Gariano Wealth Management works best with individuals and couples who are approaching retirement, or who have recently retired, and want clarity around how to turn their savings into a confident, sustainable retirement plan.

Our ideal clients are typically within 10 years of retirement or in their first years of retirement. They’ve done a good job saving, but recognize that the decisions ahead are different, and often more complex, than anything they faced during their working years.

They want help answering questions like:

• How much can I safely spend without running out of money?
• Which accounts should I use first to reduce lifetime taxes?
• When should I claim Social Security and how does that affect the rest of my plan?
• How do I balance enjoying retirement now while still planning for the long term?
  

Gariano Wealth Management is a strong fit for people who value planning over predictions and who want a structured, repeatable process, not one-off advice or product recommendations. Our clients receive clear explanations, thoughtful tradeoffs, and a plan that adapts as markets and life changes.

This is not a firm for day traders, short-term speculation, or one-size-fits-all solutions. It’s for people who want a deliberate, tax-aware, retirement-focused strategy, and a long-term advisory relationship to support it.

Yes, at Gariano Wealth Management we take the fiduciary standard very seriously. 

That means we are legally and ethically obligated to act in your best interest at all times, not ours, not a product provider’s, and not a third party’s.

As a fiduciary, our advice is based on what’s most appropriate for your situation, goals, and long-term outcomes. Every recommendation is made within the context of your overall retirement plan.

Yes, we are currently accepting new clients, though we intentionally work with a limited number of households to ensure a high level of service and attention.

We focus on building long-term relationships with individuals and couples who are approaching retirement or recently retired, and we are selective to make sure we’re a good fit for each other.

This allows us to be proactive, responsive, and thoughtful in how we serve our clients.

Availability can change throughout the year, so the best next step is to schedule a brief consultation. That conversation allows us to confirm fit, answer questions, and outline what working together would look like.

Once you become a client of Gariano Wealth Management, communication is clear, intentional, and proactive.

You’ll know who to contact, how to reach us, and what to expect at each stage of the relationship. During onboarding and plan implementation, communication is more frequent as we gather information, review decisions, and put strategies in place. As your plan moves past the intial planning stages, communication becomes structured and purposeful, focused on decisions that actually matter.

We don’t believe in constant noise or reactive check-ins driven by market headlines. Instead, we communicate when there’s a reason to, whether that’s a planning opportunity, a change in your life, or an adjustment needed to keep your plan on track.

You’ll have ongoing access to our team and can reach out by email or phone whenever a question comes up. We also schedule regular review meetings twice per year to revisit your plan, assess progress, and make updates as markets, regulatory changes, or your personal situation evolve.

The goal is simple: you should never feel left in the dark, and you should never wonder whether something important is being missed. Our communication is designed to support confident decisions, not overwhelm you with information that doesn’t move the needle.

No, the initial consultation is complimentary.

This first meeting is designed to determine fit and gives you a chance to ask questions, understand how our process works, and see whether Gariano Wealth Management is the right partner for your retirement planning needs.

You’ll leave the conversation with clarity on next steps and whether it makes sense to move forward, with no pressure and no obligation.

We offer both virtual and in-person meetings.

Many of our clients choose to meet virtually, which allows for flexibility and convenience without sacrificing the quality of the planning experience.

For those who prefer face-to-face meetings, in-person appointments are also available.

Regardless of how we meet, the planning process, level of service, and depth of analysis remain the same.

Our goal is to make the experience accessible while maintaining a high standard of communication and guidance.