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Adam Wojtkowski, CPWA®, CFP®
Copper Beech Wealth Group

Tel: 508-290-0551
20 Cabot Boulevard
Suite 300
Mansfield, MA 02048

About Adam Wojtkowski

Adam is a native of Worcester and started Copper Beech Wealth Group in February 2022.

Adam has close to 20 years of experience assisting families in cash flow analysis, risk management, tax planning, investment management, retirement income planning, & estate planning. Adam works to create unique strategies to address complicated wealth management issues, such as minimizing tax implications & optimizing philanthropic support, so each client can effectively control the destination and purpose of their wealth. To do so, he utilizes a comprehensive approach & incorporates a network of trusted advisors such as accounting, legal, real estate & insurance professionals.

Adam and his wife Debbie have two beautiful daughters, Avery and Sadie. While they currently reside in Plainville, Adam & Debbie have lived in South Boston, Somerville and Wilmington over the past 15 years.


About Copper Beech Wealth Group

Copper Beech Wealth Group's mission is to stand beside you and help you achieve the peace of mind and confidence to pursue your financial future - no matter what the markets or your life may bring.

YOUR GUIDE. We will be a sounding board for your dreams and concerns and assist you in developing and executing an investment strategy that is precisely your own.

YOUR PARTNER. We will be a financial partner who shares your vision and works with you to discover all the possible strategies that can help address your financial goals

YOUR ADVOCATE. We will be an advocate who supports and helps position you to pursue what matters to you today, tomorrow and for generations to come.

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General Information

Firm Start Year:   2022
No.of Employees:   1
Name of Custodial Firm:   Fidelity Investments, Charles Schwab, TD Ameritrade
Number of Years with Current Firm:   0
Work Experience:   Adam has been in the financial services industry since 2003 and prior to starting Copper Beech, he worked for Smith, Salley & Associates, Beaumont Financial Partners, Citizens Bank and Fidelity Investments.

In 2010, he earned the Certified Financial Planner Designation. The CFP® mark is a prestigious and highly respected professional designation labeled as the "Gold Standard" in the financial planning and wealth management industries globally. Most recently, in 2021, Adam completed course work through the Yale School of Management and became a Certified Private Wealth Advisor®.
Work with the following types of clients:   Individual Investors, Businesses, Non-Profit Organizations
Advisory Services Provided:   Financial Planning for Individuals, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Estate Planning & Trusts, Investment Advice & Management, Money Management

Services

Investment Types:   Mutual Funds, Bonds, Stocks, Exchange Traded Funds (ETFs)
Can meet clients in the following ways:   Via Email, Your Office, Our Office, Your Home, Our Offices, Video Conference, Via Phone

Qualifications & Memberships

Financial Organization Memberships:   Financial Planning Association (FPA), Paladin Registry

Firm Information

Firm's Number of Clients:   Under 100
Firm's Number of Planning Clients:   Under 100
Firm's Number of Managed Clients:   Under 100
Assets Managed by Firm:   $25MM
Advisor's Number of Clients:   Under 100
Advisor's Number of Managed Clients:   Under 100
Advisor's Number of Planning Clients:   Under 100
Assets Managed by Advisor:   $40,000,000

Compensation and Fees

Fee Structure:   Fee-Based
Minimum Portfolio Size for New Managed Accounts:   250000
Compensation Methods:   Flat Fee, Hourly, Based on Assets

Education

Bachelors Degree  - Accounting   Assumption College  - Worcester, MA
1999-2003
Wealth Management Theory & Practice   Yale School of Management
2021-2021

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Financial Services

Financial Planning for Individuals

We employ a goals based approach to Financial Planning. This means we begin with a realistic assessment of your financial objectives. Utilizing a conservative approach to Monte Carlo statistical analysis, we then conduct a feasibility study of the potential to achieve those goals. Our Financial Planning efforts work in tandem with the portfolio management process to ensure assets are invested with the end goal in mind. Because financial independence is a goal shared by all clients, Retirement Planning is one of the main focuses of our firm.

Financial Planning for Businesses

In addition to working with retirees, I have a number of business owners that I work with. We help manage their personal assets, and in some cases the investment assets of the business as well, either through corporate accounts, or through retirement plans, such as Solo 401ks or SEP IRAs.

Portfolio Management

Our firm manages portfolios for clients using individual stocks and bonds, as well as exchange traded funds. We help our clients define their financial goals and objectives, and then match the asset allocation of their portfolio to achieve them.

Retirement Planning

I've been in or around retirement income planning since 2006 when I started my career at Fidelity Investments as part of the Retirement & Investment Services phone group. Since then, I've focused almost exclusively on retirees and pre-retirees. I help clients understand their cash flow in retirement, as well as make sure we've built a plan that will sustain through their entire retirement period of sometimes 30 or more years.

