Tax-Out Financial Solutions

Tax-Out Begins with YOU

Taxes are a fact of life and an area overlooked by most financial advisors. At WMGNA, we specialize in tax optimization strategies with on-going financial planning designed to potentially maximize your wealth. We have a saying, “Your taxes affect everything you do, and everything you do affects your taxes.”

Most tax professionals do an excellent job with tax preparation. However, opportunities to realize savings in taxes and other financial expenses can be overlooked during tax preparation time. Working in concert with your tax preparer and armed with an understanding of your financial and tax circumstances, we construct strategies designed to reveal tax and financial savings.

WMGNA’s tax-out approach ensures that your financial solutions are in continuous alignment with your life situation and goals…now and into the future!

Any one may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury; there is not even a patriotic duty to increase one's taxes.

- Judge Learned Hand

Investing… For You Now and Into the Future

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Ask these questions:

Do you feel sometimes like a square peg going into a round hole when getting investment advice?
Are your investments put into prescribed templates, models, or hexagons?
Does your advisor use catchphrases to describe what they are going to do for you?

This way of investing is antiquated, and rarely has any connection to your financial goals much less your tax strategy.

Case Study

Two individuals, a 25-year old and 65-year old, each just inherited $500,000. Both say their goal is maximum growth, as this is extra money. If they both go to the same traditional financial advisor, it is almost certain they will end up with the same investments, due to having the same risk score. Not only is this incorrect, but it is a big stumbling block in the financial industry, we call this advisor myopia!

Your Money will be Managed:

Individually - Tailored to you and your taxes.
Transparently - You will always know what you are getting.
Proactively - Changes occur based upon your needs.

True Success™ =
Great Lifestyle + Money × the Time to Enjoy It

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If we told you the key to True Success was within your reach... would you grab it? Often elusive to grab on your own, WMGNA can help you get your hands on it!

While your family, friends, or business associates may have the same amount of investments, income, and home value, this does not mean that your investments and plan should be carbon copies.

At WMGNA, our focus is on what is important TO YOU about money. We ask questions like:

What did your parents teach you about money?
How have you handled money decisions in the past?
Who are the most important people you want to take care of?

We develop your plan based upon your answers and more. We believe money is a means to an end, but it is not an end. Time is the great equalizer, and we all only have 24 hours in a day...How do you want to spend your time?

Too often advisors focus solely on your money, instead of focusing in on what is important about money to YOU!

A Subscription Model that is Flexible

Your stage in life**, financial and tax solutions designed by us, along with the services you need, will determine your subscription and cost. WMGNA’s monthly subscription service is unique to the financial industry. There are no hidden fees, none, never.

Your onboarding consultation process will be thorough and will go far beyond traditional information gathering. Your Tax-Out Financial Solutions Plan™ will be comprehensive, fit neatly into your budget, and include all the services you will require. You will know precisely what you are getting.

If you are like most and don’t have the time or want to spend your time doing your taxes and finances; click on our interactive chart below to see what service model is right for you...Advanced or Basic?

Note – We also provide hourly consultative services, contact us.

Stage of Life = What Stage of Restylement™ are You?

We retired the word Retirement. Restylement™ is a dynamic approach to your life and it evolves as you do. Age is not the main factor, your Great Lifestyle is, along with the amount of money that you have, will determine how you will live out your life.

Pre-
Restylement

More than 5 years until you want to stop working

Advanced

You:

Gross Income $250k+
Net Worth of $500k+

Issues, but not limited to:

Stock Options
Small Business / Pension Consulting
+ Basic Below

Services:

Annual Tax Approximator
Plan Updated Annually
Quarterly Portfolio Reviews
+ Basic Below

Basic

You:

Gross Income $150k+
Net Worth of $250k+

Issues, but not limited to:

Tax Reduction
Educational Funding
401k / Pension

Services:

Dedicated Advisor
Taxes Done by a CPA
Plan Updated Bi-Annually
Semi-Annual Portfolio Reviews
App that Aggregates all your Accounts

Restylement™

Less than 5 years or recently stopped working

Advanced

You:

Gross Income $250k
Net Worth of $2M+

Issues, but not limited to:

Small Business / Pension
Tax Reduction
Multi-Generation Planning
+ Basic Below

Services:

Annual Tax Approximator
Plan Updated Annually
Quarterly Portfolio Reviews
+ Basic Below

Basic

You:

Gross Income $150k+
Net Worth of $1M+

Issues, but not limited to:

Income and Cash Projections
IRA / 401k Consolidation
Pension Analysis
Social Security – when to take
Long-Term Care Planning

Services:

Dedicated Advisor
Taxes Done by a CPA
Plan Updated Bi-Annually
Semi-Annual Portfolio Reviews
App that Aggregates all your Accounts

