Nicholas Bunio

Financial Advisor

CFP®, RMA, CES

Retirement Wealth Advisors89 Locks Farm Ln, Downingtown, PA 19335-4983

Languages: English, Russian

My Approach

Want my help? I always conduct free, 30-minute strategy call. On this informal call, we break the ice and get to know each other (who you are as a person & what your future goals are). I do this because I believe in building trust first. And then we can strategize to begin to create a retirement action plan. Remember, you're never a "number" to me! MY PERSONALITY: I'm easy going and love to laugh since, let's face it, most people would rather see their dentist than speak to a financial advisor! I'm passionate about what I do! 🐶 PS- I love my German Shepherd, Crystal. And I also love playing golf, stargazing, playing chess, cooking & reading 😊

The Clients I Serve

Government & Military, Physicians & Healthcare, Pre-Retiree, Retirees or Seniors, Single Parent, Teachers & Educators, Working in Retirement

Major Milestones I Specialize In

Early Retirement or Financial Independence

You have to know if you have enough to retire early since most pensions aren't kicking in yet and certainly neither does Social Security.

Also: Career Changes or Job Loss, Caregiving for Aging Relatives, Compensation Changes, Death in the Family, Divorce Planning, End of Life and Legacy Planning, Retirement Planning, Sudden Wealth or Inheritance, Widowhood

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

✅I want to help you, so let's break the ice! Sign up now for your FREE, 30-Minute, Retirement Strategy Call using my calendar link! ✅ MY STORY: My grandmother was taken advantage of by an "advisor" while she was retired. This person was not a fiduciary and did not act in her best interest. She lost tens of thousands of dollars and had years of heartache! I knew I never wanted someone else to have to go through this. This is why I devote my career to retirement planning. While my grandmother is no longer with us, I know everyday I'm helping my clients to retire better! WHAT I DO: 📈 First, I only help those who want to be helped! I won't annoy, hound or beg for your business! I’m also a CERTIFIED FINANCIAL PLANNER® helping teachers, doctors, nurses & federal workers (50+) to retire right. Including, what to do with their free time! HOW I HELP: 👍 As a fee-based advisor, I strive to educate my tight-knit group of clients to help them to retire right. Everyone's retirement is unique, which requires careful, tailored advice to help answer questions like: ✔️Are you a fiduciary? Does your advice come with conflicts of interest, hidden fees, and is appropriate for me? ✔️Do I have enough to retire now or years later? How long will my assets last? ✔️When should I (and my spouse) start Social Security? ✔️How do I get income from my assets? Is my asset allocation appropriate for me (and spouse)? ✔️How do I lower my taxes? Is a Roth conversion appropriate? ✔️How much will healthcare cost me and my spouse? What about long-term care and Medicare? ✔️What will happen when I'm gone? Will my spouse be OK? How do I give money to my family and/or charity responsibly? I'm always proud to answer these questions, because I know my advice benefits my clients. I also strongly believe in educating my clients as to the pros and cons to any investment or financial decision.

Disclosures

Investment Advisory Services are offered only through RWA (part of Brookstone Wealth Advisors and Brookstone Capital Management), an SEC registered investment advisor. Insurance is only offered through Bunio Consulting. Neither firms are affiliated. Neither RWA, Bunio Consulting nor Nick Bunio are endorsed by the Social Security Administration or any other government organization. Neither provide tax or legal advice. Registered Investment Advisors and Investment Advisor Representatives act as fiduciaries for all of our investment management clients. We have an obligation to act in the best interests of our clients and to make full disclosure of any conflicts of interests, if any exist. Please refer to our firm brochure, the ADV 2A item 4, for additional info. CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S.

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.