Achieve Financial Peace
So which type of client are you?
We offer two service models: For the "Do-It-Yourself" feel free to use our digital advice platform to design your own investment strategy and engage us if, and whenever you like. Our traditional Wealth Management services are available for those whose needs may fall within either of the categories below.
Your retirement is as secure as your retirement income planning. During retirement you need to recreate your paycheck, which is something that we have over 20+ years experience with.
Our investment objective is simply to reduce your current investment risk, reduce the expenses that you may be paying and improve the performance within your portfolio. Therefore, if you are working with another investment firm, after we understand what you would like to accomplish, our first step is to prepare a portfolio review & comparative investment analysis for your review. Next, we will build a model portfolio based on your investment goals and income needs.
Insurance - Many people don’t realize that life insurance can be structured to accomplish a lot more than merely leaving children and family members with a death benefit payout. Life insurance can be used to provide tax deferred growth of cash, including tax free withdrawals for your future! Whether you would like to increase the value of your estate by using the cash after you have taken the mandatory Required Minimum Distribution from your IRA and/or 401(K), or achieve a higher return on cash that is idle, earning minimum interest rates, you will be impressed with what you can achieve with a well-structured insurance policy.
Annuities – It is important to understand where annuities make the most sense as an investment vehicle. Here are some of the questions that you should ask yourself: Do I want investment growth potential with or without the exposure of market risk? At some point do I, or will I ever need a guaranteed lifetime income payout that I cannot outlive? Do I have additional funds either in savings, a 401(K) Plan, an IRA or a taxable brokerage account? Do you own a variable annuity and would like to reduce your fees & expenses? If you answer "yes" to any of the questions above, then let’s have a conversation to see if there is a fixed equity index annuity that is suitable for you.
We will prepare a proposal for RFPs for Defined Benefit and Defined Contribution Plans, including investment management consulting. There is a myriad of factors which makes this type of institutional consulting need complex – regulatory, record keeping and administration, fiduciary compliance and investment selection & pricing.
Estate planning is a critical part of retirement planning. You want to make sure that your loved ones receive the assets you have accumulated during your lifetime. We are happy to partner with your CPA and Attorney to ensure that the affairs of your estate are in order.
As Seen On
Martin A. Smith, CRPC®, AIFA®
Founder and President, Wealthcare Financial Group, Inc.
Personal finance blogger of Answers About Wealth ™, Martin A. Smith is also the Founder and President of Wealthcare Financial Group, Inc. ™ a retirement planning and investment management firm that is committed to providing each client with values-based advice and custom-tailored service. The need for prudent guidance and high-quality service is also the basis for his business philosophy; "How much better it is to get wisdom than gold! And to get understanding is to be chosen rather than silver!" (Proverbs 16:16, NASB) In addition to being a personal finance blogger, Martin is a 20+ year expert in the financial services industry and specializes in Retirement Planning, investment management, and fiduciary consulting.
To serve the unique needs of high net worth individuals and family offices with more breadth and depth than what is traditionally offered by wealth management firms, Martin has completed a Master’s Degree in Commercial Real Estate Finance at Georgetown University. He has also completed several financial planning designations, the Accredited Investment Fiduciary (AIF ®) and Accredited Fiduciary Analyst (AIFA ®) designations, as administered by Fiduciary360 and awarded by the Centre for Fiduciary Studies (CEFEX).
In addition, Martin has earned the Retirement Planning Specialist (RPS ®) certification, upon completion of the "AT RETIREMENT ®" coursework; an educational program that was jointly sponsored by The Executive Education Department of The Wharton School of the University of Pennsylvania, and AXA Equitable, Inc. He has also earned the Chartered Retirement Planning Counselor (CRPC ®) designation from the College for Financial Planning in Denver, CO.
Martin makes regular media appearances, having been a guest on News Channel 8, NBC Universal Channel 4, WTOP Radio News & Business and CBS Radio. He has also been invited to teach a series of financial management educational seminars for the NBA Development League. Martin A. Smith earned his Bachelor of Arts Degree in Legal Communications, from Howard University in 1992. He later joined A.G. Edwards & Sons as a Financial Advisor where he was promoted to the position of Assistant Branch Manager. Martin splits his time between the Washington, DC and Atlanta Metro area where he is actively hiring and training new financial advisors, as well as recruiting new investment firms to join the Wealthcare Financial Group, Inc. family of firms. He and his wife, Walida have seven children.
