facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog external search

—  Prelude Financial, LLC  —FINANCIAL PLANNING & INVESTMENT MANAGEMENT

Schedule A Meeting


ABOUT



Prelude Financial is a young and nimble, yet highly sophisticated wealth management firm with the belief that with the right guidance you can live your best financial future. I dig deep to understand my clients’ circumstances, concerns and goals, proposing answers to enhance your financial success. Providing unbiased advice focused on my client’s best interests, I sort the entire marketplace to recommend tailored solutions at the most reasonable cost. 

I am a fee-only financial planner, which means that clients pay us to help maximize their wealth. My firm does not receive commissions, bonuses or incentives from other institutions for referring their services. I work comprehensively to integrate all facets of my client’s financial life. Further, I work as a adept coordinators when issues arise that require us to call on outside experts – from your team of trusted advisors or from our network of specialists in diverse disciplines.

Tax Efficient

I maintain a keen eye on the tax efficiency of your plan to improve the overall success of your planning. By integrating advanced tax planning with your financial plan we are able to look at all opportunities available to you to maximize your efforts.

Fee-Only

I am only compensated by you. This transparent fee structure ensures I provide objective advice with your best interest in mind. I have no products to sell, receive no commissions and have no hidden fees.

Transparent

Transparency is important when working with clients. Each client is provided access to see their entire financial picture at any moment they want to view it. By doing this you have access to see what actions are being taken to improve your finances at each stage of the work we are doing.

—  Here to help  —

WITH YOUR FINANCIAL QUESTIONS


Schedule a meeting

US & YOU


Prelude Financial serves a broad range clients who are:


Mid-Career Professionals

Typically medical professionals and entrepreneurs who are trying to build a great life for their family, pay down debt and save for their future.

Pre-Retirees

Who are looking to retire in the next ten to fifteen years who are looking to enhance their efforts to ensure a comfortable retirement.

Retirees 

Who need help managing their investments to create income in a tax efficient manner to support the retirement lifestyle they envision

Scott Haley CFP®, EA Photo

Scott Haley CFP®, EA

Owner / Financial Advisor
Read Bio


The Professional Side

I am the founder of Prelude Financial, a firm dedicated to providing unbiased conflict free advice to help you create the life you envision for you and your family. I help my clients think through difficult financial tradeoffs to come up with solutions they can comfortably live with. I take pride in getting to know every detail of my client’s financial lives so that I can build a well thought out, carefully tailored plan to help accomplish the goals you’ve set for yourself.

I serve a broad range of clients, ranging from mid-career professionals to retirees. Prior to forming Prelude Financial, I worked for some of Ohio's larger wealth management firms. Using my past experience I crafted Prelude Financial to be a firm as sophisticated as a boutique wealth management firm while not restricting itself to younger individuals.

The Personal Side

I grew up in Wadsworth and was often referred to as the son of Wadsworth Music. So if you or your children ever took music lessons you have probably met me at one point or another. Growing up with such a deep connection to my local community was truly a great experience, and gave me the opportunity to get to know so many families in the area.

Outside of the office I enjoy spending time with my wonderful wife and daughter. I try to spend as much time outdoors when the weather permits, biking, backpacking swimming and most importantly being with my family.

I graduated Cum Laude from The University of Akron with a Bachelors degree in Finance and Business Administration, and continued my education to become a  CERTIFIED FINANCIAL PLANNER (CFP). After working in the industry for a few years I furthered my education to earn the Enrolled Agent (EA) and CERTIFIED DIVORCE FINANCIAL ANALYST (CDFA) designations. 



—  Every client is unique  —

FINANCIAL ADVICE TAILORED TO FIT


Schedule a meeting

WHAT WE OFFER



Our planning typically follows this process:

  • Where do you want to go? What are your goals?
  • Can we get there, and how?
  • Create and implement a comprehensive financial plan and investment strategy
  • Review consistently - review at least once per year and adjust to life changes accordingly

OUR FINANCIAL SERVICES INCLUDE:


Retirement Planning

Establish a safe withdrawal rate

Is there a tax efficient distribution method?

What accounts should I liquidate first?

Cash Flow Management

How should I payoff debt while still saving for the future?

What is the best way to reduce my debt to make life easier?

How much should I save each year?

Investment Analysis

Are my investments causing me to pay too much in taxes?

Am I comfortable with the amount of risk I am taking?

Risk Management & Insurance Planning

What type of insurance is appropriate?

Do I have the right amount of insurance to protect my family?

Debt Management

What debts should I payoff first?

What debts should I keep?

Tax Planning & Preparation

How do I reduce my tax burden?

How can I simplify my taxes so it's easier to file?

Education Planning

Should I use a 529 plan for savings?

Estate Planning

Do I have the right documents in place?

Establish Financial Goals

What do I really want out of life?


My investment management services are designed to consistently maximize your investment returns while minimizing tax consequences and volatility. Beginning with your financial goals and concerns, I develop a customized investment strategy, considering your target rate of return and risk tolerance. I review your investment performance regularly and recommend appropriate changes on an ongoing basis. Compared to the typical mutual fund portfolio, Asset Class Investing can offer:

  1. Lower overall costs
  2. Improved tax efficiency
  3. Increased diversification
  4. Better risk exposure to an asset class
  5. Potentially better long-term performance 

While it’s impossible to control the market, our disciplined approach aims to capture the highest market return based on your personal comfort for risk. Maintaining this disciplined approach gives you the best chance of being able to achieve the long-term investment returns to accomplish your plan.  

Download our free white paper "the Importance of Maintaining a Disciplined Investment Approach" to learn how to take control of your investments.

The Importance of Maintaining Discipline


Individuals working in the medical field provide transparency, unbiased advice and clear direction to help their patients. Why not work with a professional that provides that for your finances?


If you are a physician, dentist or other medical professional, you might have particular interest in our focus on helping you with financial planning and maximizing your wealth. Practicing medicine requires that you manage your career as a business. However, many physicians have little, if any, time and/or business and financial training or expertise. Your financial security depends on your ability to manage income and expenses, make prudent investments, and provide for personal financial commitments such as lifestyle expenses, education costs and retirement.  

Some things you may be asking yourself:

  • Do I really know how much I need to save in order to reach my future goals
  • What is the best way to pay down my student loans
  • If I were to become injured how would I provide for my family, and
  • How can I minimize my tax liability?



— Call us Today — SCHEDULE A FREE INITIAL CONSULTATION
(330) 217-3803


Schedule a meeting

CONTACT


Take the first step

If our personalized, straight forward approach sounds right to you, we encourage you to give us a call. Put Prelude on your side to help you have. 

PARTNERING WITH YOU TO CREATE FINANCIAL COMFORT


Schedule a meeting