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Financial Services
Which aspects of my financial life can you assist with?

We are here to offer guidance on essential aspects of your financial life, including retirement planning, estate planning, insurance planning, investment management, tax planning and education planning. Our team’s commitment extends beyond just focusing on your assets. We genuinely care about your comprehensive financial health and beyond, since your life is more than just a collection of financial statements.

Can you tell me more about the services you provide?

We offer a broad range of financial services. Read on for a deeper dive into how we approach the topics that best fit your goals, needs and life.

Investment Management – Aligning your assets with your risk tolerance, personal values and retirement goals is key to managing risk in a world full of uncertainty.

Estate Planning – It’s vital to protect your family wealth even after you’re gone. Together we’ll develop strategies for ideally reducing estate taxes and making sure your assets are transferred to the beneficiaries you choose.

Insurance Planning – Life, disability and long-term care insurance are critical components of overall financial planning. We will review your current plans and discuss suitable adjustments necessary to align with your changing lifestyle and circumstances.

Retirement Planning – Regardless of whether retirement is around the corner or somewhere in the distance, it functions as a comprehensive goal in most financial plans. We’ll aim to ensure you are optimizing your contributions for retirement and investing in a way that aligns with your goals and risk tolerance.

Tax Planning – Let’s work together with your CPA to ensure you’re strategically managing tax obligations. Most of our clients have high taxable income during their working years. We believe tax rates will be higher in the future. Therefore, building sources of tax-free income is a strategy we are passionate about.

Education Planning – If supporting a child or grandchild’s education is part of your dreams, we can explore the right savings strategies to get you there.

Why Gebhardt Group
What makes you different from other advisors?

At Gebhardt Group, we believe in Whole Wealth for the whole person you are. That means focusing not just on assets, but on aligning all of your financial resources with your deepest values and intentions. Our approach goes beyond traditional financial planning, delving into the intricate dynamics of your relationship with money, people and self.

What's "Whole Wealth," and why is it important?

“Whole Wealth” isn’t just about the dollars and cents—it’s about embracing the richness of life in all its forms. It’s the cozy feeling of home, the laughter shared with loved ones, the adventures waiting to be had. Understanding your “Whole Wealth” means tapping into what truly matters to you, so your finances reflect the life you want to lead.

What's financial wellness, and how can you help me with mine?

Just like physical and mental health are vital components of overall well-being, financial wellness plays a significant role in how we feel and live our lives. Whether you’re planning for retirement, saving for a big purchase or are ready to figure out what’s next in life, we’ve got you covered. We’ll help you discover the greatest priorities in your life today and how to align your financial resources to support those passions.

How do I figure out the “why” behind my wealth?

Have you ever wondered about your next big idea or saving for retirement? That’s your “why” speaking—the driving force behind your financial decisions. Finding your “why” is like discovering your compass in a sea of choices. It’s about digging deep into your hopes, dreams and values to uncover what truly lights you up. At Gebhardt Group, we’re not just number crunchers but life navigators. Together, we’ll map out a plan to help you live abundantly, not just financially but in every sense of the word.

Why You
Who can benefit from working with you?

We do our best work for thriving entrepreneurs, business leaders and professional athletes. We meet our clients at the intersection of a growth mindset and major life transitions—where the path forward is not clear, but the desire for change is profound—where money can become a tool for the freedom to explore, expand, and uncover what’s next.

What specific services do you offer for business owners and entrepreneurs?

In addition to comprehensive financial planning and wealth management through our unique Whole Wealth Journey, we offer ongoing consulting to help entrepreneurs and business leaders discover what’s next. Our clients are exquisite wealth creators who often reach the peak of financial freedom and are left asking themselves, “now what?” which reveals an often-overlooked component of wealth creation: the value of time and relationship.

We have developed a process for a deep dive into how our clients leverage their time, their unique ability, and relationships with themselves and others to uncover the answers to “now what?” and co-create with our clients a vision for what’s next.

What types of transitions or life changes do you help families through?

Major transitions can be some of the most joyous moments in life, like preparing to sell your company, seeing your child get drafted into the big leagues, experiencing the birth of your first grandchild or preparing for retirement.

