You have dreams for yourself, your family, and your business. You will find through our educational philosophy; our planning process is designed to help you achieve better results without all the risk. How we accomplish that is unique. When we are engaged in your financial planning process, we look at those decisions through a fiduciary perspective. Our personalized approach and experience help us understand your current story and identify opportunities that help increase financial profitability and quality of life.
Wahby Financial Group, LLC is a full-service wealth management firm that helps clients with protection planning, wealth management and retirement planning, estate and legacy planning, business succession and exit planning, executive benefits, and philanthropy.
Behind the Logo
A colorful spinning Kaleidoscope is the logo of Wahby Financial Group, LLC, symbolizing the unique beauty in each life, and the changing emotions, needs, wants and abilities that guide people on their individual paths. The spinning bits of brilliant jewels are constantly changing shapes and colors...these are like the days of our lives. No two days are alike. No two people are alike. There is always a new way to look at life. Marcel Proust said, "The real voyage of discovery is not in seeking new landscapes, but in having new eyes." With our new eyes keenly focused on your multidimensional, ever-changing, exciting future, and our kaleidoscopic array of talent, special needs experience and economic insight, Wahby Financial Group, LLC is here to help you build wealth for life.
We believe in our community, and people supporting people. The Wahby Financial Group team supports many of our local non-profit organizations such as, Angelwood, Inc, Pace Center for Girls, Jacksonville Women's Network, and BEAM.
“The real voyage of discovery consists not in seeking new lands but seeing with new eyes.”
Marcel Proust
Our Services
Family Protection
We help determine if you and your family is properly protected from premature death, disability, or a long-term care event.
Taking into account your needs, goals, and tolerance for risk, we will work with you to bring clarity to what you want to achieve and how to get there.
Here at Wahby Financial Group LLC, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle.
Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden.
Fidelity Clearing & Custody Solutions: Custodian of your investment account
Envestnet: Technology organization dedicated to proving digital access to your account, portfolio tools, and performance reporting.
Envestnet PMC: Monitors the performance of the products and managers available on Envestnet.
eMoney: Your personal financial website, courtesy of Wahby Financial Group. This is the main financial planning software we use that will also aggregate all external accounts. Some examples include:
Asset and Liabilities Assessment
Income and Expense Analysis
Cash Flow Projections
Tax Planning Expertise
The Macro Asset Perspective® Process
Wahby Financial Group is proud to be certified to offer the Macro Asset Perspective® planning process. Through this unique educational approach, we can help you better plan for retirement. Whatever stage of life you are in, whether you are working to grow your assets or your assets are working to provide your retirement income, you are likely to glean value from the principles, processes and strategies found in the Macro Asset Perspective®.
The Macro Asset Perspective® helps you implement a balanced approach to your personal accumulation and income combining time-tested principles of risk management with sensible strategies for long-term tax-reduction giving you the potential to increase your net spendable income in retirement.
While this process was originally developed for a physician's network on the west coast and high-tech engineers in the Silicon Valley, it has been successfully adopted by people of all walks of life and taught at workshops for employees at a number of Fortune 500 companies. Use the carousel below to learn more about the Macro Asset Prospective® planning process.
Introduction
We use a proprietary process called MAP, or Macro Asset Perspective®. In this process, our advisors deal with protection of assets, accumulation of wealth, building retirement income that cannot be outlived and leaving a lasting legacy.
The Process
During our process, first we introduce the scope of the work that we do and explain how New York Life provides products and services solutions to our clients. From there, we engage our clients in a Discovery process to uncover their objectives and current financial state... [Read More]We then do a thorough Analysis of the Discovery Data and engage our team of professionals to develop a Summary Plan and Recommendations. We then Educate our clients as to their options and help them take Action to implement the plan. For many of our clients, they will then move from the MAP Foundations process to the full MAP, which more deals with the accumulation and placement of assets. Our goal is to develop lifetime partnerships with our clients to add value for them.[Read Less]
Our Role
In this process, we act as a Problem-Solving Coordinator for our clients. We interact with the client’s team of professionals, develop action items and follow-up on those items to ensure that the plan is implemented.
Digging Into the MAP
The 12 green boxes in the image to the left represent the foundation of risk management planning. From there, our certified MAP Advisors can create a more comprehensive asset allocation model of your current assets and cash flow.
“Let us be grateful to people who make us happy; they are the charming gardeners who make our souls blossom.”
Date: Friday 8/21/2020 Time: 6:30PM Location: Facebook Live Virtual Gala
Event Details: Wahby Financial Group is a proud sponsor of the Angelwood Live Gala. The gala benefits children, adults, seniors, and families living with intellectual and developmental differences such as Autism, Cerebral Palsy, Down syndrome, and Spina Bifida.