401K Rollovers

Many of the folks I work with are close to or already in retirement. I often help them with the consolidation of their old plans to help simplify their life as they enter into retirement.

Estate Planning & Trusts

While I am not an attorney, I spend a great deal of time helping my clients make sure that their estate plan is up-to-date, and beneficiaries are designated accordingly. Our firm also offers corporate trustee services for an additional fee.

Tax Planning & Mitigation

In addition to helping my clients with general retirement planning and investment management, I work closely with them on their tax planning and estate planning. While I do not prepare taxes, I am an IRS Enrolled Agent and spend a lot of time tax planning for my clients, to reduce the amount of taxes paid in the short term and long term, whenever possible.

Wealth Management

In addition to helping my clients with general retirement planning and investment management, I work closely with them on their tax planning and estate planning. While I do not prepare taxes, I am an IRS Enrolled Agent and spend a lot of time tax planning for my clients, to reduce the amount of taxes paid in the short term and long term, whenever possible.


FAQs

What are your qualifications? What is your education background?

I have been helping clients with investment management and retirement planning since 2003. I became a Certified Financial Planner Practitioner in 2010, and a Certified Private Wealth Advisor in 2022.

How are you compensated? How will I pay for your services?

Fee based on assets under management, planning only fees

How many clients do you currently manage?

Less than 100.

Will you be the only person working with me?

Yes, but I am supported by a larger organization

Have you ever been charged with any breaches?

No

SEE MORE  

Compliance

Registered Investment Advisor:

Yes


Investment Advisor Representative:

Yes


Acknowledged fiduciary:

Yes


Compliance Disclosures in Last 5 years:

Have a clean record


Criminal Disclosures in Last 5 years:

Have a clean record


Office Hours

Mon. 8:30 AM - 5:30 PM
Tue. 8:30 AM - 5:30 PM
Wed. 8:30 AM - 5:30 PM
Thu. 8:30 AM - 5:30 PM
Fri. 8:30 AM - 5:30 PM

Communities Served

Abington Acton
Allston Ashland
Attleboro Attleboro Falls
Auburndale Avon
Bedford Bellingham
Berlin Blackstone
Boston Braintree
Bridgewater Brighton
Brockton Burlington
Cambridge Canton
Charlestown Chestnut Hill
Cohasset Concord
Dedham Dighton
Dover East Bridgewater
East Taunton Foxboro
Framingham Franklin
Grafton Hanover
Hingham Holliston
Hopedale Hopkinton
Hudson Lincoln
Mansfield Manville
Marlborough Maynard
Medway Mendon
Milford Millis
Millville Natick
Newton Newton Center
Newton Highlands Newton Lower Falls
Newton Upper Falls Newtonville
Norfolk North Attleboro
North Providence Northborough
Northbridge Norton
Norwell Norwood
Pawtucket Plainville
Providence Raynham
Rehoboth Rockland
Roslindale Seekonk
Sharon Sherborn
Shrewsbury South Grafton
Southborough Stoughton
Stow Sudbury
Sutton Taunton
Upton Uxbridge
Waban Waltham
Wayland West Newton
West Roxbury Westborough
Westwood Whitinsville
Winchester Woburn
Woonsocket Wrentham

News & Events

CNBC
When: 11/27/2020
Details:https://www.cnbc.com/2020/11/27/covid-19-brought-unique-challenges-for-multigenerational-families.html

Sharing costs can be beneficial to everyone's finances in a multigenerational family. For parents in retirement, having kids live with them could mean withdrawing less from savings, according to CFP Adam Wojtkowski, a financial advisor at Smith Salley & Associates in Walpole, Massachusetts.

For example, if kids can contribute to expenses, parents between 60 and 72 could consider either a Roth conversion or qualified distribution to reduce the amount they have in required minimum distributions at 72, particularly if they have large 401(k) plan or traditional individual retirement account balance, said Wojtkowski.

"If they can pay federal tax at 10% or 12% today, rather than a higher rate when their RMD starts, that might make sense to take a look at," he said, adding families should speak with a financial planner or CPA before making any changes.

Kids living with parents can also use the opportunity to save up, especially if they're paying less to live at home than they would on their own, according to Wojtkowski.


Investment News
When: 12/01/2020
Details:https://www.investmentnews.com/financial-advisers-uncertain-biden-impact-taxes-economy-199861

"Clients might have to make year-end decisions with incomplete information, and it's not as if tax increases are a slam dunk even if the Democrats win those two Georgia senate seats" said Adam Wojtkowski, a financial adviser at Smith Salley & Associates. "All of this uncertainty leads to difficult planning for year-end 2020" he added. "Next year and beyond should hopefully feature multiple vaccines that get us closer to normal. The positive momentum that this provides could very likely offset any negative impact from an increase in corporate tax rates as well."

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