Our Services
At Kranstuber Wealth Management, we believe your financial strategy should be as personal as your goals. Our process is built on clarity, communication, and fiduciary care — integrating every part of your financial life into one cohesive plan. Whether you’re preparing for retirement, optimizing investments, or building a lasting legacy, we’ll help you make confident decisions for every season of life.
Comprehensive Financial Planning
Financial planning is the foundation of what we do. We start by getting to know you — your goals, priorities, values, and vision for the future. From there, we build a personalized financial plan that brings together all areas of your financial life: cash flow, savings, debt, investments, taxes, and insurance.
Our planning process is ongoing, not one-time. As your circumstances evolve, we adjust your plan to stay aligned with your life and long-term objectives.
Integrated Tax-Efficient Strategies
Because taxes touch nearly every financial decision, we proactively look for opportunities to minimize tax impact while maximizing long-term growth. This may include:
Asset location strategies (where to hold investments for tax advantage)
Tax-aware portfolio management
Roth conversion planning and withdrawal sequencing in retirement
Coordinating with your CPA with the goal that every part of your financial picture works together efficiently.
Investment Management
Your investment portfolio should reflect both your goals and your comfort with risk — not just the markets. We take a disciplined, evidence-based approach to building and managing portfolios, focusing on:
Diversification across asset classes and sectors
Tax efficiency and cost control
Long-term performance aligned with your goals
We act as fiduciaries, meaning our recommendations are always made with your best interests first. Our role is to help you stay focused on your strategy and avoid emotional, short-term decisions that can derail progress.
Retirement & Income Planning
Retirement is more than stopping work — it’s about creating financial confidence for the next chapter of your life. We’ll help you design a plan with the goal for your savings to support your lifestyle, both now and decades into the future.
Our process includes:
Determining your ideal retirement income needs
Optimizing Social Security and pension claiming strategies
Structuring tax-efficient withdrawals from retirement accounts
Planning for healthcare costs and inflation
Creating a sustainable income stream designed to last your lifetime
Ongoing Partnership
Our work doesn’t end with a plan or portfolio. We believe true financial guidance means being there through every transition — new jobs, homes, children, businesses, and retirement milestones. We meet regularly to review progress, adjust strategies, and help you stay aligned with what matters most.
At every step, our goal is simple: to provide clarity, confidence, and peace of mind.