John R. Funderburk
At an early age, John knew that his purpose in life was to serve others. His passion for service inspired him to serve in the United States Navy. Another passion that John had as early as eight year old was studying the business section of the newspaper, which led to his intrigue in finance, i.e. "stocks and bonds." As his knowledge of the stock market and economy grew, so did his interest in educating others about personal finance. Since "service" was already a core value of John's, as career in the financial services industry was a logical and natural fit for him. He relishes being able to pursue his interests in security and technical analysis, economics and portfolio construction for his clients, while also providing much needed financial literacy support others. John is active in his local church, he is a father of five, he has two adult daughters, a son and two beautiful adopted daughters. He and his wife Valerie live in Frederick, Maryland.
Tariq A. Khan
Tariq A Khan, is a financial advisor who brings many years of experience in financial and retirement planning, including capital management, risk assessment, and specialized trading strategies to serve to needs of his clients. Additionally, through Wealthcare Financial Group, Inc. Tariq has expanded firm growth opportunities by leveraging digital technology on behalf of clients, providing the most technology forward solutions in an rapidly evolving industry.
AFCPE® Vice-President, Wealthcare Financial Group, Inc.
Sean earned his Bachelor of Business Administration Degree in Finance from Howard University in 1987. He has spent over 30 years in commercial banking, with an emphasis in consumer and small business lending. Sean advocates for greater financial education within social and faith-based organizations in the metro DC area, and he teaches and works with a variety of non-profit organizations to promote financial literacy.
Over the course of his career, Sean has seen the powerful impact financial literacy has in elevating individuals and families from poverty to prosperity. He is passionate about helping people learn to effectively handle money, credit, debt and risk. He has worked diligently to help create empowered communities while building individuals’ financial dignity. Real financial dignity allows everyone the opportunity to be self-sufficient, with the fundamentals to build their own businesses, buy homes, increase credit, and make better investment decisions.
As an Insurance Advisor with Wealthcare Financial Group, Inc. Christopher London has proven himself to be a polished professional who provides exceptional service to clients, in spheres both political and corporate. The possibilities of this role have not been lost on him, in that, he is not only able to create quality engagements for clients, but is also able to navigate their needs, add value, and create new opportunities. His customized value-added approach stems from his extensive experience in management, hospitality, and more than 16 years in finance.
As a former Financial Consultant with A.G. Edwards & Sons, Inc., he has held the Accredited Asset Management Specialist (AAMS) certification, obtained from the College of Financial Planning.
With more than 25 years of professional experience, Mr. London has maintained a sure commitment to serving others. This is seen through his many philanthropic endeavors. He has volunteered with such groups as NSAL and has done seminars/workshops and training for Capital One, Booz Allen, Fannie Mae, Howard University School of Medicine, the Maryland Department of Transportation, Sasha Bruce Youth Works, The Maryland Public School System, the National Capitol area YMCA, and the Economic Training and Development Institute of which he has received awards for his outstanding commitment and support of the community. Currently he serves on the board of the NICE foundation and teaches financial literacy pro-bono to students at the Duke Ellington School of the Arts.
Marcus L. Ward
Marcus is a Howard University alumnus, former Morgan Stanley Financial Advisor Associate, and currently licensed in annuities and life insurance with Wealthcare Financial Group, Inc. With over 20 years of experience in the field, Marcus has proven himself by winning the Rising Star Award and the 1st Place Customer Service Award before joining Wealthcare. Armed with a wealth of knowledge, Marcus has presented over 100 personal finance educational seminars over the course of his career with other financial institutions.
Marcus is committed to helping you with custom wealth-building strategies to quickly implement in your life, reach your financial goals, and protect your retirement nest egg. He delivers risk management solutions to high net worth clients, business owners, and small businesses. "The plans of the diligent lead to profit..." Proverbs 21:5 (NIV)
Outside of business, Marcus is a current SAG actor in productions like The Wire, VEEP, House Of Cards, SALT and Limited Partners. Marcus is a former U.S. Marine who served in Operation Desert Storm. He enjoys spending time with his lovely wife Eva, their precious baby girl and their pet dove, named Love.