welcome tO REVISIONIST WEALTH & REVISIONIST WEALTH ADVISORS

We Provide Boutique
Tax-Efficient
Retirement Planning and
Investment Management.

>>> with 3 Individualized Ways to Engage <<<

We serve local families and select clients across the country so they can Reduce Taxes, Invest Fearlessly, and Retire Well.

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Boutique Tax-Efficient Retirement Planning and Investment Management

Partnership & Respect

You worked HARD to get to retirement, and what you built means the world to you and your family. We respect that, and enjoy working closely with good people to help them make excellent decisions as they approach and actively live  their retirement years.

Dependability

Dependability & Protection go a LONG WAY in Retirement. Most folks want to ensure that the dependability they had when they were working continues when they are retired.

The Tax Piece

A major component of any retirement and investment plan is the TAX component. With our expertise and proactive focus on educating about taxes, how each and every move in retirement has a tax consequence, you can act on a plan to reduce your taxes through your retirement.

What We Do

Retirement & Income Planning

Insurance & Annuity Expertise

Investment Management

Tax Aware
Advice

Coordination with other Important Professionals

Our Personalized

Unique Approach

Investments are not the only thing that matters when it comes to your retirement.

Dependability, security, a focus on taxes, navigating Medicare, Social Security, fair pricing, transparency, communication.

These things are what matter.

These are the things you will be making important decisions about.

And your decisions SHOULD NOT be made under sales pressure. (a common trait in the financial service industry).

So we built a business to share our expertise with clients, with 3 individualized ways to engage.

Our work includes offering guidance and advice regarding investment and income decisions, lowering investment fees, expertise around insurance and annuities, being transparent and fair with what you pay us, and proactively working to lower what you pay in taxes throughout your retirement.

We have fun doing what we do, because it makes a difference in people's lives!

Who We Serve Best

It's getting close...

If you can count on one hand the number of years UNTIL you retire (or the number of years you HAVE BEEN retired), we specialize in the things you should be focusing on.

Appreciate Planning & Advice

We enjoy working with GREAT PEOPLE who appreciate the true value of our services, and appreciate that we deliver them in a fair manner.  We enjoy having long-lasting, healthy relationships with each of our clients.

"Savers"

Our clients are “SAVERS”, and we respect that.  While our clients would hardly consider themselves to be “rich”, thanks to a lifetime of hard work and disciplined saving, they have often accumulated sizeable wealth.

Folks who recognize "the shift"

Living off your savings is not the same as saving into your savings.  We work best with folks who realize that the success of their retirement is MUCH TOO IMPORTANT to be going it alone, and who understand the VALUE OF HAVING EXPERT GUIDANCE, guidance that offers specialized, customized, detailed, actionable advice (delivered in a way that makes sense).

Investment Philosophy

Our investment philosophy is built upon the use of low-cost index funds
designed to match the returns from stock and bond markets,
with Principal Protection and Income Guarantees built in where you want them.

The

Leader

Bryan McCloskey, MS, CASL®

Investment Advisor, Retirement Advisor
National Social Security Certificate Holder

For over a decade, Bryan has helped hundreds of families make informed decisions, avoid costly mistakes, lower their taxes, increase their estate size, and find money falling through the cracks in their planning so they could re-direct those dollars to things they care about.

Bryan has his Master’s degree, along with advanced designations within the financial planning field, and is a perpetual student, continuing to learn and grow as the world changes so he can always give more to the clients he is honored to serve.  

Bryan lives in Downingtown with his lovely wife, Annemarie and their beautiful daughter, Madelyn.

The Team

Tom Suvansri, MBA

Investment Advisor Representative
Life Insurance Specialist

Julia Braum

Client Service Advocate

3 Individualized Ways you can Engage

How we work together is based on what you want, as well as what you need.
You can leverage our expertise in one of 3 ways:


Account Focused Relationship

Account focused expertise and implementation for
Insurance & Annuity Accounts



Bundled
Retirement Planning & Investment Management

The Comprehensive
"Make sure I'm hitting all the bases in Retirement" Bundle

Flat Fee of $6,000/year,
payable from your accounts
(note: Fair Flat-Fee NOT not based on size of your accounts!)

Planning, Expertise, and Advice on all of these areas and more:

  • Retirement Planning
  • Cash Flow Analysis
  • "What If" Scenarios
  • Social Security Strategies
  • Net Worth Statement
  • Insurance Needs Analysis
  • Tax Optimization Strategies
  • Planning for Medicare and Healthcare Costs
  • Risk Profile Assessment
  • Investment Management
  • Low-Cost Investments
  • Tax Efficient Investments
  • Transparent Fees
  • Portfolio Rebalancing
  • Proactive Tax Planning
  • Tax-Optimized Portfolio
  • Tax-Loss Harvesting
  • Charitable Giving Strategies
  • Wealth Transfer Strategies
  • Estate Planning
  • Protect Your Assets
  • Beneficiary Review
  • Life Insurance Review
  • Gifting Strategies
  • ...and More!

