Meet the Team
The Advocacy Advantage™
A client-centered retirement planning system designed to help you move into retirement with clarity, confidence, and long-term protection.
Our Philosophy
Putting You at the Center of Every Decision
The Advocacy Advantage™ represents a fundamental shift in how retirement planning should work. Rather than focusing on products, account balances, or one-size-fits-all strategies, this approach places you at the center of every decision we make together.
Our goal is elegantly simple yet profoundly important: to advocate for you by coordinating all the critical areas of retirement planning so nothing is overlooked and no single risk can derail your carefully built plan. We believe retirement planning should be about your goals, your concerns, and your vision for the future.
This isn't about selling you something, it's about building something together that works specifically for you and adapts as your life evolves.
Integrated Strategy
The Five Pillars of the Advocacy Advantage
At its core, the Advocacy Advantage™ integrates five essential elements of retirement planning into one cohesive strategy. These components don't work in isolation, they work together, creating a comprehensive approach that addresses your complete financial picture.
Client Advocacy First
Every recommendation begins with what is in the client’s best interest. Wingate acts as an advocate, helping clients understand their options and make informed decisions with confidence
Income Centered Planning
Create dependable income streams you can count on throughout retirement, regardless of market conditions.
Risk Management
Protect against market volatility, longevity risk, healthcare costs, and unexpected life events.
Tax-Aware Coordination
Minimize unnecessary taxes and improve your net income through strategic tax planning.
Continuity of Care
Adapt your plan continuously as life evolves, laws change, and your goals shift over time.
When these five elements are properly coordinated, they create a retirement plan that is resilient, flexible, and built to last.
Five Principles
The Five Foundational Principles
The Advocacy Advantage™ is built upon five foundational principles that guide every recommendation, every conversation, and every decision we make on your behalf. These principles ensure your retirement plan remains focused on what matters most: your financial security, peace of mind, and long-term success.
Client Advocacy First
Your Advocate, Not a Salesperson
Every recommendation we make begins with one fundamental question: What is in the client's best interest? This isn't just a tagline; it's the foundation of how Wingate Wealth Consultants operates.
We act as your advocate, helping you understand all available options, navigate complex financial decisions, and make informed choices with complete confidence. You'll never be pressured into a decision, and you'll always understand exactly why a particular strategy makes sense for your unique situation.
Our success is measured by your confidence and peace of mind, not by products sold or commissions earned.
Income-Centered Planning & Risk-Managed Growth
Building Sustainable Income Streams
Retirement planning is fundamentally different from accumulation planning. During your working years, the focus is on building wealth. In retirement, the focus shifts to creating reliable income you can depend on for decades.
Income-centered planning means designing strategies that generate sustainable cash flow rather than simply watching account balances fluctuate with the market. We help you understand how much income you'll need, where it will come from, and how to ensure it lasts throughout your lifetime, and potentially your spouse's lifetime as well.
This approach provides the foundation for confident retirement living, knowing your essential expenses are covered regardless of what happens in the markets.
Growth with Protection
Growing your wealth in retirement is still important, but it must be balanced with protecting what you've already built. Risk-managed growth means pursuing returns intentionally while carefully safeguarding your principal and income sources.
We align growth strategies with your personal comfort level, time horizon, and stage of life. For many retirees, this means transitioning away from aggressive accumulation strategies toward more balanced approaches that emphasize preservation alongside measured growth.
The goal is progress without unnecessary exposure, building your nest egg while ensuring you can sleep soundly at night, knowing your retirement security isn't at the mercy of market volatility.
Tax-Aware Coordination & Continuity of Care
Strategic Tax Planning
Taxes can be one of the largest expenses in retirement, yet they're often overlooked until it's too late. Tax-aware coordination means integrating tax planning into every aspect of your retirement strategy from the very beginning.
We help you understand how different income sources are taxed, when to draw from which accounts, how to minimize Required Minimum Distributions, and strategies to reduce your lifetime tax burden. This coordination can preserve significantly more wealth, improve your net income, and reduce long-term tax exposure.
It's not about what you earn or save, it's about what you get to keep and spend in retirement.
Ongoing Partnership
Retirement planning isn't a one-time event where you sign some papers and you're done. Life changes. Laws change. Markets change. Your goals and priorities evolve. That's why continuity of care is essential.
Wingate Wealth Consultants provides ongoing guidance, regular reviews, and proactive adjustments to ensure your plan remains aligned with your current circumstances and future objectives. We monitor legislative changes, reassess your risk tolerance, adjust for major life events, and refine strategies as needed.
You'll never wonder if your plan is still on track, we'll make sure it is, year after year.
Your Partnership
An Ongoing Partnership Built on Trust
More Than a Plan: A Commitment
The Advocacy Advantage™ is not a one-time solution, a product you purchase, or a static document that sits in a drawer. It is an ongoing partnership between you and Wingate Wealth Consultants, a commitment to education, coordination, and long-term advocacy.
This approach reflects our dedication to helping you build a retirement you can feel genuinely confident about, not just today but for years and decades to come. We're here to guide you through every stage of retirement, from the transition out of your working years through legacy planning and beyond.
With the Advocacy Advantage™, you gain more than a financial plan. You gain a trusted partner who puts your interests first, a clear roadmap for your retirement journey, and the peace of mind that comes from knowing someone is always looking out for your best interests.
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