About Us

Thank you for visiting the Wealth Harmonics site. Wealth Harmonics is a strategic retirement planning firm specializing in growing, preserving and efficiently distributing income during retirement years. We also help our clients identify assets that they deem as legacy monies that potentially benefit from strategies such as Roth Conversion, IRA Rescue, or other trust related vehicles to efficiently pass qualified assets to the next generation.

Rob Wheat President, Income Advisor and Annuity Specialist

Robert Wheat is a veteran financial advisor with well over 20 years in the industry. His focus is on individuals nearing or in retirement. As an advisor, he recogizes that managing your money in retirement can be far more complex than managing your money during your working years. He believes that a shift from a "performance" based philosophy to a "preservation" based philosophy is vital for success in your retirement years. Most advisors lack this perspective, choosing to rely on "historical" performance based results as a basis for a strategy looking forward. Integrating a retirement planning approach with a wealth management strategy is essential for those withdrawing money from their nest egg.

Retirement Planning

Have an emergency fund equal to six months’ worth of income. This isn’t strictly a retirement planning goal, but having an emergency fund is the basis for many good financial plans.

Save at least 10 percent of your income for retirement. Many financial gurus advocate for paying yourself first by automatically saving 10 percent of your income for retirement.Shoot to replace 70 to 80 percent of your pre-retirement income during retirement. Many financial advisers will say that you should aim to replace 70 to 80 percent of your pre-retirement income with Social Security, retirement savings or any other retirement income you may have available to you.

Plan to save around eight times your final income for retirement. So if you retire at 65, you’ll need to have saved eight times the amount you’re making per year as of that year.

Why Choose Us?

We are independent

Our independence means that we are not aligned nor limited to offering a pre-set menu of products or services to our clients. Our focus is on you the client first and foremost. Only after insightful questions and careful listening do we set about the process of making product recommendations. We are passionate about helping clients remove financial uncertainty from their lives. In today’s complex and sometimes uncertain financial world, many feel overwhelmed and find it difficult to make an important financial decision. That’s where we come in. We can help clients gain clarity and confidence about their financial future. We take this responsibility very seriously and are committed to providing truly independent, objective advice that makes a difference in our clients’ lives. We are here to serve our clients first, last and always!

Our Skills

We are skilled and knowledgable in many aspects of wealth management.