Business Details
19 Years
experience
Your Trusted Partner for Retirement Planning & Wealth Management
Davis Wealth Management is an independent, privately owned advisory firm dedicated to serving clients' best interests through custom investment advice and financial planning services. Founded in 2007, we specialize in retirement planning, estate planning, tax strategies, and wealth management for individuals and families. Our team of experienced fiduciaries combines personalized service with comprehensive solutions tailored to each client's unique financial lifecycle.We maintain Series 65 licensing and insurance credentials while prioritizing transparent communication and long-term relationship-building. Our Concord, NH-based practice emphasizes education, risk management, and strategic asset allocation to help clients achieve financial security. We operate under strict fiduciary standards, ensuring all recommendations align with clients' goals while maintaining full disclosure of fees and potential conflicts of interest.
Services
Retirement Planning
Estate Planning
Tax Planning
Investment Management
Social Security Maximization
Insurance Planning
Details
- Year established: 2007
Highlights and features
- We operate as licensed fiduciaries with Series 65 certification
- Our team has over 40 years combined experience in financial planning
- We offer personalized strategies for all phases of financial lifecycle
- We maintain transparent fee structures and full regulatory compliance
- We provide educational resources for retirement and wealth management
Associations and certifications
- Registered Investment Advisor
Services
Retirement Planning
Our retirement planning services help clients create comprehensive strategies for their post-career years. We analyze current financial status, projected income needs, and risk tolerance to develop personalized plans that address income sources, tax implications, and asset distribution. Our approach considers all phases of retirement including accumulation, distribution, and preservation. We help clients understand Social Security optimization, pension options, and sustainable withdrawal strategies to ensure financial security throughout retirement.
Estate Planning
Estate planning services focus on managing and transferring wealth according to clients' wishes. We help create strategies that protect assets during life and ensure proper distribution after death. Our approach includes analyzing wills, trusts, power of attorney documents, and beneficiary designations. We work with clients to minimize estate taxes, establish guardianship arrangements, and create contingency plans for incapacity while ensuring compliance with current legal requirements and tax regulations.
Tax Planning
Our tax planning services aim to minimize clients' tax liabilities through strategic financial arrangements. We analyze current and projected tax situations to develop efficient strategies that consider retirement accounts, investment vehicles, and income sources. Our approach includes optimizing tax-deferred accounts, implementing tax-loss harvesting techniques, and coordinating with tax professionals to ensure comprehensive planning that aligns with overall financial objectives while maintaining regulatory compliance.
Investment Management
Investment management services provide customized portfolio solutions based on individual goals and risk tolerance. We develop diversified investment strategies that consider time horizons, income needs, and market conditions. Our approach includes ongoing monitoring, rebalancing, and performance evaluation while maintaining transparent communication about investment decisions and market impacts on clients' financial objectives.
Social Security Maximization
Social Security maximization services help clients optimize their retirement benefits through strategic claiming decisions. We analyze various claiming scenarios considering spousal benefits, survivor options, and tax implications. Our approach considers individual circumstances to determine optimal claiming ages and coordination with other income sources, ensuring clients receive maximum benefits while aligning with their overall retirement income strategy.
People
Stephen G Davis
Chief Wealth Advisor
Stephen Davis founded Davis Wealth Management in 2007 and transitioned ownership in 2022 while remaining actively involved. He holds Series 65 and insurance licenses, focusing on wealth preservation strategies. With over 15 years of experience, he continues guiding clients through complex financial decisions.
Sean P Tole
Principal and Co-Chief Wealth Advisor
Sean Tole has over 25 years of financial advisory experience and shares leadership with Steve Davis. A Fordham University graduate, he specializes in retirement planning and investment strategies. He holds Series 65, 7, 63, and NFA Series 3 licenses, providing comprehensive financial guidance to clients.
Deborah C Cmar
Director of Client Services
Deborah Cmar brings 45 years of client service experience and holds a New Hampshire Insurance License. She manages client relations and insurance services, ensuring smooth operations while providing personalized support to clients throughout their financial planning journey.
Lois H Davis
President of Operations
Lois Davis has been with the firm since its founding in 2007, overseeing accounting and operations. With a degree in Accounting from Plymouth State College, she ensures efficient back-office operations while maintaining client-focused service standards.
Shannon Grant
Customer Service Specialist
Shannon Grant joined in 2023 with nearly 20 years of financial services experience. A Franklin Pierce University graduate with Latin Honors, she specializes in client relationship management and operational support, bringing technical expertise and personalized service to client interactions.
Questions
What retirement planning services do you offer?
We offer comprehensive retirement planning including income strategies, tax optimization, estate planning, Social Security maximization, and investment management tailored to individual needs.
Are you fiduciary financial advisors?
Yes, we operate as licensed fiduciaries with Series 65 certification, always putting clients' interests first in investment advisory services.
How do you approach financial planning?
Our four-phase process includes discovery, strategy development, implementation, and ongoing monitoring to ensure plans adapt to changing circumstances and market conditions.
What areas do you serve?
While based in Concord, NH, we serve clients throughout New Hampshire and beyond through virtual and in-person consultations.
How are your services priced?
We maintain transparent fee structures with clear disclosure of all implementation and management charges for our financial planning services.
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