Correct Capital Wealth Management, a registered investment adviser, is emphasizing the role of tax-aware strategies as part of its comprehensive financial planning process as clients review plans during the final quarter of the year. The firm integrates tax considerations with investment management, retirement planning, and related decisions rather than treating them as a separate exercise.
Correct Capital Wealth Management, LLC is registered with the U.S. Securities and Exchange Commission as an investment adviser. Fiduciary obligations apply in the context of the firm’s investment advisory services. Tax-aware work may include reviewing where assets are held, evaluating withdrawal sequencing and required minimum distribution planning, considering the timing of capital gains and deductions, and assessing charitable giving approaches that align with broader goals. The firm coordinates with clients’ CPAs and estate attorneys so these decisions are considered together.
Brian I. Pultman, CFP®, Founder and CEO of Correct Capital Wealth Management, entered the financial services industry more than 30 years ago and established the firm as an independent registered investment adviser in 2018. The independent structure supports the firm’s stated approach of Independent, Objective, and Unbiased advice.
“Tax considerations influence how much of a client’s resources remain available over time, so we treat them as one element within the overall plan rather than an isolated topic,” Pultman stated. “The process starts with the client’s goals and then looks at how decisions such as where assets are held and how withdrawals are structured may affect the tax picture.”
The firm’s comprehensive financial planning is described as a written, long-term strategy that coordinates income, spending, debt, investing, taxes, insurance, retirement, and estate planning elements. Tax-related reviews can involve assessing opportunities such as Roth conversions, qualified charitable distributions from an IRA for those aged 70½ or older, and the timing of capital gains or deductions.
These considerations are evaluated in the context of each client’s full situation, including retirement income needs and other objectives. For families, the same coordination extends to family wealth planning, which may address investment management, tax-aware decision-making, charitable planning, and estate and legacy planning.
Johnathan Horman and Justin Volkmar, Lead Financial Advisors and Retirement Plan Specialists at Correct Capital Wealth Management, work with clients on retirement and related planning. Horman holds an MBA from Saint Louis University and built his experience in retirement planning and portfolio management at firms including Wells Fargo Advisors and Northwestern Mutual. Volkmar has more than 20 years of experience in financial services, holds an MBA, and approaches his work as serving as a client’s “family CFO.”
“As the year moves into its final months, many clients review contribution levels, potential Roth conversions, and charitable strategies alongside their investment and income plans,” said Horman. “Our role is to help map how those decisions connect so the overall plan stays aligned with each client’s stated priorities.”
Withdrawal strategies examine the order and timing of retirement account withdrawals, including required minimum distributions where applicable and whether spreading withdrawals over a longer period may fit a client’s situation. Charitable planning may include evaluating qualified charitable distributions when those fit the client’s objectives and eligibility. All of these elements are reviewed as part of an ongoing plan rather than a single-year exercise.
Correct Capital Wealth Management continues to apply this integrated approach for individuals, families, and business owners at various stages of life. The final quarter of the year provides a practical window for clients and advisors to revisit assumptions, update projections where circumstances have changed, and confirm that tax-aware choices remain consistent with the broader financial plan. Scenario modeling tools are used to illustrate potential effects of different decisions without treating any single outcome as certain.
Methods such as Roth conversion analysis and coordinated withdrawal sequencing are employed as part of the planning process. These approaches are intended to help clients consider the tax implications of their decisions within the context of their overall plan. They do not guarantee specific tax savings, investment performance, or protection against market losses or changes in tax rules. All investing and planning involve the risk that actual results may differ from projections. Past results are not indicative of future outcomes.
Correct Capital Wealth Management is an independent, privately held wealth advisory firm founded in 2018 and based in Clayton, Missouri, in the St. Louis area, serving clients locally and nationwide. The firm provides investment advisory, comprehensive financial planning, retirement planning, and related services to individuals, families, businesses, and institutions. As a registered investment adviser, it is committed to acting in clients’ best interests under a fiduciary standard in the context of its advisory services and delivers advice through its Independent, Objective, and Unbiased approach. The firm’s name reflects family history connected to founder Brian Pultman’s grandfather and the earlier Correct Cap Company.
Disclosures
Advisory services offered through Correct Capital Wealth Management, LLC, an Investment Adviser registered with the U.S. Securities & Exchange Commission. This material is for informational purposes only and is not intended as personalized investment, tax, or legal advice. All investments involve risk and, unless otherwise stated, are not guaranteed. Investment strategies and tax planning approaches should be evaluated based on individual circumstances and in consultation with appropriate professionals.
The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security and are subject to change. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. As always, please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.
Correct Capital Wealth Management LLC is not a law firm and does not provide legal advice to clients. All Estate planning document preparation and other legal advice are provided through select third parties.
Correct Capital Wealth Management, LLC is a registered Investment Adviser registered with the U.S. Securities & Exchange Commission. Advisory services are only offered to clients or prospective clients where Correct Capital Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Correct Capital Wealth Management, LLC unless a client service agreement is in place.
###
For more information about Correct Capital Wealth Management, contact the company here:
Correct Capital Wealth Management
Brian I. Pultman, CFP®
877-930-4015
info@correctcap.com
130 S Bemiston Ave #602, Clayton, MO 63105