Expertise You Can Trust
At CWA we have considerable experience working with those who serve us. Just as first responders are dedicated to our community, we are equally dedicated to them. We currently work with several local firehouses and paramedic teams, providing their volunteers with resources necessary to build a sturdy financial foundation. In addition, one of our very own, Frank Conte, has been a volunteer firefighter in o region sine the 1970s.
Benefits for Our Clients
Specialized Expertise
Personalized Services
Commitment to Excellence
Deep Community Ties
Our Services
At CWA we recognize the incredible dedication and sacrifice that first responders make every day. Whether you’re a police officer, firefighter, EMT, or healthcare worker, your commitment to keeping our communities safe and healthy deserves recognition – and the best financial planning services available. Our specialized First Responders/Heroes Financial Services are designed to address your unique financial needs and goals while you serve on the front line.
Retirement Planning
Pension Analysis – Understand and maximize your pension benefits, including early retirement options and payout strategies.
Supplemental Savings – Create and manage retirement savings plans like 401(k)s, IRAs, and Roth IRAs that complement your pension.
Income Replacement Strategies – Develop strategies to replace your income in retirement, ensuring a smooth transition from work to retirement.
Investment Management
Risk-Tolerant Portfolios – Build and manage investment portfolios that reflect your risk tolerance, time horizon, and long-term goals.
Tax-Efficient Investing – Utilize tax-efficient strategies to maximize the growth of your investments while minimizing tax liabilities.
Ongoing Portfolio Monitoring – Regularly review and adjust your investment portfolio to stay aligned with your evolving financial goals and market conditions.
Insurance & Risk Management
Life and Disability Insurance – Protect yourself and your loved ones with life and disability insurance tailored to the unique risks of your profession.
Long-Term Care Planning – Plan for potential long-term care needs to ensure financial stability for you and your family.
Estate Planning
Wills and Trusts – Ensure your assets are distributed according to your wishes with carefully crafted wills and trusts.
Beneficiary Planning – Review and update beneficiaries on retirement accounts, life insurance policies, and other assets.
Legacy Planning – Create a legacy plan that reflects your values and provides for your loved ones.
Education Planning
College Savings Plans – Set up and manage 529 plans or other education savings accounts to fund your children’s education.
Financial Aid Guidance – Get advice on maximizing financial aid opportunities and scholarships for your children.
Tax Planning
Tax Optimization Strategies – Implement strategies to minimize your tax burden, taking into account your specific deductions and credits available to first responders.
Year-Round Tax Planning – Benefit from proactive tax planning that adjusts to changes in tax laws and your personal circumstances.
Retirement Tax Strategies – Plan for tax-efficient withdrawals from retirement accounts and other investments.
Secure Your Financial Future Today!
