Our Client Process - Your First Year with Us
Once you have completed our initial Modular Plan and have formally joined our family of wealth management clients, we transition into our ongoing Financial Planning, Tax Planning, Estate Planning, Long-Term Care Planning and Investment Management relationship.
First, You Will Meet with Our Operations Team
Onboarding Meetings
This process includes account opening and asset transfers, and related activities and will be conducted by our Operations Team, either Amy Van Zelst or Meghan Ciamaichela. This process may involve just one meeting, or may require multiple meetings.
How We Conduct These Meetings
Zoom or In-Person, typically takes 30 minutes to 60 minutes with one of our Operations Administrators.
Amy manages all firm operations, including the majority of our clients' service needs including, opening accounts, distributing funds, transferring in assets, and much more.
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Amy Van Zelst
Director of Operations
Meghan joined PTM Wealth Management towards the end of 2022. Meghan assists firm operations including supporting the team when needed, account opening process, distributing funds and much more.
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Meghan Ciamaichela
Operations Associate
We want to welcome you into our family of clients and give you the opportunity to get to know everyone involved with helping you achieve your financial goals.
Next, You Will Have a Series of Meetings with Our Financial Planning Team
Paul T. Murray, AIF®, ChFC®, CDFA® joined Morgan Stanley in the year 2000 and became a financial advisor because he wanted to help people live the life they desired, on their terms.
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Paul Murray, AIF®, ChFC®
Founder & President
Tyler Breder joined PTM Wealth Management, LLC at the end of 2020 after spending seven years with Vanguard as well as a brief experience with Charles Schwab.
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Tyler Breder, CFP®
Vice-President, Financial Planner
Initial Investment Meeting
Once the cash and/or investments have rolled over or been transferred into your new accounts at Charles Schwab, we discuss the final investment management considerations and recommendations.
How We Conduct These Meetings
Zoom or In-Person, typically lasts between 30 minutes to 60 minutes with Tyler Breder, CFP®, and Paul T. Murray, AIF®, ChFC® who will recap the investment goals discussed in the Modular Plan process and present our final investment recommendations. Zoom may be a convenient option for you for this meeting, as several in-person meetings will have recently taken place in the Modular Planning process.
Your 6 Month Review
In this meeting, we will review your current financial plan and ensure that you are familiar with our online platforms and paper statements. This is also a great opportunity to update us with additional information that will improve your customized Financial Plan and Dynamic Income Plan™.
How We Conduct These Meetings
Zoom or In-Person, typically lasts 30 minutes and will be hosted by Tyler Breder, CFP®.
Yearly, Ongoing Meetings with Our Financial Planning Team
Annual October/November Tax Planning
This short meeting is scheduled to present yearly options for our Guided Roth Conversions Program™. In this meeting, we review our Roth conversion roadmap and provide updated conversion amounts and related tax figures. This meeting also gives you the opportunity to update us on important news and happenings in your life.
How We Conduct These Meetings
Zoom, typically lasts between 30 minutes and 60 minutes, and is hosted by Tyler Breder, CFP®.
Ongoing annual financial plan updates will give you the opportunity to share with us new goals and "what-if" scenarios, and we constantly revise our planning models and stress tests to provide you with financial advice that is always in your best interest.
Annual Financial Plan Reviews
Our comprehensive customized Financial Plans and Guided Roth Conversion Program™ are reviewed annually in these meetings. Our goals are to improve your financial plan with constant updates and revisions, and we "stress test" several "What-If" scenarios in each of these annual meetings to ensure that you are on track to meet your goals, year in and year out.
How We Conduct These Meetings
Zoom or In-Person, typically lasting 60 minutes to 90 minutes, and is hosted by Paul T. Murray, AIF®, ChFC® or Tyler Breder, CFP®.
Ad Hoc Meetings
You may request additional meetings with any member of our staff, either over the phone, via Zoom, or in-person, at any time.
Paul T. Murray, AIF®, ChFC®, CDFA® joined Morgan Stanley in the year 2000 and became a financial advisor because he wanted to help people live the life they desired, on their terms.
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Paul Murray, AIF®, ChFC®
Founder & President
Tyler Breder joined PTM Wealth Management, LLC at the end of 2020 after spending seven years with Vanguard as well as a brief experience with Charles Schwab.
View More
Tyler Breder, CFP®
Vice-President, Financial Planner