Frequently Asked Questions
Who is Dechtman Wealth Management?
Dechtman Wealth Management is a nationally recognized, fee-based financial advisory firm that has been providing financial services to the Denver community for over 34 years. We provide financial planning and investment management services to individuals and families, while always putting their best interests first. Our core objective is to serve the wealth management needs of each of our clients with the knowledge, trust and integrity that they need and deserve. We also pride ourselves on answering any financial planning questions you may have in regards to your unique financial situation.
What is our investment philosophy?
Our investment philosophy is based on a disciplined, repeatable process that has been refined over 34+ years. We establish clear, appropriate investment goals that are both measurable and attainable. Our portfolios consist of broadly diversified investments with practical expectations for risk and return. We continually strive to lower investment costs through the financial services we offer, because our Denver advisors understand that the lower your costs, the more you take home. We understand that when emotions are high, it is easy to make impulsive decisions. The greatest value we can provide is being a voice of reason when the markets are growing through a turbulent period. Our experienced investment team in Denver has successfully managed client’s assets through many different cycles over the past couple of decades so we know how to invest during volatile periods.
Who do we work with?
Whether you are a high-net-worth investor or just starting out, we have worked with clients from a myriad of financial situations over our 34 years of business providing financial services in Denver. If you are a business owner, retiree or close to retirement, a women in transition, or anything in between, we understand your needs and offer services such as estate planning and investment management to increase your wealth.
What are the fees?
Dechtman Wealth Management is a fee-based wealth management firm. Being a fee-based firm means that we only charge an investment advisory fee to manage our clients’ money, and we do not earn commissions. The fee is based on a percentage of the assets we manage and is deducted monthly. On your monthly statement you will clearly see all fees that are assessed to your portfolio in a straight forward, simple way. During the initial consultation, fees are discussed in detail to ensure that we have established an upfront relationship that is clear and transparent. Our team is always available to answer any financial planning questions you may have.
Can you help me prepare my taxes?
Our Denver advisors are trained to help assist you with anything you need regarding the financial services we offer. We guide our clients through a full range of tax planning and preparation decisions with strategies that minimize your tax liabilities, maximize your cash flow, and keep you on track to reach your financial goals. Our expertise, experience, analysis, and thorough research allow us to optimize financial opportunities to be found in existing as well as recently altered tax laws. We are knowledgeable and up to date on the tax laws and can make sense of your receipts, bills, and notices.
Can you help me with my will and trusts?
Developing a clear and thorough estate plan can protect your assets during your lifetime, and ensure your money goes exactly where you want it to upon your passing. Too often we meet with prospective clients who do not have up to date estate plans that leave themselves and their heirs vulnerable to probate, which is often costly and time consuming. Our Denver financial services team can assist you with:
- Power of Attorney
- Legacy Planning
- Asset Protection Analysis
Can you help me with Medicare planning?
Absolutely. Healthcare costs continue to increase and as you get older the decisions you make become even more important. Understanding Medicare and making sure you have the right coverage is critical for your financial situation, as well as your health. At Dechtman Wealth Management, we can assist you with this important decision as well as answering any financial planning questions you may have.
Can you help me maximize my Social Security benefits?
At Dechtman Wealth Management, we have state-of-the-art software to help you navigate the incredibly complex Social Security system and maximize your benefits. Making correct decisions could mean tens of thousands of extra dollars during your retirement. In most cases, you only get one chance to make the right choice because you don't get a "re-do" if you make the wrong decision.
What is a fiduciary?
Dechtman Wealth Management serves as a fiduciary, which means that we always act in the best interest of our clients. We take the responsibility of managing your assets very seriously and are dedicated to helping you reach your financial goals with the help of our financial services. As pledge to all our clients in Denver and across the country, we have taken the Fiduciary Oath.