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Personal Finance and Wealth Management

Welcome to BS&P Wealth Management

Retirement Planning * Cash Flow and Debt Planning * Investment Planning

College Planning * Insurance * Tax Planning * Estate Planning * Employer Benefits

Managing your finances can be stressful. Your current state of being is temporary and change is inevitable. Transitioning from one phase to another is not always dictated on your terms. New tax laws and the uncertainty in the capital markets can impact the financial decisions you make. Partnering with your CPA and a CFP® professional will help you navigate whatever changes come your way while helping you maximize your financial resources now and in the future.

At BS&P Wealth Management our team of tax and financial professionals help clients manage life’s transitions so that in the face of change and uncertainty, we keep you on track. We provide thoughtful and proactive solutions and strategies that solve your unique challenges and issues that are causing you the most pain now and those that may keep you up at night in the future.

We invite you to leverage our expertise and learn more about how BS&P Wealth Management can help change the way you think about your financial future. No matter what state of being you are in, we can help you transition forward.

Individuals

You’re on your own and blazing an independent trail towards the future.

 

I’m getting started:

  • Savings strategies for the present and the very distant future
  • Debt and credit management decisions that impact cost of financing future goals
  • Insurance and risks that need to be addressed

I’m moving forward:

  • Maximizing employee benefits
  • Smart/flexible investing for the future
  • Planning for life’s ‘what-ifs’

I’m ending this chapter:

  • New career/relocation decisions
  • Housing considerations
  • Income planning for retirement

Families

Your responsibilities have expanded and others rely on you. More is at stake.

 

I’m getting started:

  • Financial considerations with another person
  • Housing assessment and options
  • Work life balance and impact on finances

I’m moving forward:

  • Child care and education planning
  • Coordination and evaluation of health care and related insurance needs
  • Cash flow planning and options for a one or two income household

I’m ending this chapter:

  • Empty nester with increased disposable income
  • Impact of divorce or separation
  • Retirement planning and risk assessment
  • Long term health care needs of aging parents
  • Decisions surrounding the receipt of a large inheritance

Business Owners

The entrepreneurial spirit is in you and you are taking the plunge.

 

I’m getting started:

  • Personal and business capital assessment
  • Entity structure
  • Short and intermediate planning considerations

I’m moving forward:

  • Employee benefit considerations
  • Protecting personal and business objectives while company grows
  • Risk mitigation in event of death or disability

I’m ending this chapter:

  • Succession strategies identified in advance
  • Assessing your readiness in life-after owning a business
  • Retirement forecasting and asset valuation analysis

WE ARE INDEPENDENT AND OFFER A FLEXIBLE APPROACH TO HOW WE CHARGE FOR OUR SERVICES.

Project Based Fee for Time

You have a relationship with another advisor and want a review of the strengths and weaknesses of your current program, alternative ways to pursue goals, and recommended improvements without having to transfer investments.

 

Traditional Asset Management and Financial Planning Fee

You have or are considering the benefits of a disciplined and continuous money management process and ongoing financial planning services charged as a percent of assets under management.

We invite you to leverage our expertise and learn more about how BS&P Wealth Management can help change the way you think about your financial future. No matter what state of being you are in, we can help you transition forward.

Our Team

ROBERT W. ROMEO, CFP®

Education and Training

  • Bachelor’s degree from SUNY Buffalo
  • Master’s degree College of Financial Planning

Industry and Service Specialties

  • Financial planning and investment management for high net worth individuals and business owners
  • 401(k)/pension plan administration
  • Trust and investment management services

Credentials and Designations

  • CFP®

Community Involvement

  • Active member and former Vice Chair of Meals on Wheels Foundation for Western New York
  • Past President of the Estate Analyst of Western New York, Current Member

 

DAVID A. NELSON, CPA

Education and Training

  • B.S. in Business Administration from Rochester Institute of Technology

Industry and Service Specialties

  • Estate & Trust Taxation
  • Contractors
  • Real Estate
  • Auto Dealers
  • Business Valuations

Memberships

  • American Institute of CPAs
  • NYS Society of CPAs
  • Estate Analysts of WNY

Credentials and Designations

  • Certified Public Accountant
  • Certificate of Completion for the AICPA Business Valuation Program

Community Involvement

  • Co-chairman of the Professional Advisors Council of the Community Foundation
  • East Aurora Country Club Finance Committee Member
  • Past President of East Aurora Country Club

Check the background of investment professionals on FINRA’s BrokerCheck.

Resources

Contact Us

BS&P Wealth Management, LLC

726 Exchange Street, Suite 822
Buffalo, New York 14210
716-854-5034
rwr@bspcpa.com

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