Retirement Planning Only Package

Comprehensive Analysis and Plan without ongoing Investment Management

$6,000/total
(1/6 down, balance paid upon completion)

Series of 5-6 meetings.
You get guidance, analysis,
strategy and deliverables.

You implement on your own.

Planning, Expertise, and Advice on all of these areas and more:

  • Retirement Planning
  • Cash Flow Analysis
  • "What If" Scenarios
  • Social Security Strategies
  • Net Worth Statement
  • Insurance Needs Analysis
  • Life Insurance Review
  • Tax Optimization Strategies
  • Planning for Medicare and Healthcare Costs
  • Investment Analysis
  • Risk Profile Assessment
  • Wealth Transfer Strategies
  • Beneficiary Review
  • ...and More!

Our Process / What You Can Expect

Before We Do Anything: 15-min Introductory Phone Call

Before committing your time or ours, this 15-minute phone call will give us both a chance to make sure your situation matches our expertise.

(After all, you wouldn’t see a foot doctor if you needed heart surgery!)

If we determine that we should talk further, we'll schedule a time for our First Meeting.

If we determine that we wouldn’t be a good fit for each other, we will gladly recommend you look at a firm who is better suited to your needs.

First Meeting (in-office or virtual)

The goal of this meeting is to get perfectly clear on what you are looking to accomplish, what concerns or fears you have, and to understand your unique financial situation.

This is called "Discovery".

Everybody has their own path, there are no cookie cutter prescriptions.

At the end of this meeting, we want to be clear about whether meeting again would benefit you or not.

If so, we schedule our Second meeting.

If not, we graciously respect each other's time and say "Thank You" for the time we invested up to this point.

Second Meeting (in-office or virtual)

During this meeting we will explain, in plain English, exactly what you need to do to achieve your financial goals, and will include answers to the pertinent items you helped us identify in our first meeting. This is where you will see, in a powerful “One Page Plan”, the summary of our observations and possible action steps for you.

This is also where you will see, in dollars and cents, if our firm can improve your finances. If it can, at the end of this meeting we will ask if you would like to begin working with our firm.  

Even if you say “Yes”, we will say, “Give it a Day” to be sure, and schedule a brief call a few days out to confirm.

Our “Give It A Day” Approach

Having been in business for over a decade, and not appreciating when pressure is put on me to make a decision of any sort (let alone a decision about such an important relationship like ours), I am in no rush for you to make a decision.

Prior to deciding whether we should work together, you will want to answer the following questions for yourself:
     Do I like, trust, and respect the team at Revisionist Wealth?
     Will the benefits provided to me exceed the cost?
     Do I understand and agree with Revisionist Wealth's philosophy?
     Do Revisionist Wealth's recommendations make sense to me?

And keep in mind, while we would love to work with you, if you decide that it’s not a good fit, we will wish you all the best and every success.

In other words, there is never a hard-sell or pressure to say yes.

Once you are ready to go...Let's Engage! (in-office or virtual)

Once we know the path that fits best for you to engage with us, we'll get to work and implement it for you and with you.

This is where we have the most fun and most impact, and it's also where the most important work gets accomplished.

We'll work with you and keep you informed each and every step of the way. We truly appreciate and respect each and every one of our clients, and we are honored to partner with them to do such important work for them, work that impacts them and the things they care about!

“I wanted this business to benefit the good people I work with, not Wall Street or Big Financial Companies.
That's why I built it the way I did!”

Bryan McCloskey, Owner, Lead Advisor at Revisionist Wealth

“Retirement can be complicated. So nothing brings me more joy than making things easier for a client, and making our interactions enjoyable.”

Julia Braum, Client service Advocate

“The certainty and dependability we bring to folks is incredibly rewarding.”

Tom Suvansri, Life Insurance Specialist

Frequently

Asked

Questions

How is Revisionist Wealth different from other advisory firms?

With our extensive knowledge and experience in Retirement Focused Planning and Advice, along with our earned expertise with Life Insurance and Annuity type accounts, we are different because we specialize and don't take everyone on as a client. We have to see that we'll make a difference in the lives of the clients we work with.

We are an independent company, not beholden to the fees and processes that other Industry Broker-Dealers force on their clients. Our compensation (read "Fee") structure is different as well, set up so that the size of your account doesn't dictate the advisory fee you pay.  

We created a Comprehensive Flat Fee Model for Advice and Investment Management, and also created two other paths you can engage us on (Account Only or Plan Only) if that's what you want or is best for your unique situation. (See the "3 Individualized Ways you can Engage" section above for more details on all 3 options)

Can Revisionist Wealth help younger clients (ie: those younger than 58yo)?

