A portfolio built around your income plan, not the other way around
Most accounts are built to grow — fine when you’re 35. At 65 and pulling income, growth is only half the job. We manage portfolios for retirees across Volusia County with one question in mind: how does this money support the life you actually want to live?
Know exactly how your advisor is paid
You can call almost any firm an investment manager. You deserve to know how the advisor gets paid and what, if anything, they’re required to sell.
- Advisory services through Signal Advisors Wealth, LLC — an SEC Registered Investment Adviser
- Fiduciary duty on advisory accounts — required to act in your best interest
- No proprietary funds — third-party investments chosen for your objectives
- No sales quotas or product-specific targets
- Advisory fees are a percentage of assets, disclosed in writing before you engage
- Insurance, when used, is a separate entity — carrier-paid and disclosed separately
The plan comes first
We don’t start with a model portfolio and pour your money into it. We start with what the money has to do.
The plan comes first
Before we move a dollar: monthly income, healthcare reserve, legacy? Each goal has a different time horizon.
Match dollars to the timeline
Our BIG Bucket Framework separates short, mid, and long-term money so each is invested appropriately.
Build a risk-appropriate mix
Equities, fixed income, cash, and where suitable insurance-based income protection — driven by your plan, not a template.
Manage cost and tax drag
Expense ratios, turnover, and tax-loss opportunities. Small leaks add up over a 20-year retirement.
Review and rebalance
Markets move and life changes. We meet on a defined schedule — not “whenever something comes up.”
The BIG Bucket Framework
The biggest risk in retirement isn’t the market — it’s being forced to sell at a loss to pay your bills. Separating money by when you’ll need it is designed to help prevent that. No strategy eliminates risk or guarantees results, and outcomes vary.
Bank
Roughly 1–2 years of income needs in conservative, stable holdings you can draw on now.
Income
About 3–10 years of needs, positioned to bridge the gap without touching growth.
Growth
Long-term dollars given the time they need to potentially recover before withdrawals begin.
What you get — and what you won’t
- A documented Investment Policy Statement — your rules in writing
- Quarterly performance reporting in plain English
- Tax-aware rebalancing across your accounts
- Coordination with your income, tax, and Social Security strategy
- A real human to call when the market gets weird — and it will
- Hot stock tips
- Pressure to move every dollar on day one
- Proprietary products you can’t leave
- Confusing statements
- An advisor who disappears after the paperwork is signed
This delivers the most value if you
- Hold $500,000 to $3 million in investable assets
- Are 55+, within 10 years of retirement or already retired
- Are consolidating accounts from multiple employers and brokerages
- Want a fiduciary on advisory accounts, not a salesperson
- Are a surviving spouse who inherited accounts and wants a steady second opinion
If that sounds like you, the next step is a 45-minute conversation. No charge, no pressure.
Three simple steps
Call or book
Call (386) 402-4626 or schedule online.
Discovery meeting
Free, about 45 minutes. We review your accounts, any existing policies, and what you want the money to do.
Plan & portfolio design
If we’re a fit, you receive a written Investment Policy Statement aligned to your income plan. No pressure to buy on day one.
Investment management questions
Do I have to move all my accounts to work with you?
The first meeting is a complimentary review of what you already have, with no obligation. Ongoing planning — where we build, monitor, and adjust your portfolio — is delivered through our advisory relationship, which means we manage the accounts that fund the plan. We walk you through exactly what that looks like before you decide anything.
How are you paid?
Advisory services are fee-based — a percentage of assets under management, disclosed in writing before engagement. Insurance products, when used, are paid by the carrier directly to the insurance entity, not deducted from your account.
Are you a fiduciary?
Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), a Registered Investment Adviser with the SEC. Registration does not imply a certain level of skill or training.
Can you handle my IRA, Roth, brokerage, and old 401(k) in one place?
In most cases, yes. Consolidating accounts under one strategy makes tax planning, rebalancing, and reporting significantly easier.
What if I’m uncomfortable with risk?
That’s part of the conversation. The BIG Bucket Framework lets us hold meaningful reserves in stable assets so the volatile portion is sized to what you can actually live with — not what a questionnaire said.
How often do we meet?
At minimum annually for a full review. Most clients prefer twice a year, with check-ins anytime. The phone goes through to a real person.
Do you work with people outside New Smyrna Beach?
Yes — Edgewater, Port Orange, Daytona Beach, Ormond Beach, DeLand, Deltona, Palm Coast, Sanford, and the rest of Volusia County.
Get a second opinion from a fiduciary advisor.
Schedule a complimentary portfolio review, or call our New Smyrna Beach office.
Office: 112 N. Orange Street, New Smyrna Beach, FL 32168 · Mon–Fri, 9:00–5:00
Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), a Registered Investment Adviser with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Steven L. Rich is an Investment Adviser Representative of Signal Wealth. Advisory fees are based on a percentage of assets under management, disclosed in writing before engagement, and detailed in our Form ADV Part 2A. Insurance products and services are offered through New Smyrna Beach Retirement Solutions (“NSBRS”), which is not affiliated with Signal Wealth; insurance compensation, where applicable, is paid by the issuing carrier and is not deducted from your advisory account. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is not indicative of future results. Performance reporting reflects portfolio activity and is provided for informational purposes. This is for informational purposes only and is not investment, tax, or legal advice.