Tax-Efficient Retirement & Wealth Planning

Supporting Your Retirement Goals with Coordinated Planning

Financial planning and investment strategies designed to support retirement goals, manage taxes, and align investments with your personal plan.

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A Coordinated Approach to Retirement Planning

At Obsidian Wealth Advisors, we provide guidance that integrates investment management, retirement planning, and tax considerations. We help clients explore questions like:

How can I manage 401k and IRA withdrawals to be more tax-aware?
How can my retirement income strategy align with my overall portfolio?
What strategies can help coordinate income, investments, and taxes in retirement?

Our goal is to help clients make informed decisions and develop a personalized plan that aligns with their retirement objectives.

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Our Core Services to Support Your Retirement Goals

Financial Planning

Comprehensive retirement planning focused on coordinating income, investments, and tax awareness. We help clients create a plan suited to their retirement objectives.

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Investment Management

Investment guidance aimed at aligning portfolios with clients’ financial plans. Portfolios are structured to consider long-term goals, risk tolerance, and tax-awareness.

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Tax Strategies

Guidance on strategies that may help manage taxes on retirement income, including withdrawal sequencing and potential Roth conversion considerations.

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Charitable Giving

We help clients consider ways to coordinate charitable giving with retirement and investment planning, alongside other tax-aware strategies that may support their objectives.

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How can I manage taxes on my retirement account withdrawals?

It starts with looking at the different accounts you have and deciding the best order to take money out. Small choices, like timing or considering a Roth conversion, can make a difference. We help you see your options so you can make informed decisions.

How do I coordinate my retirement income with my investment portfolio?

Your income and investments work best when they’re in sync. We help you align Social Security, pensions, and retirement accounts with your investments so your money supports your goals.

What is it like working with Obsidian Wealth Advisors?

We treat every client like family. Our team takes the time to get to know you and your goals, and we work together to guide you through retirement planning in a way that’s understandable and approachable. You’ll always know who to talk to, and we’re here to answer questions along the way.

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Meet Our Team

Our team brings decades of experience helping clients align their money with what matters most.

Jeffrey Artherholt, CFP®

Financial Planner

jeff@obsidianwa.com

Jeffrey Artherholt, CFP® is a CERTIFIED FINANCIAL PLANNER® professional with over two decades of experience guiding individuals and families through meaningful financial transitions. As co-founder of Obsidian Wealth Advisors, Jeff...

Steven Curry, CFP®

Financial Planner

steve@obsidianwa.com

Steven has 17 years of experience in the financial services industry. He is a graduate of the Rutgers Business School (New Brunswick, NJ) with a...

Bill Berg, CFP®

Financial Planner

bill@obsidianwa.com

Bill guides pre-retirees and recent retirees in building retirement income plans that are simple, tax-smart, and confidence-inspiring.

Courtney Linstra

Registered Client Service Associate

courtney@obsidianwa.com

Courtney Linstra has worked in the investment industry for over 20 years including positions held in client service, account transition and trading. She earned her...

Vince O'Brien

Financial Planner (Retired)

vince@obsidianwa.com

Vince joined the industry in 1979 on a part-time basis, while still involved as a very successful educator and a coach of football and wrestling at Fort Lee High School. He is a member of the Fort Lee High School Athletic Hall of Fame,...

Dino Kostakis, CFP®, CRPC®, CLU®, ChFC®

Financial Planner

dino@obsidianwa.com

Dino is a seasoned financial advisor with more than 35 years of experience helping clients navigate the complexities of wealth management. Before joining Obsidian Wealth Advisors in 2024, he served as President of Stonebridge Capital...

Ed Schuler, ChFC®, AIF®, NSSA®

Financial Planner

ed@obsidianwa.com

Ed Schuler is a financial advisor with Obsidian Wealth Advisors and over 33 years of experience, specializing in comprehensive financial strategies, retirement planning, business and estate planning, insurance, and employee benefit...

Karen DeMarco

Operations

karen@obsidianwa.com

Karen graduated from York College of Pennsylvania with a BS in Marketing and has worked in the financial industry since 1988. She holds the Series 7 and Series 24 FINRA licenses and is licensed for life and health insurance. Before...

Kathyrn Murtha

Executive Assistant

kathyrn@obsidianwa.com

Born and raised in New Jersey, Kathryn brings a passion for finance and a dedication to supporting clients and the team at Obsidian Wealth Advisors. She handles operations for Ed Schuler, ensuring the firm runs smoothly and efficiently...

Why Work With Obsidian?

At Obsidian Wealth Advisors, we focus on supporting clients with retirement planning, investment guidance, and tax-aware strategies. Here’s what sets us apart:

Coordinated Planning

Investment, retirement income, and tax considerations are integrated to help clients make informed decisions.

Independent Advice

As ficuciary advisors, we focus on your goals rather than selling products or investment solutions.

Personalized Approach

Each plan is designed around your priorities, comfort level, and retirement objectives.

Start Discussing Your Retirement Planning Approach

Book a consultation to explore how a coordinated approach to investments, retirement income, and taxes can help support your retirement objectives.

Schedule Your Intro Call