Although our Team Leader, Bry the Retirement Guy, specializes in helping folks approaching and currently in retirement, one of our Team Members, Tom Suvansri, specializes in working with clients who are still in the early to mid years of Accumulating Wealth for retirement. So we can guide younger clients on their path with our expertise.

How would I know which way I should engage or work with Revisionist Wealth?

Our Introductory Call and First Meeting are the parts of our process where we help you determine if we can help you, how we can help you, and which path to engage would work best for you. Plus, with our "Give it a Day" approach, you're not pressured into making a decision before you know it is the right path for you.

What is your investment philosophy?

For market based investments, we believe and focus on the proven use of low-cost index funds designed to match the returns from stock and bond markets. In our opinion, the primary goal of market-based investing should be to harness the power of financial markets – not try to outguess them. Much of the investment industry tries to sell stock-picking and market-timing (i.e. active management) to justify their fees, yet, over 70 years of peer-reviewed, empirical research shows that investors chasing individual stocks almost never achieve positive long-term portfolio performance.

Instead of this common industry approach, we utilize an evidence-based approach that focuses on diversification, discipline, minimizing costs, and reducing taxes. This minimizes risk and allows investors to capture their share of the returns the market generates.  Most importantly, structuring a portfolio in this way gives clients the best chance at reaching their financial goals.

In addition, we also believe in the role insurance type accounts play for Productive Principal Protection, Dependable Income, and Tax purposes. So we guide clients to implement and build those in where they want them.

Do I have to live locally to work with Revisionist Wealth?

No.

Although our primary market is in the Philadelphia Metro Area, and our office is in Downingtown, PA, we harness technology to work remotely with clients who live further away, and with select clients across the country.

How do I get started with Revisionist Wealth?

The first step is for us to have a brief, free 15-minute Introductory Call to determine if our expertise matches your needs and what you are looking for.  (See Our Process/What You Can Expect section above). You can look for a time to schedule your call here.  

If you’re not yet ready to get started but have a question, just send us an email, and ask what's on your mind. Email us at: info@revisionistwealth.com

Do You Offer Tax Filing Services?

We offer Proactive Tax Strategy for clients, since just about every retirement and investing move has a tax consequence or consideration. (and is most noticeable in Retirement!)

We are not CPA's, nor do we file taxes for clients, yet we have specialized tax knowledge around the areas that most impact retirees and near-retirees. We analyze and review client taxes, and build tax sensitive strategies into all of our work with clients.

Do you offer advice on Social Security and other important Retirement Topics?

Yes.

This is our specialty, our "wheelhouse" as they say.

Many of the decisions you make around Social Security income, Medicare, pensions, retirement accounts, insurances, taxes and more make a major impact in the success of your retirement plan. We have the expertise to help in all of those areas, and refer out for specific implementation when necessary.

What are your fees?

The fees for our Bundled, Retirement Planning & Investment Management path are NOT based on a percentage of your investment assets. All clients pay us the same low-cost and transparent Flat Fee of $6,000/yr (charged quarterly) payable from their accounts. With this package, you get full-service investment management and advice regardless of the size of your investment portfolio.

We also have an Account Only relationship, where there are no fees assessed for setting up and helping you manage the account.  Compensation to Revisionist Wealth comes from the account custodian in the form of commissions in each case.

We also have a Retirement Planning Only Package, which includes a Comprehensive Analysis and Plan without ongoing Investment Management.  This is offered for $6,000/total.  1/3 down, balance paid upon completion.

(See the "3 Individualized Ways you can Engage" section above for more details on all 3 options)

How can you charge such low fees?

We think our fees are fair.

The real question is not why our fees are so low, but rather, why are the majority of other investment advisers charging three to four times our fees? What are they doing for those high fees?

A typical investment adviser would charge you fees of approximately 1% or more of the value of your investment assets annually. Those fees can easily add-up to tens, if not, hundreds of thousands of dollars of fees paid to an advisor. With fees that high, investment advisers need to achieve higher returns (meaning more risk) to make up for their high fees to simply match the performance of the stock and bond market returns net of their fees.

Thanks to our philosophy and our unique approach, we are able to keep more of our clients' hard-earned money, in the pockets of our clients!

Where will my accounts be held?

We use Betterment Securities as the custodian for our client’s market-based assets. Betterment administers more than $33 Billion in assets. As custodian, Betterment Securities holds your funds and provides reporting to you and the IRS. Your accounts can be viewed at any time at https://www.betterment.com/.  

Any fixed or insurance-based accounts are held at each insurer, respectively, and each insurer has its own client portal and handles the appropriate reporting for those accounts.

Will I have online access to my accounts?

Yes.

Each and every account will be accessible to you through the secure online portal provided by the custodian where it is housed.

You will also have secure online access to your plan and variables, and have the ability to connect your account values there, in real time, for planning and review purposes.

Contact Us

Address

107 E. Lancaster Ave., Suite 102
Downingtown, PA 19335
       in the Work2Gether office space

Phone

484.517.4422