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ADVISOR CONNECT - September 2025
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From the Desk of Your Trusted Team:
As summer winds down and we look ahead to the remainder of the year, we are excited to share a few updates from our team.
First, congratulations to Andrew Salak and Taylor Peters, who both recently earned their CERTIFIED FINANCIAL PLANNER™ (CFP®) designations, joining the ranks of 18 other CFP® professionals at our firm. Their commitment to ongoing learning reflects the high standard of advice we strive to provide every day.
We also want to thank everyone who participated in our recent client survey. The feedback was both humbling and energizing for our team. Many of you shared that you value the quality of our advice, the ease of working with us and the relationships you’ve built with your consultants. Your input helps guide our priorities and ensures we are focusing on what matters most to you.
In this issue, you’ll find two timely planning features:
As we approach year-end, our consultants will be reaching out to discuss planning opportunities, including:
Reviewing investment allocations and rebalancing where needed
Identifying tax-loss harvesting opportunities
Maximizing retirement plan contributions and employer benefits
Evaluating charitable giving strategies for tax efficiency
Updating estate and beneficiary designations
Thank you for the trust you place in us. We look forward to connecting in the months ahead and helping you finish the year on strong financial footing.
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Team members enjoying a summer afternoon at Wrigley after a season of hard work.
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Health and Wealth: Five Strategies for Medical Expenses
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by Denisse Merlos, Consulting Analyst
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For individuals and families with significant wealth, medical expense planning is not just about covering costs. It’s about preserving capital, maintaining liquidity and ensuring healthcare needs are met
without disrupting sophisticated investment strategies or generational wealth transfer plans.
Rising healthcare costs, increasingly complex insurance structures and the potential for unexpected medical events require a proactive and... Read More
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Life Insurance: What Role Does It Play In Holistic
Financial Planning Advice?
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by David Thome, CFP®, Principal, Senior Consultant
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Life insurance is often viewed narrowly, both by those seeking retirement planning services and those providing personal financial planning advice, primarily as a tool for replacing income after a premature death. While this is a vital function, it is only
one of several key roles life insurance can play within a well-rounded financial plan. When integrated strategically, alongside effective investment strategies and portfolio management, life insurance can serve as... Read More
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Video: Meaningful Estate Plan Discussions
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| Click Here to Watch |
Team Member Spotlight: Andrew Salak
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What is the
best thing about working at Fiducient Advisors?
Without a doubt the best thing is interacting with our clients. I truly enjoy hearing and learning about how families and organizations have become successful and serving as a strategic advisor for them. Helping clients navigate challenges and achieve their goals is both exciting and deeply fulfilling, and certainly one of the most meaningful aspects of my work at Fiducient Advisors.
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Andrew Salak, CFP®
Principal, Senior Consultant
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Are you currently pursuing any designations?
I recently earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation. This achievement was years in the making and marked an important milestone in my professional journey.
What does a typical workday look like for you?
There is no such thing as a typical workday! Some days are centered around client meetings and calls, others focus on investments and trading, while others could be dedicated to an internal project aimed at making our practice more efficient. The inherent unpredictability of the markets adds yet another layer of variety, making each day unique.
What do you like to do when you’re not at work? Any interesting hobbies or volunteer organizations you work with?
I am an avid racquet sports enthusiast. Tennis, pickleball, ping-pong, etc. you name it. On a recent trip to Puerto Rico, I got the chance to join local players for a morning of beach tennis!
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This report is intended for the exclusive use of clients or prospective clients (the “recipient”) of Fiducient Advisors and the information contained herein is confidential and the dissemination or distribution to any other
person without the prior approval of Fiducient Advisors is strictly prohibited. Information has been obtained from sources believed to be reliable, though not independently verified. Any forecasts are hypothetical and represent future expectations and not actual return volatilities and correlations will differ from forecasts. This report does not represent a specific investment recommendation. The opinions and analysis expressed herein are based on Fiducient Advisor research and professional experience and are expressed as of the date of this report. Please consult with your advisor, attorney and accountant, as appropriate, regarding specific advice. Past performance does not indicate future performance and there is risk of loss.
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