Forward Thinking,
Independent, Financial Advice

Welcome to

Two Rivers Wealth Management

Our first priority is helping our clients take care of themselves and their families. We want to learn more about each client's personal situation, identify their dreams and goals, and provide them with the highest level of service.

Our mission is to help identify what matters most to each of our clients and develop a plan together that aligns their goals with their investments. We accomplish this through comprehensive financial planning and investment management. As fiduciaries, we are committed to always acting in our clients’ best interests. The team of professionals we partner with shares this fiduciary responsibility and provides the advice needed to help execute each client’s financial plan with care and integrity.

We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth. We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

“Life is like the river, sometimes it sweeps you gently along and sometimes the rapids come out of nowhere.”

- Emma Smith

Our Team

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

Chuck Block, CHFC, CLUWealth Advisor

Jason McConnaughay, CFPOperations Manager

Tami OstromClient Relationship Manager

Eric Parnell, CFAChief Market Strategist

Nick DalessandroSenior Associate, Asset Management

Kaela FrenchmanAssociate, Asset Management

Evan CoffeyAssociate, Asset Management

Our Services

Our mission is to help clients work toward financial independence through planning. We want to spend time with clients to determine their goals and objectives, time horizon, risk tolerance, and help them make suitable financial decisions for their future. Our mission is to build a long-term relationship with me, their valued and knowledgeable advisor. We aim to accomplish this through education, training, integrity, and outstanding client service.

Retirement Planning

Our firm specializes in helping individuals develop sound retirement strategies. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth. We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to our client's financial well being.

Investment Management

Our asset management process goes beyond security selection by considering tax efficiency, illiquid investments, asset protection, debt analysis, and cash flow. We work with bonds, common stock, educational and traditional IRA's, Simple, Roth and SEP IRA's, brokerage accounts, treasury bills, government securities, treasury notes, and variable annuities.

Insurance

Protecting clients against all the ‘what ifs’ in life means considering what happens if the worst, or best, comes along. A well-crafted plan highlights the possible but is flexible enough to mitigate the improbable. Our insurance services include Disability Income Insurance, Life Insurance, and Long-Term-Care Insurance.

Financial Planning

We provide comprehensive financial planning services tailored to a variety of needs and life stages. As fiduciaries, our entire team works closely with each client, hand in hand, always acting in their best interest. Every recommendation we make is guided by your unique goals and dreams, with a clear focus on helping you achieve them. Our financial planning options include retirement, tax, 401(k), 403(b), college, estate, money purchasing and profit-sharing plans.

Our Process

We create strategies tailored to our client's needs and goals. Years of experience have prepared us to guide people through each life transition, and one of our primary goals is to develop long-term, trusting relationships.

Phase 1

Discover

In our initial meeting, we identify goals, priorities, preferences, and potential obstacles while establishing expectations and discovering if the partnership is the right fit.

Phase 2

Plan

Next, we use our gathered intelligence to develop a detailed, personalized financial roadmap based on a client's priorities while focusing on key milestones and objectives.

Phase 3

Nurture

We aim to protect our clients from potential issues and guide them through life's most challenging transitions as they work toward our shared vision of financial independence.

Insights

Growth Opportunities

Artificial Intelligence has moved from buzzword to backbone. It dominates headlines, moves markets, and is reshaping the future of technology…

A Storm Is Coming

Boy: “Hay una tormenta en camino.” Sarah Connor:  “What did he just say?” Gas Station Attendant: “He said there’s a…

Bond. Long Bond.

James Bond: “I admire your courage, Miss…?”Sylvia Trench: “Trench, Sylvia Trench. I admire your luck, Mr…?”James Bond: “Bond. James Bond.”…

Heavy is the Crown

Heavy is the head that wears the crown. While equity markets have staged a powerful recovery since bottoming in April…

Restless Uneasy Feeling

“I get this feeling I may know you, as a lover and a friend, but this voice keeps whispering in my other…

So Fresh, So Clean

“Ain’t nobody dope as me, I’m just so fresh, so clean” –So Fresh, So Clean, OutKast, 2000 Gator belts and…

Frequently Asked Questions

We assess fees in two different ways:

Fee for service – a fixed fee assessed on a project/one-time basis or recurring basis (sometimes described as a subscription or retainer fee), depending upon the nature of the relationship.
Asset based fees – a fixed percentage fee determined by the size of your household accounts in our asset management program. Fees vary by relationship, but most pay 1% or less on an annual basis. Asset-based fees are paid quarterly, in advance, and deducted directly from client investment accounts.

No, but we require a minimum annual fee of $7,500.

By assessing a fee minimum, rather than an account size minimum, it allows us to provide objective advice over all aspects of your financial household, not just the funds we directly manage. This is because there is not always a correlation between the value of investments someone has under our management and the level of guidance and planning the relationship requires. We will review all fees annually, and more frequently, as needed, should the nature of our relationship change (i.e. a large liquidity event).

Our clients are financially successful and often share certain characteristics, including but not limited to:

Many have achieved a high level of success within their field, often within technology, medicine or professional services.
Their financial situation involves complexities beyond the norm which require expertise in navigating sensitive income tax matters, managing a sizeable investment portfolio, coordination between various types of investments, estate and trust matters that extend beyond the basics, and an awareness of how all financial matters interact with one another.

The first phase of our relationship, onboarding, takes approximately 2-3 months and consists of a series of meetings where we define your goals, gather information, make recommendations, and put your plan into motion. Once onboarding is complete, your ongoing financial needs will be cared for as we continue to nurture and monitor the wealth you have created. This phase is a perpetual cycle designed to keep your financial plans on-track over time – we argue that this is the most valuable part of the services we provide.

Great Valley Advisor Group (GVA) is an SEC Registered Investment Advisor (RIA). While maintaining an RIA affiliation is necessary given our choice to operate as investment advisors and the regulated nature of our industry, we strategically aligned with GVA as we feel they provide best in class advisor technology, asset management resources, compliance oversight and back-end operations to support our business. Clients may notice the GVA name appearing in important documents such as our ADV disclosures and form CRS. Additionally, the GVA name appears on key documents that clients sign, including our Client Engagement Agreement (CEA) and Consulting Services Agreement (CSA), both of which govern our client relationships from a legal perspective.