Frequently Asked Questions

A fiduciary financial advisor is legally required to act in your best interest.

As a fee only fiduciary firm, Peterson Wealth Management provides recommendations based on what is right for you, not what generates commissions or incentives. Our advice is objective, transparent, and focused entirely on helping you achieve your financial goals.

We work with individuals, families, retirees, and professionals who want personalized financial guidance.

Many of our clients are asking questions like:

• Am I ready to retire?
• Am I investing wisely?
• How can I reduce financial stress?
• Do I have a solid financial plan?
• How can I leave a legacy for my family?
   

If you're looking for honest advice and a long term financial partner, we'd love to have a conversation.

Our financial planning services include:

• Comprehensive Financial Planning
• Investment Management
• Retirement Planning
• Estate Planning
• Education Funding
• Income Planning
• Life Insurance Planning
• Long Term Care Planning
• Disability Insurance Planning
   

Every recommendation is customized to your goals rather than following a standard investment model.

The best time to start is before you need it.

Whether you're building wealth, changing careers, preparing for retirement, receiving an inheritance, or planning for your family's future, having a financial plan gives you greater confidence and clarity when making important decisions.

Comprehensive financial planning looks beyond your investment accounts.

It combines retirement planning, investments, tax considerations, insurance, estate planning, cash flow, and long term goals into one coordinated strategy designed around your life.

Financial planning isn't about predicting the future. It's about preparing for it.

Retirement readiness depends on more than how much you've saved.

A personalized retirement analysis considers:

• Retirement income needs
• Social Security
• Investments
• Taxes
• Inflation
• Healthcare costs
• Market risk
• Life expectancy
   

The goal is to determine whether your money can support the lifestyle you want throughout retirement.

Every retirement is different.

The amount you'll need depends on factors such as:

• Your desired lifestyle
• Retirement age
• Spending habits
• Healthcare costs
• Other income sources
• Investment returns
• Inflation
   

Rather than relying on general retirement rules, we create customized retirement projections based on your personal financial picture.

Tax planning is an important part of preserving wealth.

Depending on your situation, strategies may include:

• Roth conversions
• Tax efficient withdrawal strategies
• Asset location
• Required Minimum Distribution planning
• Charitable giving strategies
• Coordinating taxable and tax advantaged accounts
   

We work alongside your tax professional to help ensure your financial strategy considers tax efficiency whenever appropriate.

Investment management is the ongoing process of building, monitoring, and adjusting your portfolio based on your goals, timeline, and comfort with risk.

Rather than reacting to short term market headlines, we focus on creating diversified investment strategies that support your long term financial objectives.

Diversification helps spread investment risk across different asset types instead of relying on a single investment.

While diversification cannot eliminate market risk, it may help reduce the impact of market volatility over time and create a more balanced investment strategy.

Yes.

Having investments doesn't necessarily mean you have a coordinated financial strategy.

A financial advisor helps determine whether your investments support your retirement goals, income needs, tax strategy, estate plans, and overall financial objectives.

Most clients benefit from reviewing their financial plan at least once each year.

Additional meetings are recommended whenever significant life events occur, including:

• Retirement
• Marriage
• Divorce
• Selling a business
• Receiving an inheritance
• Market volatility
• Birth of a child or grandchild
   

Your financial plan should evolve as your life evolves.

Yes.

While legal documents should be prepared by an estate planning attorney, we work alongside your attorney to help coordinate your financial strategy with your estate plan.

Our goal is to help ensure your assets support the people and causes that matter most to you.

Absolutely.

Education funding is often part of a comprehensive financial plan.

We'll help you evaluate savings options while balancing your retirement goals and other financial priorities.

Your first meeting is a relaxed, no obligation conversation.

We'll discuss:

• Your financial goals
• Current concerns
• Retirement questions
• Investments
• Financial priorities
• What success looks like to you
   

It's an opportunity for both of us to determine whether we're a good fit before moving forward.

Not at all.

Many people reach out because they're looking for clarity, not because they already have everything organized.

We'll help you understand where you are today, identify opportunities for improvement, and create a plan that gives you confidence moving forward.

Yes.

Although our offices are located in Sparks and Fallon, Nevada, Peterson Wealth Management serves clients throughout the United States where registration requirements allow. Many meetings can be conducted virtually for your convenience.