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Frequently Asked Questions

What sets Morrison Wealth Advisors apart from other financial advisors?

Many advisors take a one-size-fits-all approach, we specialize in helping retirement savers age 50+ with $1 million or more prepare for retirement. This allows us to focus on the strategies that matter most during this important transition.

As an independent firm, we work solely for you, not a bank, brokerage firm or insurance company.

Simple, transparent pricing: no hidden fees or surprises
No commissions or sales quotas:  we don’t push products
Independent advice: we’re not tied to any company or proprietary funds

Yes and as a fiduciary, we’re legally and ethically obligated to put your best interest first, always. The way it should be. Sounds obvious, but it’s not the industry standard yet.

We believe in simplicity and transparency when it comes to our compensation. We operate on a fee-only basis, which means we don’t receive commissions or any other form of compensation other than the fee we charge you. Our advisory fees are based on a percentage of assets under management, and we’ll clearly explain our fee structure during our introductory call before you make any commitment.

Absolutely. Our expertise is particularly valuable during the critical pre-retirement phase (typically ages 50-65) when important decisions about investment strategy, tax planning, and retirement timing can significantly impact your financial future. We help you understand when becoming “work optional” is feasible and create strategies to bridge any gaps between your current position and your retirement goals.

We believe in personalization. We continually strive to balance investors’ desires for growth with the need to minimize drops in account value. We focus on keeping investment costs low, minimizing tax impact, and creating sustainable income streams you won’t outlive. We don’t chase fads, we focus on what works over time.

Taxes are one of your most significant expenses in retirement. Our comprehensive tax planning includes:

  • Annual tax return analysis to identify optimization opportunities
  • Strategic Roth conversion planning
  • Coordination of income streams (Social Security, pensions, RMDs) for tax efficiency
  • Asset location strategies across different account types
  • Charitable giving strategies
  • Medicare IRMAA bracket management
  • Ongoing monitoring of changing tax laws

We typically work with clients who have accumulated at least $1 million in investable assets. This focus allows us to provide the specialized attention and sophisticated strategies that benefit those with more complex financial situations. However, we evaluate each situation individually and occasionally make exceptions based on unique circumstances.

Before asking for any financial commitment, we follow our 4-step Discovery Process:

  1. Introductory Call: A focused 20-minute call to determine if your needs align with our expertise
  2. Discovery Meeting: A deeper dive into your goals, concerns, and complete financial picture
  3. Strategic Analysis: Our comprehensive assessment of your retirement readiness, tax efficiency, investment optimization, and priority alignment
  4. Present our Thoughts: A clear presentation of strategies to strengthen your financial position

This no-obligation process allows you to see precisely how we can help before making any decisions.

We typically meet with clients three times a year.. However, we customize our meeting frequency based on your preferences and needs. Between scheduled meetings, we’re always available for questions or concerns, and we proactively reach out when market conditions or personal circumstances warrant additional discussion.

Your financial security is our primary concern. As part of Csenge Advisory Group, we have a robust continuity plan in place. We’re committed to ensuring your financial journey remains on track regardless of unforeseen circumstances.