Business Owners
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Max Kortegast
Wealth Advisor
CFP®
Hopwood Financial Services10740 Parkridge Blvd, Ste 150, Reston, VA 20191-5325
Languages: English
My Approach
Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.
The Clients I Serve
Retirees or Seniors
Shift your focus from wealth accumulation to cash-flow efficiency. Optimize tax brackets, income streams, and long-term liquidity needs.
Pre-Retiree
Stress-test your income plan against market downturns, inflation, and healthcare costs before you transition. Preparation builds freedom.
Major Milestones I Specialize In
Retirement Planning
Prioritize income sequencing. Map out how tax brackets, Social Security, and account withdrawal order work together to optimize cash flow.
Sudden Wealth or Inheritance
Create a boundary before taking action. Move capital to cash, mute outside pressure, and give yourself time to process before deciding.
Widowhood
Build a boundary around your decisions. Audit cash flow to ensure short-term safety, letting big moves wait for emotional clarity.
Our 7 Steps to Financial Planning
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
My Process
Navigating the transition into retirement requires more than standard investment management, it demands an integrated strategy for tax optimization, sustainable distribution planning, and long-term wealth preservation. My multi-step process is tailored specifically for professionals and pre-retirees preparing for their next chapter: 1. Discovery & Priority Alignment We start with a deep dive into your total financial picture, defining your vision for retirement, analyzing current assets, and mapping out critical timelines. 2. Comprehensive Strategy & Stress-Testing We evaluate your retirement income streams (including Social Security optimization and pension distribution rules), tax strategies (such as asset location and bracket management), and cash flow needs to ensure your plan holds up across various market environments. 3. Execution & Implementation We put your customized plan into action across investment portfolios, risk management, and estate coordination, keeping every element aligned with your overarching goals. 4. Proactive Ongoing Guidance Finally, we continuously review and adjust your strategy as tax laws change, market dynamics shift, and your personal goals evolve over time.
Disclosures
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.