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Who We Serve

Red Envelope Wealth Management specializes in working with individuals and families across various life situations, helping them achieve their financial goals. Learn more about how we can partner with you to design strategies to help meet your goals.

Retirees & Pre-Retirees

Wondering if your nest egg will last? We use a personalized approach to answer the key questions about retirement - when, how much, spending habits, and asset growth - so you can confidently plan for your ideal future.


Widows & Widowers

Facing a new reality? We understand the financial challenges widows and widowers face, especially women who may be unfamiliar with managing finances alone. We'll guide you through understanding your assets, life insurance benefits, and spousal support.



Divorce can be overwhelming, but you don't have to navigate your financial future alone. We'll help you gain control and build a strong financial foundation for your independent life.

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Financial Considerations
by Generation

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20's & 30's

Student Loans & Other Debt

401(K)s and other Company Retirement Plans


First Home Purchase

Insurance Review

60's & 70's

Estate Plan Update(s)

Social Security & Medicare Planning

Risk Analysis

Tax Minimization

Consolidate Accounts & Rollovers

Retire – at last

40's & 50's

401(K)s and other Company Retirement Plans


Estate Planning

Risk Analysis

Tax Minimization

Elder Care Needs

College Funding

Future Healthcare Needs

80's & 90's

Wealth Transfer Planning

Family Dynamics

Estate Tax Minimization

Charitable & Philanthropic Goals

Retirees &


The number one question Retirees and Pre-Retirees ask is, “How much money do I need to retire?” Followed by the second question, “Will I run out of money?” 

Fortunately, we can answer both questions with an analysis that includes the Four Elements of Retirement:



When you wish to retire

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How much you've saved



How much you'd like to spend



The growth of your assets

Other important factors we will include:

  • Social Security Income  

  • Rising Cost of Living/Inflation  

  • Tax-Minimization

  • Medical Costs   

  • Philanthropy  

  • Responsible Inheritance

Widows & Widowers


When you lose a spouse, it can feel impossible to think about money. Yet, within the first year or so of a loved one’s passing, you’re tasked with making decisions that may have a long-lasting impact on your future. These can include:


  • Transferring Assets

  • Inheriting Retirement Plans and Pensions

  • Claiming Spousal Benefits

  • Collecting Life Insurance

  • Updating Your Estate Planning Documents

  • Managing your finances independently


This time can be very emotional, yet objectivity is paramount. Having helped numerous widows and widowers after their spouse’s passing, I can support and guide you during this difficult time.

Plan for Your Spouse’s Future

The unfortunate reality is that one day, you or your spouse will be a widow or widower. It is encouraged that both of you plan in advance in order to minimize the financial disruption. These are difficult conversations to have, but at the same time, it is comforting to know you are prepared no matter what life may bring your way. You’ll have already made the important decisions when your emotions are calm.



Going through a divorce is one of the most difficult life transitions someone can make. It can leave you feeling uncertain about the future, and adrift in your own life. While it is a kind of death— the death of a dream, marriage, or imagined future—it's different than when a spouse passes. There are more messes to clean up: legal, emotional, spiritual and financial.


If you’re in the beginning stages of your divorce, you should gather certain information. You should also assemble a team of advisors (legal, tax, and financial) who will support and guide you through this difficult time.



While legal and financial matters will be ongoing, an equally important consideration is your emotional and spiritual health. You’ll need to think about making it day-by-day, but you should also think about longer-term plans and what may arise in the future. For example, who will pay for college expenses even if that’s many years away?



After your divorce is final, you will have a new “single” identity. You’ll want to establish, in your own name, things such as credit cards, savings/checking accounts, titles to homes, cars, financial accounts, etc. Updating your estate planning documents is also high on the list. It can be daunting, but remember it doesn’t have to be all done immediately and your team of advisors can certainly lend a helping hand.


I will help you take control of your finances independently and gain a better understanding of your financial future.

And remember: you will get through this and you will survive.

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