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—  Prelude Financial, LLC  —FINANCIAL PLANNING & INVESTMENT MANAGEMENT

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ABOUT



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

We are a fee-only firm, which means that clients pay us to help maximize their wealth. Our firm does not receive commissions, bonuses or incentives from other institutions for referring their services. We are a fiduciary agent for our clients. We work comprehensively to integrate all facets of a client’s financial life. Further, we work as 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

We maintain a keen eye on the tax efficiency of your plan to improve the overall success of your planning.

Fee-Only

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

Independent

As an independent financial advisory firm we work solely in the best interest of our clients. Without the incentive to recommend proprietary products we are able to act as a fiduciary and put your best interest first.

—  Here to help  —

WITH YOUR FINANCIAL QUESTIONS


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US & YOU


Prelude Financial serves a broad range clients who are:


Mid-Career Professionals

Typically engineers, medical professionals and entrepreneurs who are trying to build a great life for their family.

Pre-Retirees

Who are looking to retire in the next ten years and are looking to enhance their efforts o 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, CDFA® Photo

Scott Haley CFP®, EA, CDFA®

Owner / Financial Advisor
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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


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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

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?


Our investment management services are designed to consistently maximize your investment returns while minimizing tax consequences and volatility. Beginning with your financial goals and concerns, we develop a customized investment strategy, considering your target rate of return and risk tolerance. We 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 who have accumulated significant savings have different concerns and face different issues than normal retirees.

Our wealth management platform incorporates all aspects of your finances using sophisticated planning techniques to maximize your wealth. Individuals who fit into this category come from a number of different backgrounds including:

Business Owners:

Our entrepreneurial clients are occupied with motivating their employees, making their clients successful and generating profits. At Prelude Financial we typically use the line of inquiry below with its business owner clients to get started on the path to better management of their financial affairs.

  • Do you feel that you might be missing business-linked personal income tax reduction opportunities?
  • Are you maximizing contributions to a company retirement plan (i.e., $53,000 to $263,000 year) to minimize current taxes and to fund a comfortable retirement?
  • Do you have a business succession plan?

Corporate Executives:

The burdens on the time of the executive role are substantial, and their personal financial affairs can suffer as a result. Further complicating the situation are benefit packages and concentrated holdings of company shares and options that raise diversification obstacles and potentially adverse and unanticipated tax consequences. Clients rely on our knowledge to help them design comprehensive financial plans that maximize rates of return, minimize taxes and effect a seamless retirement transition.

Medical Professionals:

If you are a physician, dentist or medical professional, you might have particular interest in our focus on helping you with financial planning and maximizing your net 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.  

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


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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


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