Post-
Restylement

Not working & wanting to start transferring your wealth

Advanced

You:

Net Worth of $5M+

Issues, but not limited to:

Tax Reduction
Real Estate / Business Transfer
Comprehensive Multi-Generation
+ Basic Below

Services:

Annual Tax Approximator
Plan Updated Annually
Quarterly Portfolio Reviews
+ Basic Below

Basic

You:

Net Worth of $2M+

Issues, but not limited to:

IRA Required Distributions (RMD) Solutions
IRA Consolidation
Long-Term Care Planning

Services:

Dedicated Advisor
Taxes Done by a CPA
Plan Updated Bi-Annually
Semi-Annual Portfolio Reviews
App that Aggregates all your Accounts

About Us

History of WMGNA

Founded in 1995, WMGNA is a financial advisory firm headquartered in Farmington, CT. Its innovative business model involves a monthly subscription service, separate from investment management. WMGNA employs a tax-out approach to financial planning. With two offices and clients in 28 states, our growth attests to the success of its unique formula. WMGNA's core values remain steadfast:

Cultivating a culture of passionate, dedicated professionals, prioritizing the growth of the team and our subscribers. Unwavering intellectual curiosity drives our organization, ensuring WMGNA prioritizes subscribers’ needs over its own.

WMGNA crafts solutions that are designed to bring peace of mind and prides itself on delivering their Formula for True Success ™: Great Lifestyle + Money x The Time to Enjoy it! Our custom-tailored approach includes tax preparation by our strategic CPAs, with subscribers retaining the option to pay monthly.

WMGNA's Mission: Provide tax-out financial solutions, optimizing savings on taxes and other financial expenses with comprehensive management of clients' financial affairs.

Quick Growth Produces WMGNA

The unique business model worked and SFS began expanding into other states - 27 in total. To better reflect its growth, SFS changed its name in May of 2000 to Wealth Management Group of North America, LLC (WMGNA). Although the name was new, the mission was not.

Working with professionals such as, CPA’s, lawyers, bankers, insurance specialists, and money managers to help develop strategies for our clients to make sure they made smarter choices with their money.

More Focus on Tax-Out™ Financial Solutions

In August of 2020, in coordination with our 25^th year anniversary, WMGNA rebranded its message to Tax-Out Financial Solutions to better match what we do. We all know too well that taxes are a fact of life, however it is an area overlooked by most financial advisors.

WMGNA’s Tax-Out Financial Solutions Plan™ begins with a complete understanding of your personal tax situation and then we build-out your financial plan to reveal all your tax and financial savings.

So, that is where we are at today. Our approach ensures that your financial solutions are in continuous alignment with your life situation and goals…now and into the future!

Brian Beck and Dan Friedman illustration

Our Team

Daniel J. Friedman

CEO

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Daniel J. Friedman illustration

Daniel J. Friedman

CEO

860-679-5255
daniel@wmgna.com

Daniel J. Friedman is a Founding Partner and CEO of WMGNA, LLC Tax-Out Financial Solutions™, a firm that employs a tax-out approach to financial planning. He is a frequently sought-after guest on the local major TV outlets and characteristically delivers his opinions in an interesting and humorous manner and always has a fun and unique take. If you ask him, you will find out. He has been featured in several prominent industry magazines as well. Mr. Friedman serves on the Advisory Board for The Miracle League of Connecticut. He also served on the Connecticut State Insurance and Risk Management Board from 2013-2019. Mr. Friedman received a Bachelor of Arts in History from Denison University in Granville, OH. He is the loving father of three adult sons.

Jake Sapia

G2Tax-Out Advisor

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Jacob P. Sapia is a Tax-Out Advisor at WMGNA, LLC Tax-Out Financial Solutions™, a firm that employs a tax-out approach to financial planning. WMGNA is headquartered in Farmington, CT, with an additional office in Boca Raton, FL. He works in our Farmington, CT office directly with subscribers to develop personalized financial and tax solutions to achieve True Success™.

Jake meets the intense education, training and ethical standards to earn the designation of Certified Financial Planner®(CFP), which is the “standard of excellence for financial planners”. Prior to joining WMGNA, LLC, he was a Financial Planner with Prudential for over 3 years providing comprehensive financial advice to individuals and families.

Jake grew up in the small-town Middlefield, CT and graduated from Coginchaug Regional High School where he was the captain of the basketball team and played varsity baseball. He received his Bachelor’s Degree in Economics with a minor in Psychology from Roger Williams University, achieving recognition into the Alpha Chi National College Honor Society.

