Member FDIC • Accounts Insured up to $250,000 Bank Routing Number: #121000358
Firstwick

Fiduciary Wealth Advice and Retirement Built for Your Family

Building and protecting wealth shouldn't require complex jargon or high Wall Street commissions. Firstwick Wealth Management pairs personalized guidance from Certified Financial Planners (CFP®) with low-cost, automated index portfolios designed to help you reach retirement with certainty.

100% Fiduciary Standard Low 0.25% Advisory Fee Traditional & Roth IRAs Free 401(k) Rollover Support
Meet Our Advisors
Certified financial advisor meeting with an older couple overlooking San Francisco
Dedicated Human Guidance Fiduciary Certified Financial Planners
Always Fiduciary

Schedule a Friendly One-on-One Phone Consultation

No pressure, no sales quotas. Speak with a fiduciary advisor about your retirement timeline and family wealth goals. Call us toll-free at 1-800-FIRST-WICK (1-800-347-7894).

Call 1-800-FIRST-WICK
OUR LEGAL PLEDGE TO YOU

The Fiduciary Difference: Your Interests Come First

Many brokerage firms employ commission salespeople who push expensive mutual funds. As fiduciaries, Firstwick is legally bound to put your best interests first — always.

Zero Commissions or Kickbacks

We never accept commissions, sales incentives, or hidden kickbacks from third-party fund managers. Our simple, transparent advisory fee means our only goal is growing and protecting your wealth.

Low-Cost Index Portfolios

We build your investments using low-cost exchange-traded funds (ETFs) from Vanguard, BlackRock, and Charles Schwab. Typical internal expense ratios average just 0.04%, saving you thousands over time.

Automated Daily Rebalancing

When market swings push your stocks or bonds off-target, our smart software automatically buys and sells behind the scenes to maintain your exact risk tolerance with zero hassle for you.

SMART ASSET ALLOCATION

Automated Portfolios Tailored to Your Timeline

Choose from three simple, proven investment strategies depending on whether you are actively saving for the future or preserving your retirement income.

Capital Preservation

Conservative Income

Designed for retirees and individuals within 5 years of retirement. Focuses on safe short-term US Treasury bonds, high-quality municipal securities, and stable dividend-paying blue-chip stocks.

  • 70% Fixed Income & US Treasuries
  • 30% Dividend Equity Index
  • Low volatility and steady income
Most Popular

Balanced Growth

The classic balanced approach. Delivers long-term purchasing power expansion while smoothing market dips with broad US, international, and investment-grade fixed income assets.

  • 60% Global Equity Index
  • 40% Diversified Bond Index
  • Ideal for 5 to 15-year horizons
Long-Term Wealth

Long-Term Growth

Tailored for younger savers and family wealth generation. Maximizes compound interest through broad exposure to 10,000+ public companies across America and 40 developed economies.

  • 85% Total Stock Market Index
  • 15% Total Bond Market
  • Maximum long-term appreciation
REAL EXPERTS ON YOUR SIDE

Meet Your Firstwick Advisory Team

Our advisors are credentialed, patient, and compensated based on client satisfaction, never on product sales.

Priya Patel, CFP

Priya Patel, CFP®

Head of Retirement Planning

With over 16 years guiding California families, Priya specializes in Social Security optimization, tax-advantaged IRA conversions, and required minimum distributions (RMDs).

James Wilson, CFA

James Wilson, CFA

Director of Portfolio Strategy

James brings two decades of institutional asset management experience to everyday investors, focusing on tax-loss harvesting and low-cost index portfolio construction.

RETIREMENT MADE SIMPLE

Traditional IRA vs. Roth IRA: Which is Right for You?

Both accounts offer powerful tax savings. Here is a clear, simple comparison to help you choose the best fit for your retirement timeline.

Feature Roth IRA Traditional IRA
Tax Advantage Tax-free growth & tax-free withdrawals in retirement Tax deduction today; taxes paid upon retirement withdrawals
Best If You Expect... Your taxes to be higher in retirement, or want tax-free inheritance for heirs Your income and tax bracket to be lower after you retire
Required Minimum Distributions (RMDs) None! You are never forced to withdraw money Must begin withdrawals at age 73
Early Principal Withdrawals Penalty-free withdrawal of your contributions anytime 10% early withdrawal tax penalty before age 59½
Annual Contribution Limits (2026) $7,000 / year ($8,000 if age 50 or older) $7,000 / year ($8,000 if age 50 or older)
Rollovers from Old 401(k)s Supported via Roth conversion Direct tax-free rollover in 3 business days
STRESS-FREE TRANSFERS

Hassle-Free 401(k) Rollover Support

Have retirement money sitting in an old employer's 401(k) plan? Our dedicated concierge team handles the paperwork so you never trigger surprise taxes.

1

Tell Us Where Your 401(k) Is

Share your previous employer's plan provider name (e.g. Fidelity, Empower, Principal). We review your plan rules for you.

2

We Coordinate the Transfer

Our rollover team initiates a direct, institution-to-institution rollover check so you never face IRS withholding taxes.

3

Invested in Low-Cost Index Funds

Your funds arrive in your new Firstwick IRA and are automatically invested in your personalized diversified portfolio.

PLAN WITH CONFIDENCE

Retirement Goal Milestone Calculator

See how regular monthly contributions can turn into a secure, comfortable monthly income throughout your retirement years.

*Assumes a starting balance of $25,000 with a historical 7.5% average annual return and a safe 4% annual retirement withdrawal rate.

Estimated Nest Egg at Retirement
$1,284,500

Projected monthly retirement spending: $4,282/mo

Social Security Estimated Addition: +$2,800/mo
Total Est. Monthly Retirement Cash: ~$7,082/mo
CLEAR MARKET PERSPECTIVE

Quarterly Market Letter & Economic Insights

Written in plain English with zero sensationalism. We help you stay calm and focused on what matters most for your family's future.

Q3 2026 Executive Review

Navigating Interest Rates and Economic Stability

In our latest quarterly report, our Investment Committee breaks down Federal Reserve interest rate trends, inflation expectations, and why a disciplined 60/40 balanced allocation continues to protect senior portfolios.