Your first meeting is a conversation centered around you - your goals, your financial priorities, and any questions or concerns you have. From there, we'll determine whether we're the right fit and explain how our planning process works.
Our clients are looking for more than investment management. They value a long-term relationship, comprehensive planning, and a team that is there to coordinate every aspect of their financial journey.
We work with individuals, families, business owners, retirement plan sponsors, nonprofit organizations, and endowments. Our wealth management services are generally designed for clients with $1 million or more in liquid investable assets.
However, through our Independent Advisor Solutions, we partner with several qualified advisors who have minimum investment amounts of $250k or $500k. Their clients still receive the proactive oversight of Fragasso's investment management and a similar planning approach.
While many of our clients are in the Pittsburgh region, we work with clients throughout the country using in-person, virtual, and phone meetings.
No. We regularly work with clients remotely while providing the same personalized service and ongoing communication.
Our wealth management approach combines financial planning, investment management, retirement planning, tax-aware strategies, estate and legacy planning coordination, and ongoing guidance under one advisory relationship.
No. Investment management is one part of a comprehensive wealth strategy. We start with a financial plan in order to uncover your goals, risk tolerance, retirement timeframe, and more. From there, your investments are selected based on the outcome of your plan to make sure your portfolio is in alignment.
Yes. Our process is the same no matter if this is the first time you have worked with an advisor or not. However, if you do have statements from an existing accounts, we will incorporate them into your plan and provide a comparison.
No. Our planning process is designed to work alongside our investment management services.
Meeting frequency depends on your needs and the complexity of your financial situation. We'll stay in regular contact and review your strategy as your life, goals, and the markets evolve. Additionally, clients receive regular communications from our portfolio management representatives and our firm magazine, The Advisor.
You'll have a primary wealth advisor, but behind that relationship is a collaborative team of planners, analysts, portfolio managers, and client service professionals working together on your behalf.
Yes. Collaboration is an important part of our approach. We regularly coordinate with accountants, attorneys, bankers, and other trusted professionals to help keep your financial strategy aligned.
Once your plan is developed, we'll help implement the agreed-upon strategies, monitor your progress, review your investments, and adjust your plan as your circumstances change.
We are a fee-based advisory firm. Our advisory fee is based on assets under management and is designed to cover our comprehensive planning and investment management services.
Yes. As fiduciaries, we have a responsibility to act in our clients' best interests when providing investment advice.
Our collaborative structure sets us apart. Your recommendations aren't developed by one advisor alone, they're strengthened by the experience of multiple advisors, financial planners, portfolio managers, analysts, and specialists working together.
Yes. We are an independent, employee-owned wealth management firm, allowing us to provide objective advice focused on what's best for our clients.
We've been helping clients navigate important financial decisions since 1972, combining decades of experience with a forward-looking approach to planning and investment management.
Comprehensive wealth management is an ongoing process that brings together every aspect of your financial life. Rather than focusing only on investments, it coordinates financial planning, portfolio management, retirement income, tax-efficient strategies, estate planning, risk management, and legacy planning to help support your long-term goals. As your life changes, your strategy evolves with it.
Many people seek a wealth advisor when their financial life becomes more complex. Major life events such as approaching retirement, selling a business, receiving equity compensation, managing an inheritance, or planning for future generations are all good times to seek guidance. As liquid wealth increases, it's important to make sure your hard-earned money is working for you.
Financial planning is an ongoing relationship, not a one-time event. Most clients meet with their advisor regularly throughout the year, with additional conversations whenever significant life events or financial changes occur. Your meeting schedule should reflect your needs and help ensure your strategy continues to align with your goals.
Your first meeting is primarily about getting to know you and understanding your goals. While you may choose to bring investment statements, retirement account information, tax returns, estate planning documents, or other financial records, the most important thing is a willingness to discuss your priorities, concerns, and long-term vision. We'll guide you through any additional information needed as we move through the planning process.
Look for a firm that takes the time to understand your goals, communicates clearly, and provides a comprehensive approach to financial planning. It's also important to understand how the firm is compensated (fee transparency) and whether they act as a fiduciary. The right wealth management firm should become a long-term partner that grows with you and is reliable through every stage of life.
Financial decisions rarely happen in isolation. Investment strategies, taxes, retirement planning, estate planning, business interests, and charitable giving can all affect one another. A coordinated financial plan helps align these areas so your decisions work together, reducing potential gaps and creating a clearer path toward your long-term goals. At Fragasso Wealth Advisors, this collaborative approach is at the heart of how we serve our clients.