Wealth Management in Phoenix AZ
Your retirement should be about enjoying the life you’ve built—not worrying about whether your investments, tax strategies, and estate plans are working together. At Godsey & Gibb Wealth Management, we help Phoenix area retirees protect their wealth through one coordinated strategy that synchronizes investment management with tax planning under one roof.
Financial Advisors for High Net Worth Clients in Phoenix AZ
If you’ve spent years working with separate advisors—one for investments, another for taxes, maybe a third for estate planning—you know the frustration. Recommendations conflict. Opportunities slip through the cracks. And you’re left wondering if anyone is looking at your complete financial life.
Most wealth management firms in Phoenix AZ serve everyone from young professionals to business owners to retirees, spreading their attention thin across vastly different needs. Pre-retirees and retirees deserve a firm focused specifically on the challenges you face: preserving what you’ve accumulated, generating reliable retirement income, and transferring wealth to the next generation efficiently.
Godsey & Gibb Wealth Management was built to eliminate that fragmentation. Our team of wealth advisors and in-house CPAs works together to create a comprehensive approach where your investment portfolio and tax strategy reinforce each other—rather than operating in silos. We focus on wealth preservation over aggressive growth because at this stage, protecting your assets matters more than chasing returns.
Our Approach – Retirement Planning in Phoenix AZ
Fiduciary financial advisors
We are legally bound to put your interest first, eliminating conflicts that can compromise advice at commission-driven institutions
Tax planning, financial planning, and investments advisors under one roof
Our in-house CPA team collaborates directly with your financial advisor, ensuring investment decisions considers tax implications
Rigorous investment selection process
Rather than defaulting to broad mutual funds or ETFs, we conduct thorough research to build your entire portfolio with purpose
Dedicated wealth advisor building deep family relationships
You work with professionals who know your history, your family, and your goals—not a rotating cast of representatives
This isn’t financial planning by checklist. It’s genuine guidance from a team invested in your success.
Our Process – Phoenix AZ Wealth Management
Step 1: Comprehensive Wealth Assessment
Every relationship begins with a conversation. During your initial consultation, we take time to understand your retirement goals, risk tolerance, and the life you want to live. We review your current investments, tax situation, and estate planning needs to identify gaps and opportunities.
This assessment examines everything from your retirement plan distributions and Social Security timing to how Arizona’s tax rules might benefit your situation.
Step 2: Synchronized Strategy Development
With a clear picture of where you stand, our team creates a coordinated investment and tax strategy. Your wealth advisor works alongside our in-house CPA team to develop an approach that considers multi-year tax bracket management, Roth conversion timing, Required Minimum Distribution scheduling, and other tax considerations.
We also develop a multi-generational wealth planning approach aimed to help your assets transfer efficiently to children and grandchildren. Proper planning can preserve significantly more of your legacy.
Step 3: Ongoing Management and Optimization
Financial strategy isn’t something you set and forget. We provide regular portfolio monitoring and rebalancing aligned with your retirement timeline. Market conditions change. Tax laws evolve. Life happens.
Our team provides annual tax preparation integrated with your investment strategy, ensuring the plans we create actually get implemented. You receive strategic planning updates as circumstances shift, whether that’s a change in federal RMD rules or a new opportunity to lessen your tax burden.
What Makes our Phoenix Financial Advisors Different
The Phoenix market has no shortage of financial advisors and wealth management firms. What matters is finding one aligned with how you want to retire.
tax planning for retirees in phoenix
Unlike firms that hand off tax work to outside CPAs, our professionals work together daily, ensuring your financial strategy and tax preparation are fully synchronized
Focus on approaching and current retirees
We specialize in the unique challenges you face, from retirement income planning to estate transfer strategies
Access to investment decision-makers
You can speak directly with our investment team about specific securities or our methodology—complete portfolio transparency
Our Wealth Management Services in Phoenix AZ
Investment Management
We construct customized portfolio strategies aligned with your retirement timeline and risk tolerance. This includes regular monitoring and rebalancing to keep your investments on track with your goals.
