Invest with Flores Wealth Planning

At Flores Wealth Planning, we provide investment management for individuals and families who want a disciplined, research-driven approach without the burden of managing their portfolios day to day, while acknowledging that all investing involves risk, and no strategy can guarantee success. Our goal is to help you stay invested with confidence, knowing your strategy is aligned with your goals, risk tolerance, and investment time horizon.

Passive, Low-Cost Investment Philosophy
Our approach emphasizes diversification, cost awareness, and long‑term discipline; however, these strategies do not guarantee improved results or protect against loss. We build portfolios using passive, low-cost ETFs across global equities, fixed income, and alternative asset classes. This evidence-based method avoids speculation and focuses on capturing market returns efficiently.

Ongoing Management: Rebalancing & Tax-Loss Harvesting
Your portfolio receives ongoing oversight. We monitor allocations, rebalance when necessary, and apply tax-loss harvesting strategies specifically in taxable brokerage accounts to help reduce your tax burden and improve after-tax results, noting that tax outcomes depend on each client’s individual circumstances. This disciplined process keeps your portfolio aligned with your target strategy.

Quarterly Reviews & Ongoing Guidance
Each quarter, we meet to review progress, address questions, and make adjustments based on changes in your financial life. These regular check-ins ensure your investment strategy remains in step with your overall financial plan.

Where Your Assets Are Held
Flores Wealth Planning partners with independent, third‑party custodians Charles Schwab and Betterment to safeguard client assets. These custodians provide secure account access, trade execution, and reporting while ensuring transparency and separation between advisory and custody services.

Account Types We Work With**
We can help you open, transfer, and manage a wide range of account types, including:

• Individual and joint taxable brokerage accounts
• Traditional IRAs and Roth IRAs
• Trust accounts
• Inherited IRAs
• 401(k)s
• SIMPLE IRAs, SEP IRAs, and other employer-sponsored plans for business owners

Backdoor Roth IRA Strategy
For high-income earners who exceed the income limits for direct Roth IRA contributions, we can help implement a Backdoor Roth IRA strategy. This may include coordinating nondeductible Traditional IRA contributions, monitoring pro-rata tax considerations, and converting funds to a Roth IRA when appropriate. This strategy can help maximize long‑term tax‑free growth while staying compliant with IRS rules.

Customized Solutions for High-Net-Worth Clients**
For clients with more complex needs, we offer additional strategies such as laddered municipal bond portfolios to generate tax-advantaged income, and personalized direct indexing for enhanced tax efficiency and customization at the individual holding level.

Whether you’re accumulating wealth, preparing for retirement, or seeking a structured and efficient investment process, we manage the day-to-day decisions so you can remain focused on what matters most.

Important Disclosures
Investment advisory services are offered through Flores Wealth Planning, LLC, a registered investment adviser. Registration does not imply a certain level of skill or training. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Asset allocation, diversification, rebalancing, and tax-loss harvesting strategies do not ensure a profit or protect against loss in declining markets.

Tax-loss harvesting applies only to taxable accounts and may have unique tax implications. Flores Wealth Planning does not provide tax or legal advice; clients should consult with their tax or legal professionals regarding their specific situation. Investment strategies referenced may not be suitable for all investors and are subject to change based on individual circumstances and market conditions.

Before making any investment decision, clients should carefully consider their financial situation and objectives. Additional information, including our Form ADV, is available upon request.

See also Financial Planning Services.