Financial and Retirement Planning

Do you have a clear plan to reach your financial and retirement goals?

At Welgaard, we help you define what matters most and build a strategy to get there. Through our relationship with Avantax Planning Partners, Inc., we connect you with comprehensive financial planning resources—while ensuring your plan stays aligned with your tax situation and overall financial picture.

A More Connected Approach to Planning

Financial decisions don’t happen in isolation. Your income, taxes, investments, and long-term goals all work together.

We take a holistic approach, helping you:

  • Clarify your goals and priorities
  • Identify opportunities and potential risks
  • Coordinate a personalized financial roadmap
  • Keep your strategy aligned as your life evolves

Unlike many financial plans, our approach keeps tax strategy at the center—helping you make more informed decisions across every stage of life.

What Your Plan May Include

Your financial plan may incorporate strategies related to:

  • Budgeting and cash flow
  • Investment and long-term growth planning
  • Tax planning and efficiency
  • Education funding
  • Estate and legacy planning
  • Medicare and Social Security decisions
  • Risk management (life, disability, long-term care)
  • Retirement income and withdrawal strategies

Social Security & Retirement Income Planning

Social Security is one of the most important and often misunderstood decisions in retirement.

Rather than treating it as a standalone decision, we help you understand how your benefits fit into your overall retirement income plan. Through our coordinated approach with Avantax Planning Partners, Inc., we evaluate factors such as timing, tax impact, other income sources, and long-term goals to guide this decision within the context of your broader financial strategy.

Ongoing Guidance as Life Changes

Financial planning isn’t a one-time event. We coordinate ongoing reviews and serve as your primary point of contact to ensure your financial plan stays aligned with your tax strategy and evolving goals. As life changes, we help you adjust your plan to stay on track.

Start the Conversation

If you’re ready to take the next step, we are currently scheduling meetings to review financial and retirement planning opportunities. Let Welgaard help you move forward with clarity and confidence.

*Advisory Services offered through Avantax Planning Partners, Inc., a registered investment adviser. Securities may be offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Additional advisory services may be offered through Cetera Investment Advisers LLC. Cetera named entities and Avantax Planning Partners, Inc. are affiliated. 3390 Asbury Rd, Dubuque, IA 52002. 563-582-2855.

Check your Financial Professionals registration status on https://brokercheck.finra.org/ and/or https://adviserinfo.sec.gov/.

Cetera named entities and Avantax Planning Partners, Inc. are independent of and unrelated to Welgaard CPAs & Advisors.