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Wealth Management:


Simplified 

How We Plan Together

Retirement Planning +

You spent a lifetime accumulating, now it is time to plan for distribution. Live the retirement you envision, maintain your desired lifestyle while maximizing your income.


Efficient Income Planning +

DO YOUR CURRENT FINANCIAL PLANNING CONVERSATIONS START, FINISH AND REGULARLY CENTER AROUND MAKING SMART DECISIONS TO MAXIMIZE YOUR SAVINGS AND INCOME? A COORDINATED EFFORT WITH YOUR FINANCIAL ADVISOR and tax planner TO CLAIM EVERY AVAILABLE TAX PLANNING STRATEGY IS essential.


Insurance and Risk Management +

THE FOUNDATION OF YOUR FINANCIAL PLAN BEGINS WITH PROTECTING WHAT YOU VALUE THE MOST. PROTECT THE PEOPLE WHO DEPEND ON YOU. PROTECT YOUR WEALTH. PROTECT YOUR HEALTH. PROTECT YOUR INCOME.


Education Planning +

Starting early and allowing compounding growth to take shape is a great way to begin investing in your childs education. But lets also have a practical discussion on what education may look like in the future and ensure your plan has flexibility to keep with the changing times.


Pension Max +

THE MULTITUDE OF INCOME DISTRIBUTION AND HEALTHCARE OPTIONS CAN BE CONFUSING. A DECISION THIS SIGNIFICANT SHOULD BE COUPLED WITH A COMPREHENSIVE RETIREMENT PLANNING STRATEGY.


Entitlement Benefits +

SOCIAL SECURITY AND MEDICARE BENEFITS ARE TERMED ENTITLEMENT BECAUSE YOU EARNED THEM. DO YOU KNOW HOW EACH BENEFIT OPTION FITS INTO YOUR broader PLAN TO PROVIDE THE MAXIMUM benefit WHILE MINIMIZING TAXES AND HEALTHCARE COSTS?


Alternative Investments +

DIVERSIFYING YOUR WEALTH INTO MULTIPLE ASSET CLASSES CAN POTENTIALLY REDUCE YOUR INVESTMENT RISKS AND PROVIDE ADDITIONAL PLANNING OPPORTUNITIES. IS REAL ESTATE ALWAYS A GOOD INVESTMENT? HOW DO YOU PROPERLY VALUE IT?


Estate Planning +

A WELL THOUGHT OUT, DOCUMENTED PLAN WILL ENSURE YOUR ASSETS ARE PROTECTED AND DISTRIBUTED ACCORDING TO YOUR WISHES WITH THE UTMOST PRIVACY. YOU PROBABLY NEED DIGITAL ESTATE PLANNING TOO. AND NO, THIS DOES NOT HAVE TO COST A FORTUNE.


Asset Management

Transparency

I will never recommend an investment I would not allocate 

my own money in. 


Proprietary products are not available. 


No compensation will be exchanged in any manner above what is disclosed, detailed and agreed upon. 


I am under no obligation to sell, meet quotas, generate commission, or any other function that does not act in your best interest.

Fees & Expenses  

Asset Based Management Expense

< $1,000,000 - 1%

> $1,000,001 - .90%

*Management expense capped at $15,000 annually.

Customized Portfolio

A diversified portfolio using low cost securities will be built according to time horizon and objective(risk), income need(yield), and account titling(tax sensitive or tax deferred).

Where is my money held?

Cecil Wealth does not take custody of client assets. Assets are held at a large independent institutional custodian. Your account information can be accessed realtime 24/7.

FAQ

Do we have to meet in person? +

Up to you. I offer the flexibility to provide virtual meetings and eSignature options to handle your planning needs. I am glad to meet in person if you are comfortable and so long as we follow social distancing guidelines.


What is the CFP® designation? +

CERTIFIED FINANCIAL PLANNER™ is a voluntary designation earned by professionals who have successfully completed a comprehensive experience, education and exam curriculum. 


CFP® professionals are held to a higher ethical practice standard above industry requirements. 


https://www.letsmakeaplan.org/why-choose-a-cfp-professional


Is there a cost for an introductory meeting? +

No! Let's talk about you, your family, your business and whatever is top of mind. We can build from there.


How do you get paid? +

To fit your life planning stage I earn compensation in the form of:

- Asset Based Management 

-Comprehensive goals based plan of action 

$300 at time of commitment; $150/month beginning day 61  

- Commission Earned for implemented planning strategy.


Do you have account minimums? +

Your account balance is not the best metric to determine if we would be a good fit to work together. After we have an opportunity to learn more about each other, we will be better able to see if we would be good business partners.


Are you a fiduciary? +

Yes, I will state in writing that the advice I am providing is solely in your best interest.


Do you earn any referral fees from tax or legal planners? +

No


Are you paid by or do you favor any vendors to sell certain products? +

No


About Cecil Wealth

My Mission:

To be your trusted business partner. 

I work with families, professionals, and businesses to plan for everything.

I will invest in you, help you leverage your personal capital, educate, and make complex financial concepts simple to understand.

I am not anchored down by the way things used to be in the financial services business. Nor do I have the baggage from how this business has been run for the past few decades. 

The days of an advisor being an individual who manages your savings, but provides minimal reciprocal value are numbered. 

Technological advances in financial services has leveled the playing field for independent advisors like myself versus larger corporate firms.  The immediate return on your investment I provide is experience. I am fanatical about treating people the right way and building lasting relationships. 

Financial planning is the easy part. Becoming your trusted partner takes time.

Your expectations for your advisor should be higher than ever. My expectations of how your financial plan should be treated are even higher.

Andrew Cecil, CFP®


I am the founder of Cecil Wealth, a full service planning practice committed to making complex financial concepts easy to understand.


I am a 2005 graduate of Penn State University.


My biggest supporters are my wife Ashley, and sons Lou and Ty. They provide motivation, focus, and keep me humble. We love experiences, travel, and sitting on the beach all day.  


When not immersed in some type of financial related information, I have a passion for entertaining family and friends, cooking, grilling, and smoking meats.

 

I am a very mediocre golfer(I shoot 84-90).

 

Lawn care, gardening, and yard work are mindless tasks I enjoy. I love mowing the lawn weekly.