Core Services

Meet Trinity Wealth Solutions

Trinity Wealth Solutions LLC ("Trinity Wealth" or "Adviser") has been a trusted provider of financial and retirement planning, wealth management, income tax planning, and succession planning services for over 30 years. Our firm, solely owned by Walter Maziarz, CPA, is committed to acting in the best interest of our clients, guided by the core fiduciary duties of loyalty and care. As a registered investment adviser with the State of Michigan, we take our fiduciary responsibility seriously, ensuring that every recommendation and decision is made with our clients' financial well-being as the top priority.

We cater to retirees, individuals 5 to 10 years from retirement and clients’ beneficiaries.  Most of our clients are high-net-worth individuals, families, trusts, and estates. Our comprehensive approach to financial planning and wealth management is designed to meet the unique needs of each client, helping them achieve their financial goals and secure a prosperous future. Whether you are planning for retirement, managing wealth, or seeking advice on tax strategies, Trinity Wealth is here to provide expert guidance and support.

Tailored Wealth Management for Every Client

At Trinity Wealth, we offer both discretionary and nondiscretionary wealth management services tailored to meet the specific needs of each client. Our primary focus is on investing client assets with Charles Schwab, utilizing a diverse range of investment vehicles such as ETFs, index funds, alternative ETF investment strategies, and individual stocks.

To ensure that our investment strategies align with our clients' goals, we use Riskalyze software to determine their risk tolerance, time horizon, and investment objectives. This assessment is conducted during the account opening process and is reassessed periodically to adapt to any changes in our clients' circumstances or market conditions. Based on this comprehensive analysis, we recommend an appropriate asset allocation model and manage the investments accordingly.

Our commitment to personalized service means that we encourage clients to inform us of any significant life changes, such as setting a retirement date or having a child, so we can adjust their investment strategy as needed. We review accounts internally on a daily basis and conduct formal reviews with clients at least annually. This proactive approach ensures that our clients' investments are always aligned with their long-term financial objectives, providing peace of mind and consistent growth.

Your Financial Roadmap to Success

Trinity Wealth offers comprehensive financial planning services designed to provide clients with a clear and actionable roadmap to achieving their financial goals. Utilizing E-Money Software, we deliver detailed analyses and projections that cover every aspect of financial planning, including net worth analysis, cash flow analysis, college cost and savings estimates, estate tax strategies, and plan implementation services.

Our financial planning process begins with a thorough assessment of your current financial situation, including assets, liabilities, income, and expenses. From there, we develop a personalized financial plan that addresses your specific needs and objectives. This plan includes strategies for managing debt, saving for future goals, and optimizing your investment portfolio.

One of the key components of our financial planning services is the implementation of the recommendations. While the execution of the plan is typically at the client's discretion, we provide ongoing support and guidance to ensure that the strategies are effectively implemented and adjusted as needed. This comprehensive approach helps clients navigate life's financial challenges with confidence, ensuring that they are well-prepared for the future.

Secure Your Future with Expert Planning

Retirement and estate planning are critical components of a comprehensive financial strategy. At Trinity Wealth, we provide in-depth analyses and tailored strategies to help you achieve your retirement goals and ensure your estate is managed according to your wishes.

Our retirement planning services include a detailed hypothetical wealth accumulation analysis, which compares your lifetime income needs to your portfolio resources. This analysis helps us assess the probability of achieving your desired financial outcomes and identify any gaps that need to be addressed. We also consider factors such as inflation, market volatility, and changes in your personal circumstances to ensure that your retirement plan remains robust and adaptable.

Estate planning services at Trinity Wealth involve an assessment of estate tax estimates, survivor income projections, and long-term care coverage. We work with you to develop strategies that minimize estate taxes, ensure your loved ones are provided for, and protect your assets from potential risks. Our goal is to help you create a comprehensive estate plan that reflects your values and priorities, providing peace of mind for you and your family.

Maximize Your Tax Efficiency

Trinity Wealth offers a full range of income tax planning and preparation services, designed to help you minimize your taxable income and maximize your financial efficiency. Led by Walter Maziarz, CPA, our tax planning services are tailored to the unique needs of individuals, businesses, trusts, and estates.

Our tax planning strategies include postponing income, shifting income, deduction planning, investment tax planning, and year-end tax planning. By utilizing these strategies, we help you reduce your tax liability and keep more of your hard-earned money. Whether you need assistance with complex tax issues or simply want to ensure that your tax return is accurate and optimized, our team is here to provide expert guidance and support.

In addition to tax planning, we assist clients in preparing their federal and state income tax returns. This service is provided through Maziarz Tax Service LLC, a separate entity dedicated to delivering high-quality tax preparation services. By integrating tax planning with our broader financial planning and wealth management services, we ensure that all aspects of your financial life are aligned and optimized for success.

Making Informed Decisions About IRA Rollovers

When considering rolling over assets from a qualified employer-sponsored retirement plan to an Individual Retirement Account (IRA), it's important to understand the advantages and disadvantages of each option. Trinity Wealth provides comprehensive advice to help you make informed decisions that align with your financial goals.

Typically, plan participants leaving an employer have four options: leave the money in the former employer's plan, roll over the assets to a new employer's plan, roll over the assets to an IRA, or cash out the assets and pay the required taxes on the distribution. Each option has its own set of benefits and drawbacks, which should be carefully evaluated.

Factors to consider include fees and expenses, investment options, services, penalty-free withdrawals, protection from creditors, required minimum distributions, and employer stock. While rolling over assets to an IRA managed by Trinity Wealth can provide personalized investment management, it also involves additional fees and expenses. We encourage you to discuss these considerations with your accountant, third-party administrator, or legal counsel to make the best decision for your financial situation.

Who We Serve

Trinity Wealth Solutions provides comprehensive financial and retirement planning, portfolio management, and income tax services to retirees, individuals 5 to 10 years from retirement and clients beneficiaries.  Most of our clients are high-net-worth individuals, families, trusts, and estates. We are committed to delivering personalized solutions that meet the unique needs of each client, helping them achieve their financial goals and secure their future.

We typically require a minimum of $25,000 to open and maintain an advisory account. However, this minimum account size may be waived at our discretion, particularly for clients with significant potential for increasing their assets under management. We also offer the flexibility to combine account values for you, your minor children, joint accounts with your spouse, and other related accounts to meet the minimum requirement.

Our goal is to build long-term relationships with our clients, providing them with the expert guidance and support they need to thrive financially. Whether you are just starting your financial journey or looking to optimize your wealth management strategy, Trinity Wealth is here to help.

Keeping You Informed and Involved

At Trinity Wealth, we believe that regular communication and transparency are key to successful wealth management. We conduct annual account reviews with our clients, providing a comprehensive assessment of their financial planning and asset allocation requirements. These reviews are led by Walter Maziarz, ensuring that clients receive expert advice tailored to their unique needs.

In addition to annual reviews, we provide customized reports to help clients stay informed about their investments. Common reports include balance sheets, asset allocation reports, and asset detail reports. These reports are designed to give clients a clear and detailed understanding of their financial situation, empowering them to make informed decisions.

Clients also receive statements no less than quarterly from a qualified custodian, detailing account holdings and activity. This regular reporting ensures that clients are always aware of their investment performance and can track their progress toward their financial goals.

By maintaining open lines of communication and providing detailed reporting, Trinity Wealth ensures that clients are well-informed and actively involved in their financial planning and wealth management.