Clients choose us because we offer tax-focused financial planning and asset management. Our integrated approach is designed to help clients keep more of their wealth while minimizing tax liability. It also simplifies your financial life by bringing your taxes, investments, and financial planning into one cohesive strategy.

Time is a powerful tool for investing. We match your specific income needs and risk tolerance with investments in three time segments, each corresponding to a period when the investments are expected to generate returns. As a result, you gain the opportunity to achieve consistent income as well as potential growth.

Anyone can call themselves a financial advisor, but only individuals who meet CFP Board requirements can call themselves a CERTIFIED FINANCIAL PLANNER® professional. CERTIFIED FINANCIAL PLANNER® professionals must complete comprehensive coursework in financial planning, pass an exam, gain related work experience, and follow a strict code of ethics. They are also fiduciaries, which means they are legally required to act in the best interests of their clients.

View Michael Ludwig's certification status on the CFP Board website.

We serve clients with at least $500,000 in investable assets. We would love to discuss your financial goals if this sounds like you.

We will always act for our clients, not financial incentives. That is why we charge a transparent fee for managing your investments. There are circumstances where a particular investment necessitates a commission, but we always discuss this so you will know upfront how much you will pay.

Yes, we offer a free consultation to determine whether we are a good fit for working together. During this appointment, you will tell us about your needs, wants, and goals and learn about our proprietary approach to financial planning.

You can book an appointment to meet with us virtually or in person. Our office is located at 629 S. Main St. in Lombard, Illinois.

You can do your own financial planning, and many people do. Our clients decided to work with us for many reasons, including:

• Gaining confidence and guidance to help make progress toward financial goals while avoiding potential financial mistakes.
• Clarifying their financial goals and the path to help achieve them.
• Holding themselves accountable to a financial plan.
• Freeing up time and energy to focus on other areas of their lives.
• Moderating the emotions that can come with financial planning.

We have a continuity agreement with our broker/dealer, Cetera Financial Specialists LLC. When Michael Ludwig retires, they will help our clients work with another advisor. Our clients can also transfer their investments to an advisor affiliated with another broker/dealer. As our firm continues to grow, we aim to hire a team of financial professionals who could take over the business, providing a seamless transition in the future.