Robin Wahby, CLU®, is the owner and CEO of Wahby Financial Group founded in July of 2013. Robin is a self-proclaimed corporate “drop out” after becoming the Managing Partner for New York Life Insurance Company for 20 years in Jacksonville, Florida. Robin was in charge of retail life, annuity and investment sales, recruiting and developing and helping advisers scale their practices. Robin felt the heart tug to go back and work with clients directly and opened her insurance and wealth management firm in 2013. Robin loves to welcome all people to her offices in Jacksonville Beach and helps people mainly with retirement needs, contingency planning and estate planning. Robin also works with business owners and non-profits.
Robin is the current President of Angelwood, Inc. in Jacksonville, a non-profit that she has been involved with for 20 years that takes care of the developmentally disabled community. Robin serves the finance committee for the statewide Pace Center for Girls as well. Robin is also on the board of the Jacksonville Women’s Network.
Robin attended the University of Maryland, College Park and majored in Finance. Her CLU® designation was attained from the American College in Bryn Mawr, Pennsylvania.
Robin is married and has one daughter and a very cute golden retriever, Bear, who is the office’s mascot and source of much joy for all who visit.
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Rachel Padgett is a professional in the financial services industry, currently serving as a
Registered Representative. She earned her degree from the University of North Florida,
showcasing a dedication to education and continuous learning.
Rachel is passionate about empowering individuals financially and has been a valued
partner at Wahby Financial Group since 2014. As a professional, Rachel takes charge of
the firm's "policy appraisal" process. This unique process comprehensively analyzes
clients' life insurance policies and investment contracts. Through this process, Rachel
gives many clients unexpected insights, such as hidden fees or unaddressed risks in their
financial portfolios.
Rachel's role as the Vice President of the National Association of Insurance and
Financial Advisor Northeast Florida Chapter in 2023 and her Million Dollar Round Table
membership showcase her commitment to excellence and industry expertise.
Beyond her professional accomplishments, Rachel is actively involved in philanthropy
and community development. She proudly contributes her skills to the Development
Committee for Angelwood, Inc. and is a co-chair for their annual Gala.
With a unique blend of professional success and community engagement, Rachel
Padgett continues to be a driving force in the financial industry, making a meaningful
difference in the lives of those she serves.
Rachel, originally from Boca Raton, Florida, has cultivated a deep love for boating, a
passion rooted in her upbringing. Together with her husband, Kevin, they recently
embraced the joys of parenthood with the arrival of their son, Cameron.
She enjoys being outdoors with her two dogs, Hazel and Falkor. Additionally, she enjoys
bike riding on the beach, attending concerts, and cheering for the Jacksonville Jaguars!
Ashley Blume is an Independent Agent with Wahby Financial Group in Jacksonville Beach, FL. She is committed to and very passionate about helping individuals retire successfully and achieve peace of mind by protecting their families and businesses.
Like many of her clients, Ashley has a strong desire to give back to the community. She previously served on the board of First Coast Rotaract and is involved with Angelwood, a local charity whose mission is to improve the quality of life for children and adults with developmental disabilities and their families.
She was chosen for the 2019 JAX MVP class with the Jaguars Foundation. Selected for her role as a local emerging leader in the community, Ashley was part of a development team that helped support the Jaguars Foundation and the Jacksonville Community.
Ashley is a native to Huntingtown, Maryland. She received a bachelor’s degree in business administration with a minor in finance and marketing from Flagler College in St. Augustine, FL. She currently lives in Neptune Beach with her dog, Toby, and spreads her time between Wahby Financial Group and the Broome Legacy Group.
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Michele has been in the financial industry for over 25 years and has a Chartered
Financial Consultant designation through The American College.
She has worked with various insurance and financial products throughout her career and
assists Wahby Financial Group financial advisors with their client's product and service
needs.
Michele enjoys classical music and has taught piano to children and adults for many
years. Currently, her exceptional student is the piano chair for The Jacksonville
Symphony Youth Symphony.
Grayson joined Wahby Financial Group in November 2023. A recent business graduate
from Covenant College, Grayson has started his career with Wahby Financial. He is a
licensed assistant for Robin Wahby and her team to help manage client databases and
dashboards. Grayson is a big believer in the importance of a story and wants to help
clients feel secure in theirs.
Growing up in Georgia, Grayson avidly loved the mountain region and moved closer to it
for his studies. In his spare time, you can find Grayson in the kitchen trying new recipes
and sharing his culinary creations with family and friends.