At other times, they can be extremely challenging, like the death of a close family member, going through a divorce, receiving a life-altering diagnosis or being forced into retirement before you’re ready.

Major life changes often involve major financial decisions. Having us by your side to help you navigate the fog and come out confident in your financial future is invaluable for discovering what lies ahead in Life 3.0.

Nuts and Bolts
Where are you located?

Our Bay Area office is in Lafayette, CA, and our Sacramento office is in Roseville, CA. We also offer virtual meetings via Zoom for clients outside those areas. 

Are you licensed and registered to work as a financial advisor?

Yes, our team’s advisors possess all the licenses required to provide ongoing financial advice. Our advisors can provide investment advice in all 50 states.

Who else is in your professional network?

After years of close collaboration and careful selection, we’re proud to introduce clients to our network of personal advisors and professionals. These hand-picked professionals represent a multitude of fields, including a variety of attorneys who can provide legal advice, Certified Public Accountants (CPAs) for tax matters, mortgage and real estate professionals to navigate evolving property landscapes and a variety of non-financial specialists to help with everything from housekeeping to therapists for mental health support. Consider our comprehensive network as your personalized search engine. They are there to support, advise, diagnose and repair—putting time back into your hands and putting your mind at ease.

What is a fiduciary?

A fiduciary is a trustworthy, legally appointed representative who, in the world of finance, manages assets on behalf of someone else. These representatives could be individuals, like trustees or financial advisors, or they can be a company, like a bank or investment firm. Their primary duty is to put your best interests ahead of theirs, offering the highest standard of care when executing financial or investment decisions. Fiduciaries, including our team of experts at Gebhardt Group, are obligated to act with the utmost integrity, honesty and transparency. 

What are the fees associated with working with you?

There are three ways we are paid for the work we do.

First, a flat fee for financial planning covers all our services, including unlimited access and travel expenses. Fees are custom-tailored to each client and can be split into two payments (one upon agreement signing and another after plan completion).

Second, our wealth management fee, starting at 1.50% annually, is based on assets managed, with reduced rates for assets over $2,500,000. We require the commencement of a financial planning engagement prior to entering into an ongoing wealth management agreement.

Finally, we offer flat fees for ongoing consulting, which are custom fees built for each specific client. There is no requirement for financial planning or wealth management agreements. As with our financial planning fee, this includes our time, resources and all potential travel expenses associated with our engagement.

Do you have a minimum investment requirement?

We do our very best work for entrepreneurs who want more from their money and those who are seeking more than just more money. Our minimum investment requirement is $1,000,000.

How could my income affect my monthly Medicare premiums?

What you pay for Medicare is based on your Modified Adjusted Gross Income (MAGI) from 2 years prior. For example, if you enroll in Medicare for a May 1, 2024, effective date, Medicare will use your MAGI from your 2022 tax returns. For Medicare purposes, your MAGI is your adjusted gross income (line 11 of the IRS tax filing form 1040) PLUS tax-exempt interest income (line 2a of IRS form 1040).

If you’ve had a life-changing event that reduced your household income, you can request to lower the amount you will pay for Medicare Part B and Part D by submitting Form SSA-44 to Social Security.

Do I need to sign up for Medicare Part A and B if I’m still working?

If you or your spouse work for an employer with 20 or more employees, you do not need to sign up for Medicare. However, it is in your best interest to compare your employer-sponsored health plan with Medicare coverage and alternative coverage, such as a Medicare supplement or a Medicare Advantage plan.

If you or your spouse work for an employer with less than 20 employees, we recommend you talk to your employer or your company’s healthcare agent to determine if you need to sign up for Parts A and B when you turn 65.

Many people who continue to work past 65 enroll in Part A of Medicare because it is the “free” part (assuming you have paid into the Medicare system for 40 quarters). One important thing to note is that if you enroll in any part of Medicare, you can no longer contribute to a Health Savings Account (HSA).

How can private insurance help me with the costs of Medicare?

Medicare does not cover everything 100%, so people often enroll in plans to help cover the “gaps” in Medicare coverage. These plans include Medicare supplements (sometimes called Medigap plans), Medicare Advantage plans and prescription drug plans.