Let’s build your customized Financial Plan to navigate through your Retirement Journey.
We specialize exclusively in helping pre-retirees aged 50 to 65 with $250,000 or more in investments navigate the transition to a confident, tax-efficient retirement.
Putting clients interests first.
All the time.
Fiduciary
Experienced
Over 30 years in
financial services.
Professional
Certified Financial
Planner since 2002.
Brian Jaros, CFP®, MBA
Owner & CEO
“A Financial Plan
unimplemented has no value.”
Brian Jaros, a Certified Financial Planner with over 30 years of financial services experience, is the Owner and CEO of Ville Wealth Management.
After graduating from The Ohio State University in 1992, he began his career at Society Bank, which later merged with KeyBank, where he worked in Retirement Plan Services for ten years. He focused on retirement and investment planning and client education while earning his MBA from Cleveland State University.
In 2002, he earned his Certified Financial Planning (CFP®) designation. Over the last twenty years he has built two different Financial Planning Practices at Key Private Bank and Huntington Private Bank, serving as Director of Financial Planning. He has developed a strong client discovery process and has guided clients in reaching their financial goals through a structured implementation approach.
Brian is married, has two lovely daughters, two loyal dogs, and resides in Avon Lake Ohio.
Ville Wealth Management LLC is a Fee-Only Registered Investment Advisory Firm dedicated to providing tailored financial planning and investment management services. Our proprietary discovery and implementation process empowers you to navigate your retirement journey with confidence, ensuring timely, proactive advice for informed decision-making.
What we do.
The decade before retirement is the most consequential financial period of your life. Social Security timing, Medicare enrollment, Roth conversions, withdrawal sequencing, and estate coordination all require careful analysis -- and the decisions you make are largely permanent. Our complete Retirement Planning Guide for pre-retirees aged 50 to 65 in Ohio covers every decision you face.
While some firms charge 1.4% or higher in management fees and up to 0.60% in strategy fees, we keep our fees at 0.88% or less. Our minimum asset balance, including all accounts and household members is $250,000, compared to my previous firm’s $2m requirement.
See Our Full Fee Schedule
Every client gets a personalized financial plan, updated yearly at no extra cost. While other firms typically charge between $2,000 and $5,000 for this service, we offer it as part of our standard package. Unlike many firms, we also include plan implementation as a key part of our process at Ville Wealth Management.
We partner with EncorEstate Plans for basic estate planning services and utilize local attorneys for more complex estates. While most attorney fees for Wills and Trusts are between $2,000 and $4,000, our clients can access these services via EncorEstate Plans for less than a thousand dollars (price tied to EEPs fee schedule).
For a married couple, the difference between a thoughtful Social Security strategy and a default decision can exceed $100,000 in lifetime benefits -- permanently. We model every claiming scenario, coordinate both spouses' decisions, and integrate the strategy with your tax plan and Medicare premiums before you file.
Healthcare is one of the largest and most complex expenses in retirement. Medicare has strict enrollment windows -- miss one and you pay a penalty for life. IRMAA surcharges set at age 63 raise your premiums at 65. And retiring before 65 without a bridge plan leaves you dangerously exposed. We plan for all of it -- included at no extra charge.
Most advisors review your taxes after the fact. We plan them before they happen. The Opportunity Valley -- the low-income window between retirement and RMDs -- can last 18 to 20 years for some clients. Strategic IRA withdrawals, Roth conversions, capital gains harvesting, and IRMAA management during this window can save tens of thousands in lifetime taxes.
We partner with top companies that focus on Health, Life, Disability, and Long-Term Care insurance. Since we don't earn commissions from insurance sales, we can prioritize finding the best options for your financial health.
Our passion at Ville Wealth Management is to ensure our clients have a plan, it’s implemented and reviewed annually!
Why we do it.
*Spectrum Group Survey
*Forbes.com
*Charles Schwab Survey
*Merrill Lynch Survey
* R.A. Prince & Associates Advisor Survey from Forbes.com 9/12/2021 ; The research firm, Spectrem Group conducted a study of wealthy investors in 2021 ; 2024 Schwab Modern Wealth Survey conducted by Logica Research ; Merrill Lynch Survey quoted from EncoreEstate Plans Webinar 11/18/2024
Who we serve.
Pre-Retirees
“I want to retire in five years, move south, my parents are getting older, and my kids are starting their careers. How do I navigate this?”
50-65
Retirees
“We have questions about when to take Social Security, our spending habits, our estate plan, long-term care, taxes, and our investments.”
Professionals
Doctors, Executives, CPAs, Realtors, Attorneys, Teachers
“I am extremely busy but need help getting organized and handling our wealth to ensure we are making the right decisions at the right time.”
Business Owners
“My business is my top priority, but I want to learn about my options for transitioning my business, health care, cash flow, and investing.”
Our 11-Discipline Financial Planning Framework
1-Goals-Based Planning
Longevity Risk
Funding a Major Purchase
Protecting against Inflation
Receiving an Inheritance
Tax loss Harvesting / Tax Sensitive Rebalancing
7-Budget Planning
8-Cash Flow Planning
Efficient Use of Credit
Liquidity Management
Updating or Preparing Estate Plan
Minimizing Federal & State Estate Tax
Selecting Your Trustee & Executor
Preparing Heirs for Inheritance
Child with Special Needs
Gifting to Family & Others
Supporting a Charitable Cause
11-Business Planning
Transition Planning
Wealth Protection
Life Events
Marriages / Weddings
Divorces within the Family
Death of a Spouse or Family Member
Birth of a Child or Grandchild
Changing Jobs
Samples From Our Process
Snapshot
Goals
Retirement
Social Security
Tax Estimate
Estate Flow
Net Worth
Asset Allocation
Cash Flow
Stress Test
Tax Analyzer
Scorecard