Currently, Jake resides in East Hampton, CT on Lake Pocotopaug where he enjoys spending time with friends and family as well as staying active by playing basketball, weight-training, running, cycling, and fishing. He is also an avid fan of UCONN Basketball, the New York Yankees and New York Giants.

Brian P. Beck, CPWA®

President & CFO

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Brian P. Beck illustration

Brian P. Beck, CPWA^®

President & CFO

561-666-3075
brian@wmgna.com

Brian P. Beck, CPWA® is a Founding Partner, President, and CFO of WMGNA, LLC, a Tax-Out Financial Solutions™, a firm that employs a tax-out approach to financial planning. WMGNA is headquartered in Farmington, CT, with an additional office in Boca Raton, FL.

He is a Certified Private Wealth Advisor^®(CPWA), a designation offered through the Investments & Wealth Institute. The CPWA^® was created in partnership with the University of Chicago Booth School of Business for financial advisors who have worked with high net worth individuals.

In 2010, Brian won the Hartford Business Journal's prestigious CFO of the Year Award for the Small Private Company category. He has been featured in various publications and news outlets, such as The Hartford Courant, the Hartford Business Journal, Parent Magazine, Fortune Small Business, and NBC Channel 30.

Born in Bloomfield, CT, Brian graduated from Bloomfield High School. He continues to give back to the school with the annual "Alan L. Beck Award," a scholarship presented to the top academic athlete.

After high school, Brian attended Emory University, where he graduated with a Bachelor of Business Administration, with a focus in marketing and finance. While at Emory, Brian revived and played on the school's baseball team, which had been defunct since 1950.

In 2008, Brian helped establish the Emory University Baseball Alumni Association, and today serves as a Board Member. He also supports the University of Hartford baseball team, has served on their Athletic Development Committee, and sponsors the annual "Alan L. Beck Award" for the top scholar baseball player.

Brian's love for sports can be seen on the walls of his offices, where he has an exclusive collection of sports memorabilia and autographs that where attained directly from the athletes themselves. The most unique of which is his Boston Celtic Ball Boy jersey, which he wore from 1979–1985, Michael Jordan's autograph from his rookie season, and appearance contracts drawn up by Brian's father for Joe DiMaggio, Reggie Jackson, and Don Mattingly.

Brian currently resides in Delray Beach, FL, with his two daughters and wife, Noa. Noa is a Radiologist specializing in women's imaging. "Over the last 25+ years it has been my pleasure working with so many interesting and wonderful people." – Brian Beck

Christopher J. Powers, AAMS®

Wealth Advisor

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Christopher Powers illustration

Christopher J. Powers, AAMS^®

Wealth Advisor

860.679.5255
chris@wmgna.com

Christopher J. Powers is a Wealth Advisor of WMGNA, LLC, a Tax-Out Financial Solutions firm that specializes in tax optimization strategies with ongoing financial planning to maximize their client’s wealth. WMGNA is headquartered in Farmington, CT, with an additional office in Boca Raton, FL.

Chris successfully completed his AAMS (Accredited Asset Management Specialist) certificate from the College of Financial Planning. The AAMS enables Chris to identify opportunities not only in investments but also in the areas of insurance, taxes, and estate planning.

Before joining WMGNA, Chris started his career in January of 1995, working for Advest, Inc. for 10 years in their Hartford, CT office. In November of 2005, he moved to RBC Capital Markets, LLC Farmington, CT office, where he stayed until he joined WMGNA in December 2018.

Chris has always prided himself on developing long term relationships with his clients, helping them with every aspect of their financial needs. The philosophy of combing tax optimization strategies with ongoing financial planning led him to make the move to WMGNA.

Chris grew up in Simsbury, CT, and graduated from Simsbury High School. After high school, he attended Bentley College, where he graduated with a degree in finance. He is an avid fan of the Boston Red Sox, Celtics, and the New England Patriots and resides in West Hartford, CT, with his wife Heather, daughter Katie and dog Zoe.

chris@wmgna.com

Beth S. Martin

Director of First Impressions

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Beth S. Martin illustration

Beth S. Martin

Director of First Impressions

860.679.5255
beth@wmgna.com

Beth is a graduate of Clemson University where she earned a Bachelor of Business Administration. She has 12 years of experience in the managed healthcare industry, working in sales support, product training, and provider relations.

Beth joined WMGNA, LLC in February of 2012. As Director of First Impressions, she is responsible for providing a warm and welcoming atmosphere for all of our guests. She supports the company by preparing for meetings, answering general questions, planning events, maintaining an efficiently run office, and ensuring WMGNA clients receive exceptional service.

Immediately prior to joining WMGNA, Beth spent twelve years at home raising her three children. She resides in West Hartford, Connecticut with her husband, Rod. She enjoys reading, hiking, biking, and spending time with her family.