Our approach emphasizes wealth preservation through dividend-focused stocks, fixed income allocations, and positioning designed with the intent to protect against market volatility.
Tax Strategy & Preparation
Our in-house CPA team provides tax preparation for investment clients, eliminating the disconnect between advice and implementation. Beyond annual filing, we deliver coordinated tax planning strategies designed to minimize your lifetime tax burden.
This includes managing your tax bracket across retirement, timing Roth conversions strategically, optimizing capital gains and losses, and ensuring you take full advantage of any Arizona tax benefits for retirees.
Retirement & Estate Planning
Comprehensive retirement income planning ensures your resources last throughout your lifetime. We help you coordinate Social Security, pensions, retirement account distributions, and other income sources into a sustainable withdrawal strategy.
Multi-generational wealth transfer strategies help you preserve and protect assets for children and grandchildren. With federal estate tax exemptions currently at $15 million for individuals ($30 million for married couples), many Phoenix families likely won’t face estate taxes—but proper beneficiary designations, trust structures, and succession planning still matter significantly.
Meet Your Local Phoenix Financial Advisor
Emil Pichardo, CFP®
Wealth Advisor
Chandler, AZ
With over 30 years of experience in the financial services industry, Emil’s background is expansive and includes work in client services, financial advisory, holistic planning, risk oversight, supervision, and human resources. He brings broad experience in supporting clients and colleagues while maintaining a focus on operational effectiveness and regulatory standards. Outside of work, Emil cherishes time with his wife, Tonja, their growing family of three adult children, six grandchildren, and their Aussie-doodle, Gia. He also enjoys travel, functional fitness, time with friends, and staying active in his church community.
Frequently Asked Questions
What is the minimum to work with your firm?
We require $500K in minimum investable assets to uphold our commitment to top-tier service. This threshold allows us to provide the dedicated attention, personalized strategies, and integrated tax planning that our clients deserve. Managing fewer, larger relationships means we can truly serve as your partner rather than processing transactions.
How do you charge for wealth management services?
Our fee structure is transparent and based on assets under management:
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1% annually for the first $1 million in AUM
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0.75% annually for AUM from $1 million to $2 million
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0.50% annually for any AUM above $2 million
This fee is the only compensation we receive to serve as your investment firm. Tax preparation services are provided for investment clients at an additional cost as part of our integrated approach.
Do you serve clients outside the Phoenix area?
Yes. While we maintain deep roots in Richmond and surrounding communities including Henrico, Chesterfield, and Goochland counties, we also serve clients through additional office locations and virtual service capabilities if that’s your preference. Our commitment to personalized service extends regardless of how you prefer to meet.
What makes working with you unique?
Several things distinguish our firm:
- In-person meetings if you wish—we value face-to-face conversation and relationship building
- Personalized service with a synchronized approach that coordinates every aspect of your financial life
- Access to our investment team if you’d like to discuss specific securities or our methodology
- No 800 number—only our team responding to you promptly and personally
- Education and preparedness for your family, ensuring spouses and heirs understand your financial situation and plans
We’re not a large institution where you become lost in the system. We’re a team of professionals committed to your family’s financial future.
Start Your Wealth Management Journey Today
If you’re ready to stop managing fragmented financial relationships and start working with a firm that coordinates your investments, taxes, and estate planning into one strategy, we’d welcome the opportunity for a conversation.
Fill out our contact form to schedule an initial consultation. This meeting is entirely no-obligation—an opportunity for us to learn about your situation and for you to determine if our approach is right for your needs.
You’ve worked hard to build your wealth. Now let’s create a plan to protect it.
Our Phoenix Office Location
3100 W Ray Rd Suite 201
Chandler, AZ 85226
Business Hours
| Monday – Friday* | 8:30AM – 5:00PM |
| Saturday – Sunday | Closed |
*Our Phoenix, AZ location observes the NYSE stock exchange closures.