A written financial plan
Built from your goals, time horizon and tolerance for loss, and kept live in RightCapital so you can see it any time.
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Financial planning & investment management
Financial planning for individuals and families, wherever you live.
You’ve done the saving. Now the decisions get harder: when to retire, when to claim Social Security, how to turn a portfolio into income that lasts. We bring it into one written plan, then manage the portfolio to fund it.
What’s included
One relationship. Your whole financial picture.
Planning and investing aren’t separate services here. The plan decides the portfolio, and the portfolio is reviewed against the plan.
Retirement income
How much you can spend, from which accounts, in what order. A paycheck strategy you can follow.
Social Security timing
When each of you should claim, and how that choice interacts with the rest of the plan.
Portfolio management
Discretionary management of low-cost, globally diversified portfolios built primarily with Avantis ETFs, rebalanced with your plan in mind.
Tax-aware decisions
Withdrawal order, Roth conversions, required minimum distributions and where each investment is held. We coordinate with your CPA.
Estate-plan coordination
Beneficiaries, account titling and trust funding checked against your estate plan. We work alongside your attorney.
Who we work with
People at the edge of retirement, and past it.
Our clients are usually in their fifties, sixties and seventies. Most want a steady, experienced partner for the decisions that are hard to undo.
- Pre-retirees who want to know when they can stop working, and what it will take.
- New retirees setting up income, Medicare and Social Security for the first time.
- Retirees who want someone else to handle the portfolio, the withdrawals and the required distributions.
- Surviving spouses who have inherited decisions they never had to make before.
- Business owners planning their own exit and retirement alongside the company plan.
Between meetings
Personal advice, delivered remotely.
We get to know you over video calls, then use modern tools so you can see where you stand any time, from anywhere.
Planning
RightCapital
Your plan, retirement projections and goals in a mobile-friendly portal.
Projections are hypothetical and are not guarantees of future results.
Custody & reporting
Altruist
Balances, activity and statements for accounts held in your name, on your phone.
Questions
Before you call.
How are you paid?
We are fee-only. Perfetta Capital is paid by clients through a published annual advisory fee based on the assets we manage, billed monthly. We do not earn commissions on anything we recommend, so our advice isn’t tied to selling a product. Full terms are in our Form ADV Part 2A.
Is there an account minimum?
No. There is no minimum account size to open or keep an advisory account with us. What matters more is fit: we do our best work for families who want a written plan and a disciplined, long-term portfolio.
How hard is it to move my accounts?
Less work than most people expect. Once you decide to go ahead, we prepare the paperwork and handle the transfer requests with your current firm. Transfers are typically done in kind where possible, and we’ll talk through any tax consequences before anything is sold.
How often do we review things?
We monitor your portfolio on an ongoing basis and meet with you at least once a year for a full review, and whenever your circumstances change: a retirement date, a sale, an inheritance, a new grandchild.
Can you work with me if I don’t live in Georgia?
Very likely. Many of our clients live outside Georgia and work with us remotely. Perfetta Capital is a Georgia-registered investment advisor and can advise clients in states where it is registered, exempt, or excluded from registration. Tell us where you live on the intro call and we’ll confirm before you commit to anything.
Next step
Let’s see if we’re a fit.
Start with a short intro call. Tell us what prompted you to reach out, ask anything you like, and leave with a clear sense of whether working together makes sense. No preparation needed.