A risk-managed investment advisor for Southwest Florida retirees.
Momentum Wealth Planning is an independent, fee-only fiduciary based in Estero, Florida, helping people near or in retirement across Southwest Florida pursue growth while managing the risk of a major market loss — the kind that's hardest to recover from once you're living off your savings.
The closer you are to retirement, the more a big loss costs you.
Early in your career, a market crash is a setback you have decades to recover from. In the years right around retirement, the same decline is different in kind: once you're drawing income from your portfolio, a deep loss sells shares at the lows to cover your expenses, turning a temporary drop into permanent damage. Advisors call it sequence-of-returns risk. For anyone living off their savings, it's the difference between a scary year and a changed retirement — and it's the risk our entire approach is built around.
Growth while the trend is healthy. Defense when it turns.
Our approach, the Tactical Momentum Strategy, is built to do two things at once: pursue growth while the market's trend is healthy, and shift toward defense — using protective puts, covered calls, and cash — in an attempt to reduce the impact of a major decline when the trend rolls over.
It's rules-based, not reactive: driven by signals rather than headlines or emotion. And as an independent, fee-only fiduciary, we're legally bound to put your interests first — no commissions, no product sales, no hidden incentives.
Based in Estero. Serving Southwest Florida and beyond.
We work with individuals and families across the Southwest Florida corridor — and with clients nationwide. Most of our work happens by video and phone, so where you live is never a limitation.
What people near retirement ask us.
What is sequence-of-returns risk?
It's the danger that the order of your investment returns — not just the average — hurts you. A large loss in the first years of retirement, while you're withdrawing income, forces you to sell shares at low prices, which can permanently shrink how long your money lasts. The same loss years earlier, or years later, would matter far less.
How can I invest for growth without risking a devastating loss near retirement?
The goal isn't to abandon growth or to try to predict the market. It's to stay invested while trends are favorable and to have a disciplined, rules-based plan to shift toward defense — through options strategies and cash — when they aren't. That's the core of our Tactical Momentum Strategy.
What's the difference between a fee-only and a fee-based advisor?
A fee-only advisor is paid only by clients and earns no commissions or third-party compensation, which removes a common conflict of interest. A fee-based advisor can earn both fees and commissions. Momentum Wealth Planning is fee-only and a fiduciary, meaning we're legally required to act in your best interest.
Do I need to live near Estero to work with you?
No. We serve clients throughout Southwest Florida and across the country. Most communication happens through video meetings, phone calls, and secure online portals.
Talk with a Southwest Florida fiduciary about your retirement.
A conversation about your goals, your timeline, and whether a risk-managed approach fits — no pressure, no obligation.
Connect with us →Momentum Wealth Planning, LLC is an SEC-registered investment adviser located in Estero, Florida. This material is for educational and informational purposes only and does not constitute investment advice or a recommendation. Investing involves risk, including the possible loss of principal, and there is no assurance any strategy will achieve its objectives or reduce losses. Options strategies such as protective puts and covered calls carry their own risks and costs and are not suitable for all investors. Past performance does not guarantee future results.