Since 1984 our firm has helped clients take the right steps now to help assure a confident financial future. From an informed and objective vantage point, we integrate retirement planning with investment advice, income tax, estate, and elder care planning. Our goal with each client is to develop a trusted, long term relationship, hallmarked by thoughtful, highly personal and responsive service. 

We specialize in working with individuals beginning with planning for their retirement and then guide them through the various life cycle transitions thereafter.  We seek to go beyond merely planning finances to helping to plan lives as a trusted advisor.  We help our clients to identify their most important goals, guided by the values most important to them, then develop plans to help attain these goals.

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Disclosure Information


(1) A broker-dealer, investment adviser, BD agent or IA rep may only transact business in a particular state after licensure or satisfying the qualifications requirements of that state, or only if they are excluded or exempt from the state's broker-dealer,  investment adviser, BD agent or IA rep requirements, as the case may be; and

(2) Follow up, individualized responses to consumers in a particular state by broker-dealer, investment adviser, BD agent or IA rep that involve either the securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment adviser, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

(3) For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA rep, a consumer should contact his or her state securities law administrator.

Disclosure Information

This site contains links to related outside sites. The site also contains information provided by identified third parties. Such information and opinions provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. All information on the site is given for informational purposes only and is not a solicitation to buy or sell any securities mentioned. The information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice designed to meet specific needs of an individual investor. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

Retirement Wealth and Tax Advisors (RWTA) was transitioned from Wealth & Tax Advisors, Ltd. (W&TA)
a predecessor partnership, which was separated into separate businesses in October 2003.


Retirement Wealth & Tax Advisors (RWTA)
Investment Advice provided through Cetera Advisors LLC, a Registered Investment Advisor
Securities offered through Cetera Advisors LLC, a Broker-Dealer
 Member FINRA and SIPC. RWTA and Cetera Advisors LLC are not affiliated.