Business Details
17 Years
experience
Your Partner for Fee-Only Financial Planning
Chladek Wealth is a fee-only financial planning firm dedicated to empowering clients to make educated, confident financial decisions aligned with their unique goals. Founded in 2009, we operate as fiduciaries, prioritizing client interests through transparent, commission-free services. Our team of certified professionals specializes in comprehensive financial planning, including investment management, tax optimization, retirement strategies, and insurance analysis. We serve busy families, pre-retirees, and individuals navigating complex financial transitions, offering personalized solutions that adapt to evolving life circumstances.Our virtual platform ensures accessibility while maintaining a client-centric approach, combining decades of industry expertise with a commitment to ethical standards. By focusing on long-term partnerships, we help clients build financial resilience, reduce tax burdens, and achieve peace of mind through disciplined, data-driven strategies.
Services
Comprehensive Financial Planning
Tax Planning
Retirement Planning
Investment Management
Insurance Optimization
Details
- Year established: 2009
Highlights and features
- We are Certified Financial Planners with over 15 years of combined experience.
- Our fiduciary duty legally obligates us to prioritize client interests.
- Fee-only structure eliminates conflicts of interest and hidden fees.
- Personalized financial plans tailored to family dynamics and life transitions.
- Virtual accessibility with twice-yearly reviews and urgent support availability.
Associations and certifications
- Certified Financial Planner Board of Standards
Services
Comprehensive Financial Planning
Our comprehensive financial planning service creates customized strategies that integrate investment management, tax optimization, retirement readiness, and insurance analysis. We align every recommendation with your unique goals, values, and life stage, ensuring cohesive wealth management. By continuously monitoring market conditions and personal circumstances, we help clients navigate complex financial decisions with confidence while maintaining flexibility for life's changes.
Tax Planning
We implement proactive tax planning strategies to minimize liabilities through techniques like tax-loss harvesting, Roth conversions, and strategic asset location. Our approach coordinates with retirement income planning and investment management to optimize after-tax returns. By analyzing current and projected tax brackets, we help clients reduce lifetime tax burdens while maintaining compliance with evolving regulations.
Retirement Planning
Our retirement planning service develops personalized pathways to financial independence, addressing Social Security optimization, pension management, and sustainable withdrawal strategies. We stress-test scenarios to ensure clients can maintain their desired lifestyle while accounting for healthcare costs and longevity risks. Regular updates keep plans aligned with changing market conditions and personal circumstances.
Investment Management
We construct diversified investment portfolios using low-cost, tax-efficient vehicles tailored to individual risk tolerance and goals. Our evidence-based approach emphasizes asset allocation, rebalancing discipline, and cost control. Clients receive transparent reporting and ongoing adjustments to maintain alignment with evolving financial objectives while navigating market volatility.
Insurance Optimization
Our insurance analysis evaluates life, disability, health, and property coverage to ensure adequate protection without overpayment. We help clients understand policy complexities, identify gaps, and implement cost-effective solutions that safeguard financial plans against unexpected events while balancing premium expenses with retirement savings priorities.
People
John Chladek
Founder and President, Financial Planner
John Chladek, MBA, CFP, established Chladek Wealth in 2009 after starting his career at 19. A CFP Board Subject Matter Expert and Five Star Wealth Manager awardee, he combines technical expertise with practical guidance. He graduated from the University of Nebraska and Rockhurst University, prioritizing client education and long-term relationships.
Questions
What financial planning services do you offer?
We provide comprehensive services including investment management, tax planning, retirement strategies, insurance analysis, and estate planning guidance tailored to family needs and retirement goals.
Are you legally required to act in my best interest?
Yes, as Certified Financial Planners and fiduciaries, we have a legal obligation to prioritize client interests in all recommendations and maintain a fee-only structure to eliminate conflicts.
How are your fees structured?
We operate a transparent fee-only model based on portfolio size and planning complexity, with no commissions, hidden fees, or product sales incentives to ensure objective advice.
Do you work with clients virtually?
Yes, we serve clients nationwide through virtual meetings, offering twice-yearly reviews and flexible communication while maintaining personalized service and accessibility.
Can you help with college savings planning?
We specialize in creating college funding strategies that balance educational goals with retirement savings, optimizing 529 plans and financial aid eligibility while maintaining overall portfolio health.
What sets you apart from other advisors?
Our combination of fiduciary duty, fee-only transparency, CFP expertise, and focus on family financial transitions creates a client-centered approach that prioritizes long-term relationships over product sales.