Darlene M. Galayda

VP, Client Relations

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Darlene M. Galayda illustration

Darlene M. Galayda

VP, Client Relations

860.679.5255
darlene@wmgna.com

Darlene M. Galayda is the VP of Client Relations at WMGNA, LLC. The longest full-time tenured team member, she joined WMGNA back in 2005. Darlene provides concierge-level service to our clients, ensures the efficient flow of information within the firm, and has direct oversight of the Client Relations department.

Before joining WMGNA, Darlene worked for 3 years as casualty representative processor at Allstate in Farmington, CT. Darlene grew up in Bristol, CT, and graduated from Bristol Central High School. After high school, she attended Marist College in Poughkeepsie, NY, where she earned a B.S. in marketing.

Darlene resides in West Hartford with her dog, Indy. She enjoys working out, reading, and hiking with Indy.

Stacee D. Schnurr

Controller

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Stacee D. Schnurr illustration

Stacee D. Schnurr

Controller

860.679.5255
stacee@wmgna.com

Stacee D. Schnurr is the Controller at WMGNA, LLC. She joined the team as a part-time bookkeeper in 2003 and has worked in several different capacities over the past 20+ years including Human Resources, Finance, and Customer Relations.

Stacee is originally from Norwood, Massachusetts, and attended Bryant University in Smithfield, Rhode Island, where she obtained a BS/BA in business. She and her husband Terry moved to northern Virginia to be closer to her children and grandchildren. Prior to moving she lived with her family in Farmington, CT for 25 years.

Stacee works remotely from her home. Outside of work, she enjoys reading, traveling, volunteering, practicing and teaching yoga, and spending time with family and friends.

Vicky Frye

Director of FinTech Innovation and Cybersecurity Strategies

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Vicky N. Frye is the Director of FinTech Innovation and Cybersecurity Strategies at WMGNA, LLC, where she joined the team in 2023. In this role, she oversees finance technology, with a primary focus on enhancing and automating the delivery of financial services. Additionally, she manages the cybersecurity for the company ensuring compliance with SEC requirements to protect client data.

Vicky started her career in the United States Air Force, where she honed her skills as a computer programmer and network administrator. Transitioning to the private sector, Vicky held positions as a system engineer at IBM and Pfizer. Following her corporate tenure, Vicky made the choice to prioritize her family, taking time off from her career to focus on raising her children. Upon re-entering the workforce, Vicky took on a role as a CEO connector, managing the Connecticut and New York branches of CEO Trust.

Vicky maintains strong ties to her hometown of Bristol, CT, where she resides with her husband, Brian, and their two children, Brandon and Gabriella. She is a certified health coach and is described as a passionate Yankees fan and enjoys reading, cooking, sports, and spending time with family and friends.

Stephanie Grubb

Client Relations Manager

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Stephanie is a Client Relations Manager at WMGNA, LLC. Stephanie joined the WMGNA team in October, 2023 and provides exceptional service to our clients through meeting prep, account paperwork and consistent, top notch communication.

Prior to joining WMGNA, Stephanie was the Director of Client Services for another wealth management firm, spent several years in the hospitality industry and also attended Central Connecticut University for Tourism and Hospitality Management. Stephanie has a passion for working with people and it shows in her work with WMGNA.

Stephanie was born and raised in Central Connecticut and has two children, Catalina and Mateo. She enjoys crafting, playing board games and going on adventures with her Chocolate Lab, Tucker.

The price of anything is the amount of life you exchange for it.

- HENRY THOREAU

Tax-Out Financial Solutions

Tax-Out Begins with YOU

- Judge Learned Hand

Investing… For You Now and Into the Future

Case Study

Your Money will be Managed:

True Success™ = Great Lifestyle + Money × the Time to Enjoy It

Too often advisors focus solely on your money, instead of focusing in on what is important about money to YOU!

Stage of Life = What Stage of Restylement™ are You?

Advanced

Basic

Advanced

Basic

Advanced

Basic

About Us

History of WMGNA

Quick Growth Produces WMGNA

More Focus on Tax-Out™ Financial Solutions

Our Team

Daniel J. Friedman

CEO

Brian P. Beck, CPWA®

President & CFO

Christopher J. Powers, AAMS®

Wealth Advisor

Beth S. Martin

Director of First Impressions

Darlene M. Galayda

VP, Client Relations

Stacee D. Schnurr

Controller

Media

Contact Us

Contact

Office Hours

Headquarters

Florida Location

True Success™ =
Great Lifestyle + Money × the Time to Enjoy It

Brian P. Beck, CPWA^®

Christopher J. Powers, AAMS^®