- Nationwide service with institutional-grade custodial partnerships
Services
Retirement Planning
Our comprehensive retirement planning process helps clients define their ideal retirement vision while addressing critical financial considerations. We analyze income needs, asset allocation, and risk management strategies to create personalized roadmaps for sustainable retirement. The service includes Social Security optimization, Medicare guidance, and long-term care planning to ensure complete preparedness for life after work.
Investment Management
Our 5-step investment management process focuses on preserving and growing wealth through strategic asset allocation. We consolidate client accounts to provide holistic portfolio oversight, utilizing diversified, low-cost funds while maintaining periodic rebalancing. The service emphasizes risk management and tax-efficient withdrawal strategies to sustain retirement income across market cycles.
Tax Minimization
We develop customized tax reduction strategies that integrate with overall retirement plans. Our approach considers Roth conversions, tax-loss harvesting, and income stream optimization to minimize lifetime tax liabilities. The service coordinates with estate planning elements to ensure efficient wealth transfer while maintaining compliance with evolving tax regulations.
Social Security Timing
Our specialized analysis maximizes Social Security benefits through strategic claiming decisions. We evaluate spousal benefits, delayed retirement credits, and tax implications to create optimal claiming timelines. The service integrates with overall retirement income plans to ensure sustainable cash flow throughout retirement years.
Estate Planning
We coordinate comprehensive estate planning strategies that align with retirement objectives. Our approach addresses asset distribution, beneficiary designations, and legacy considerations while working with legal professionals to implement appropriate documentation. The service ensures clients' wishes are preserved through coordinated wealth transfer mechanisms.
People
Stephanie Sammons
Founder/Owner
Certified Financial Planner with 30+ years of experience guiding professionals through retirement transitions. Former VP-level advisor at UBS and Merrill Lynch, specializing in retirement tax strategies and wealth management for LGBTQ professionals and independent women.
Ashley Klug
Executive Administrative Assistant
Operations manager with financial advisory industry experience, supporting client service delivery. Holds business administration degree from Towson University, specializing in administrative leadership for wealth management firms.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including vision definition, income projections, tax strategies, Social Security optimization, and investment management tailored to professionals nearing retirement.
Who are your typical clients?
We specialize in serving 50+ professionals within 5-15 years of retirement who have accumulated $1M+ in investable assets, with particular expertise serving LGBTQ professionals and independent women.
How is your investment management approach different?
Our 5-step process focuses on holistic portfolio oversight, strategic asset allocation, and risk management specifically designed for retirement sustainability rather than just accumulation.
Are you a fiduciary advisor?
Yes, we operate as a fiduciary advisory firm, meaning we're legally obligated to act in clients' best interests without selling products, charging commissions, or accepting referral fees.
How do you handle retirement tax planning?
We implement tax-efficient strategies including Roth conversions, tax-loss harvesting, and coordinated withdrawal plans to minimize lifetime tax liabilities while maintaining retirement income sustainability.
What retirement account custodians do you use?
Client accounts are custodied at Charles Schwab, providing institutional-grade security and access to comprehensive investment options while maintaining independent advisory oversight.
