Maximize Savings ~ Achieve Your Goals ~ Intensify the Fun

ONWARD ADVISERS

Independent Guide, Trusted Adviser
Transparency. Honesty. Trust. 

Onward Advisers is an independent, woman-owned, fee-only, Registered Investment Adviser, founded in 2006 and based in Castle Rock, CO

WHAT DOES MONEY MEAN TO YOU?

Is it security? Is it freedom? Is it comfort? Let's find out.

Michele Suriano

Prior to founding the firm in 2006, Michele Suriano served plan sponsors as a retirement plan adviser for Ceridian (2002-2006) and retail investors as an investment adviser with T. Rowe Price, Inc. (1999-2002). Between 1994 and 1999 she worked in the mortgage industry holding several positions including Executive Branch Manager for Transamerica Financial Services, Inc. in Colorado Springs, CO and Advanta Finance, Inc. in Vienna, VA. Her qualifications and designations include: Passed the following FINRA examinations: Series 6 (Investment Company and Variable Contracts Products Representatives) Series 7 (General Securities Representative) Series 63 (Uniform Securities State Law) Series 66 (Uniform Combined State Law).
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Individual Financial Planning Services include:

Financial Planning:

  • Determine Financial Goals
  • Analyze Client’s Risk Tolerance
  • Develop Asset Allocation and Investment Recommendations (one time or as needed)
  • Assess Life, Disability, Health Care and Long-Term Care Insurance Needs
  • Create Plan for Retirement Income
  • Evaluate Basic Tax Issues (Adviser is NOT a CPA and strongly recommends suggestions be discussed with client’s tax professional)
  • Discuss Basic Estate Planning Issues (Adviser is NOT an attorney and strongly recommends suggestions be discussed with client’s estate planning attorney)

 Retirement Planning and Investment Recommendations:

  • Analyze Client’s Risk Tolerance (i.e., computing working life expectancy, time horizon, etc.)
  • Check Client’s Asset Allocation for Over/Under Exposure to Various Asset Classes
  • Suggest Rebalance Between Asset Classes
  • Assess Quality of Investments in Portfolio
  • Suggest Alternate Investments if Applicable
  • Analyze and Recommend Investments within Client’s Employer-Sponsored Plan

 College Savings Plan:

  • Analyze Needs of College savings for Self and/or Dependents
  • Develop Plan to Achieve Desired College Savings Goals
  • Assist in Selecting, Opening, and Funding College Savings Vehicle(s)

 Insurance Analysis:

  • Analyze Life Insurance Requirements
  • Analyze Current Disability Insurance Policies and Provide Recommendations Based on Client Objectives
  • Develop Strategy for Potential Long -Term Care Needs (This may include investing/self-insuring against the possibility or transferring risk to an insurance company)
  • Analyze Health Care Insurance Needs and Current Policy Options
  • Medicare planning
  • Shop for Appropriate Insurance Policies at Client Requests (i.e., umbrella policies)

Social Security Claiming Strategy:

  • Analyze Cashflow Retirement Needs
  • Assess Social Security Benefits
  • Determine Optimal Age to Claim Social Security

Retirement Income Planning:

  • Analyze Current Cashflow
  • Determine Retirement Goals
  • Identify Cashflow Needs During Retirement
  • Explore Social Security Claiming Strategies
  • Develop Diversified Retirement Income Portfolio
  • Explore Other Income Opportunities Available
  • Determine Most Tax Efficient Drawdown Schedule

Pricing

Know with 100% transparency and clarity exactly how
much you’re paying your investment adviser,
Simple fee schedule:

Up to $5M – 0.50%

>$5M – $25M – 0.40%

>$25M+ – 0.30%

Once a breakpoint is reached, all assets will be billed
at that same breakpoint base fee

We provide a wide range of professional services to meet your needs.
We put you first and serve as your trusted partner.