Business Details
14 Years
experience
Trusted Financial Advisers for Retirement Planning
Wickford Wealth Management specializes in creating customized financial plans and investment portfolios for clients nearing or in retirement. Based in North Kingstown, we serve clients throughout Rhode Island and beyond, building long-term personal relationships while prioritizing clients' best interests. Our founder Joseph Kolb operates as a fee-only fiduciary and Certified Financial Planner (CFP), legally obligated to provide unbiased advice without commissions. With over a decade of experience, including five years at a registered investment advisory firm, Kolb brings extensive expertise in retirement planning, cash flow management, and risk assessment.We coordinate with accountants, attorneys, and insurance providers to ensure comprehensive financial strategies, offering at least two annual meetings to review goals and adjust portfolios according to life changes. Our fee structure is based on a fixed percentage of managed assets, starting at 0.75% and decreasing with higher asset levels, ensuring transparency and alignment with client interests.
Services
Retirement Planning
Portfolio Management
Tax Planning
Social Security Planning
Estate Coordination
Details
- Year established: 2012
Highlights and features
- We operate as a fee-only fiduciary with no commissions or conflicts of interest
- Our founder holds the Certified Financial Planner designation with rigorous ethical standards
- We provide personalized retirement strategies tailored to individual financial complexity
- We coordinate with your existing legal and accounting professionals for comprehensive planning
- Our fee structure decreases with increasing asset levels, promoting long-term growth
Associations and certifications
- CFP (Certified Financial Planner)
Services
Retirement Planning
We develop comprehensive retirement strategies tailored to individual financial situations. Our approach covers cash flow analysis, tax optimization, and income sustainability. Clients receive ongoing portfolio adjustments and regular strategy reviews to ensure alignment with evolving life goals and market conditions.
Portfolio Management
Our investment strategies focus on long-term growth and risk management. We create diversified portfolios based on clients' risk tolerance and financial objectives. Continuous monitoring and quarterly performance reviews ensure optimal asset allocation throughout market cycles.
Tax Planning
We implement tax-efficient strategies to minimize liabilities and maximize wealth preservation. Our approach includes income tax planning, retirement account optimization, and coordination with clients' accounting professionals. Strategies are regularly updated to reflect changing tax regulations.
Social Security Planning
We optimize Social Security claiming strategies to maximize lifetime benefits. Our analysis considers spousal benefits, delayed retirement credits, and tax implications. Recommendations are integrated with overall retirement income planning.
Estate Coordination
We collaborate with legal professionals to develop estate plans that ensure smooth wealth transfer. Our services include beneficiary designation review, trust coordination, and legacy planning strategies that align with clients' personal and financial objectives.
People
Joseph Kolb
Founder & Certified Financial Planner
Joseph Kolb is a CFP professional with over a decade of experience in retirement planning. He founded Wickford Wealth Management in 2012 after five years at a registered investment advisory firm. Kolb holds a business degree from Southern New Hampshire University and maintains rigorous continuing education requirements.
Questions
What services do you offer?
We provide comprehensive retirement planning, portfolio management, tax optimization, Social Security strategies, and estate coordination services tailored to individual financial situations.
Are you a fiduciary?
Yes, we operate as a fee-only fiduciary with a legal obligation to prioritize clients' best interests without commissions or conflicts of interest.
How are your fees structured?
Our fees start at 0.75% of managed assets annually and decrease with higher asset levels, ensuring alignment with clients' long-term financial growth.
How often do you meet with clients?
We conduct at least two meetings annually to review financial plans and adjust portfolios, with unlimited access for additional consultations as needed.
How do you coordinate with other professionals?
We collaborate with clients' accountants, attorneys, and insurance providers to ensure comprehensive financial strategies that address all aspects of their financial lives.
