Correct Capital Wealth Management Emphasizes Family Wealth and Estate Coordination Planning

Correct Capital Wealth Management, a registered investment adviser, is emphasizing its family wealth planning process and the coordination of estate and legacy elements as clients review multi-generational considerations near the close of the year. The firm’s approach organizes decisions across investment management, retirement planning, tax-aware strategies, risk management, and estate coordination so that priorities remain aligned over time.

Correct Capital Wealth Management, LLC is registered with the U.S. Securities and Exchange Commission as an investment adviser. Fiduciary obligations apply in the context of the firm’s investment advisory services.

The firm does not draft legal documents such as wills or trusts; estate planning document preparation and other legal advice are provided through select third parties. The firm coordinates with clients’ CPAs and estate attorneys so that beneficiary designations, trust strategies where used, and related elements can be reviewed alongside retirement and tax planning. Estate and legacy work may include reviewing beneficiary designations, considering gifting approaches, clarifying wealth transfer goals, and addressing charitable intentions as part of a broader plan.

Brian I. Pultman, CFP®, Founder and CEO of Correct Capital Wealth Management, entered the financial services industry more than 30 years ago and established the firm as an independent registered investment adviser in 2018. The independent structure supports the firm’s stated approach of Independent, Objective, and Unbiased advice.

“Family wealth planning looks at how decisions in one area affect the others, including how assets may pass to the next generation,” stated Pultman. “The process begins with understanding the family’s priorities and then builds a coordinated framework that can be adjusted as circumstances change.”

Family wealth planning at the firm covers investment management that accounts for different risk considerations across life stages, retirement planning that accounts for income needs and withdrawal strategies, tax-aware decision-making, and risk management reviews that may include life insurance, disability protection, and liability considerations. Estate and legacy planning forms one component of this framework, focusing on continuity across generations, protection for loved ones, and alignment of charitable intentions.

Business succession planning is addressed when family wealth includes a privately held business, examining ownership transition, liquidity, and coordination with personal goals. The overall process starts with understanding what matters to the family, clarifying long-term goals and organizing priorities, building a coordinated strategy, and then monitoring and adjusting the plan over time. Scenario modeling tools are used to illustrate potential outcomes without treating any projection as certain.

Johnathan Horman and Justin Volkmar, Lead Financial Advisors and Retirement Plan Specialists at Correct Capital Wealth Management, work with families and business owners on comprehensive planning. Horman holds an MBA from Saint Louis University and built his experience in retirement planning and portfolio management at firms including Wells Fargo Advisors and Northwestern Mutual. Volkmar has more than 20 years of experience in financial services, holds an MBA, and approaches his work as serving as a client’s “family CFO.”

“Near the end of the year, many families revisit beneficiary designations, gifting strategies, and how current decisions may affect future transitions,” commented Horman. “Our role is to help connect those reviews to the rest of the plan so that investment, retirement, and legacy elements remain consistent.”

Correct Capital Wealth Management continues to apply this framework for individuals and families at various life stages. The period approaching year-end provides a practical opportunity to confirm that beneficiary designations are current, that estate coordination with outside professionals reflects any recent changes in circumstances, and that the overall plan still matches stated priorities for wealth transfer and family support. Ongoing adjustments are part of the process, with reviews occurring as life events or market conditions warrant.

Coordination of estate elements with investment and retirement planning is intended to help identify potential inconsistencies, such as mismatched beneficiary designations or strategies that do not align with tax or income objectives. These practices do not guarantee specific wealth transfer results, investment performance, or protection against market losses, changes in tax or estate rules, or other risks. All investing and planning involve the risk that actual results may differ from projections. Past results are not indicative of future outcomes.

Correct Capital Wealth Management is an independent, privately held wealth advisory firm founded in 2018 and based in Clayton, Missouri, in the St. Louis area, serving clients locally and nationwide. The firm provides investment advisory, comprehensive financial planning, family wealth planning, retirement planning, and related services to individuals, families, businesses, and institutions. As a registered investment adviser, it is committed to acting in clients’ best interests under a fiduciary standard in the context of its advisory services and delivers advice through its Independent, Objective, and Unbiased approach. The firm’s name reflects family history connected to founder Brian Pultman’s grandfather and the earlier Correct Cap Company.

Frequently Asked Questions

What is tax-aware financial planning?

Tax-aware financial planning treats tax considerations as one part of the overall financial plan, not as a separate exercise. At Correct Capital Wealth Management, it means looking at taxes alongside investment management, retirement planning and related decisions. The firm coordinates with clients’ CPAs and estate attorneys so these decisions are considered together.

What does a tax-aware review typically include?

A review may look at where assets are held, the order and timing of retirement account withdrawals, and planning for required minimum distributions. It may also consider the timing of capital gains and deductions, potential Roth conversions, and charitable giving approaches. For example, it may assess qualified charitable distributions from an IRA for those aged 70½ or older. Each item is evaluated in the context of the client’s full situation and goals.

Why review tax-aware strategies near the end of the year?

The final quarter is a practical time to revisit assumptions, update projections where circumstances have changed and check that tax-aware choices still fit the broader plan. Many clients review contribution levels, potential Roth conversions and charitable strategies alongside their investment and income plans. These reviews are part of an ongoing plan, not a single-year exercise.

Disclosures

Advisory services offered through Correct Capital Wealth Management, LLC, an Investment Adviser registered with the U.S. Securities & Exchange Commission. This material is for informational purposes only and is not intended as personalized investment, tax, or legal advice. All investments involve risk and, unless otherwise stated, are not guaranteed. Investment strategies and tax planning approaches should be evaluated based on individual circumstances and in consultation with appropriate professionals.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security and are subject to change. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. As always, please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Correct Capital Wealth Management LLC is not a law firm and does not provide legal advice to clients. All Estate planning document preparation and other legal advice are provided through select third parties.

Correct Capital Wealth Management, LLC is a registered Investment Adviser registered with the U.S. Securities & Exchange Commission. Advisory services are only offered to clients or prospective clients where Correct Capital Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Correct Capital Wealth Management, LLC unless a client service agreement is in place.