Business Details
Your Trusted Partner for Transparent Financial Planning
Foundation Wealth Management was established to challenge traditional wealth management practices by prioritizing client needs over industry profits. Our team of certified fiduciary advisors delivers transparent, fee-only financial planning and asset management services. We specialize in creating personalized strategies for wealth accumulation, retirement planning, and tax-efficient investing, with a fixed $12,000 annual fee structure that eliminates hidden costs.With offices in Pennsylvania and Delaware, our firm serves individuals and families seeking long-term financial security through evidence-based investment strategies and proactive financial guidance. Our commitment to education and client empowerment ensures clients make informed decisions aligned with their unique financial goals.
Services
Financial Planning
Investment Management
Retirement Planning
Tax Strategies
Wealth Preservation
Highlights and features
- We operate as 100% fee-only fiduciary advisors with transparent pricing
- Our team includes CFP professionals with decades of combined experience
- We implement evidence-based investment strategies grounded in Nobel Prize-winning research
- Our fixed-fee model ensures costs remain predictable regardless of portfolio size
- We maintain independence from Wall Street institutions and private equity ownership
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for achieving long-term financial goals. We analyze your complete financial picture to develop strategies for debt reduction, education funding, and retirement preparation. Our evidence-based approach combines cash flow management with investment planning to build sustainable wealth tailored to your specific needs and life stage.
Investment Management
We implement disciplined, long-term investment strategies grounded in Nobel Prize-winning research. Our approach focuses on tax-efficient portfolio construction using low-cost, globally diversified funds. Through regular rebalancing and tax-loss harvesting techniques, we help maintain optimal asset allocation while minimizing expenses and maximizing after-tax returns for clients at every wealth stage.
Retirement Planning
Our retirement planning service addresses both pre-retirement wealth accumulation and post-retirement income management. We develop customized plans for transitioning into retirement with confidence, including Social Security optimization, required minimum distribution planning, and sustainable withdrawal strategies. The service helps clients navigate the 'retirement red zone' while maintaining tax-efficient income throughout their retirement years.
Tax Strategies
We integrate proactive tax planning into all aspects of wealth management to minimize tax liabilities. Our strategies include tax-efficient investment placement, capital gains/loss harvesting, and retirement account conversion analysis. The service focuses on reducing lifetime tax burdens through coordinated planning with clients' accounting professionals while maintaining alignment with overall financial objectives.
Wealth Preservation
Our wealth preservation service focuses on protecting and transferring assets efficiently. We help clients develop strategies for intergenerational wealth transfer, charitable giving, and legacy planning. The service includes coordination with legal and tax professionals to implement estate planning tools that align with clients' values while maintaining compliance with evolving tax regulations and legal requirements.
People
Burt Hutchinson
Wealth Manager & Partner
Certified Public Accountant and Certified Financial Planner professional with extensive experience in tax-efficient financial planning and wealth management strategies for high-net-worth individuals.
Paul LaViola
Wealth Manager & Partner
Certified Financial Planner and Chartered Federal Consultant with expertise in retirement income planning and complex financial situations for pre-retirees and retirees.
Stephen McDade
Wealth Manager & Partner
Certified Financial Planner professional specializing in evidence-based investment strategies and long-term financial planning for individuals and families.
Owen Brown
Associate Advisor
Certified Financial Planner professional providing support in portfolio management and financial analysis while working toward comprehensive client service delivery.
Kaitlyn Hartman
Client Services Administrator
FPQP-certified operations manager overseeing client services administration and supporting the advisory team with implementation of financial planning solutions.
Questions
Are you a fiduciary financial advisor?
Yes, we are 100% fee-only fiduciary advisors who always put client interests first, with no commissions or product sales conflicts.
What is your investment philosophy?
We follow evidence-based strategies grounded in Nobel Prize-winning research, focusing on long-term discipline and tax-efficient portfolio management.
How are my investments held?
Client assets are held at Charles Schwab, an independent custodian, ensuring transparency and eliminating conflicts of interest.
Do you offer hourly financial planning?
No, we focus on ongoing relationships to provide comprehensive financial guidance rather than one-time or hourly services.
How does your flat fee work?
Our $12,000 annual flat fee covers financial planning and investment management, billed quarterly and withdrawn directly from client accounts.
Can you work with remote clients?
Yes, while we have physical offices in PA and DE, we offer virtual meetings via Zoom for clients outside our local areas.