Business Services
Here at Wahby Financial Group LLC, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and help you execute customized strategies to help entrepreneurs meet their objectives. Some of our key services are detailed below.
Executive Benefits
The success of most businesses is tied in to the talent, passion, and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.
Succession Planning
Succession planning allows owners to retire from their business within their own time frame, while preparing for the company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business. We can provide financial strategies for succession planning.
Key Person Insurance
Key person life insurance offers a death benefit that helps indemnify an employer for the loss of one of its most important assets—the key person. This can help assure continuity of the business for employees, customers, and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.
Funding Buy-Sell Agreements
A buy-sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money if the event occurs.
Funding Deferred Compensation
Deferred compensation is a written agreement between an employer and an employee in which the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed to them at a predetermined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees. We provide funding strategies for deferred compensation.
Group Employee Benefits
Group Disability
Group Life Insurance
Group Health Insurance
Group Long Term Care Insurance
401k and Simple IRA Plans
Employee Educational Workshops
Family Protection
We help determine if you and your family is properly protected from premature death, disability, or a long-term care event. We help individuals and families find innovative, cutting-edge products and services to help them grow, protect and conserve their wealth. To help you execute a sound retirement strategy, asset and income protection are important. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.
Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.
Estate and Legacy Planning
A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected. We will work with you and your advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your family’s needs. With our strategic partner, The Nautilus Group, we will review estate planning documents and many times will help find ways to improve your current strategies.
Elements of an Estate Plan
Living Will
A living will, also known as an advance directive, is a declaration of the life-sustaining medical treatments you will or will not allow in the event you become incapacitated. Absent a living will, the laws in your state will determine who will make your health-care decisions.
Medical Power of Attorney
A medical power of attorney authorizes a person to make medical decisions on your behalf- ideally to carry out what you have specified in your living will. It is recommended that you consult with your power of attorney first to be sure the person understands your wishes, is comfortable with them, and will be strong enough to carry them out even if family members may object.
Financial Power of Attorney
A financial power of attorney allows you to designate someone to perform actions for you should you become ill, incapacitated, or otherwise unable to manage your affairs. This could include paying bills, selling securities, or making major financial decisions on your behalf. Without a power of attorney, your loved ones will have to go through the delay and expense of seeking approval from the court to carry out needed financial transactions.
Revocable Living Trust
A revocable living trust (RLT) is an arrangement whereby you transfer ownership of property into a trust during your lifetime. An RLT can be used as a substitute for a will in many respects by providing for the distribution of assets upon your death. Unlike a will, an RLT can be established to govern the distribution and use of the trust assets during your lifetime, which can make it a useful planning tool in the event you become incapacitated.
Will
A will is a legal document that stipulates where you want your estate’s assets to go after debts and taxes are paid and who is going to oversee the administration of your estate upon death. It also specifies who will care for your minor children. Without a will, your property would pass according to your state’s intestacy statues, which could be counter to your intentions. Generally, it is recommended that you have your will reviewed by an attorney at least every three or four years and upon the occurrence of major life events such as the birth of a child or grandchild, the marriage of a child, divorce, or the death of an heir.
Special Needs Planning
A special needs trust (SNT), a specific type of irrevocable trust is created to hold property for a beneficiary with special needs. If you have a loved one with special needs, you might consider creating an SNT that is administered as soon as possible after your death. The SNT will name a guardian or guardians and ensure that the right amount of assets and income are available to provide your love one with the best quality of life possible. It is highly advisable that you work with an estate-planning attorney who specializes in special-needs planning.
Business Owners
Typically, a business owner’s business is the largest asset in an estate. Therefore, succession planning is highly advisable to determine who your successor will be or how you wish to divide the business, or whether your business should be sold upon your death.
Trusts
A trust is like a will in that both trust and will documents are written sets of instruction detailing the transfer of property. A will, however, takes effect only at your death, whereas a trust can take effect both during your life and after your death. In addition, most trusts deal only with specific assets or property. A will governs the overall distribution of nearly everything that makes up your estate.
Wealth Management and Retirement Planning
Taking into account your needs, goals, and tolerance for risk, we will work with you to bring clarity to what you want to achieve and how to get there. Some of our key services are detailed below.
401(k) and IRA Rollovers
When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.
Neither New York Life Insurance Company nor its agents offer tax advice.
Wealth Management
Through Eagle Strategies LLC, a wholly owned subsidiary of New York Life Insurance Company, we work with our clients to design and implement a variety of wealth accumulation and management plans, offering investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to help ensure management of investment assets according to your goals, risk tolerance and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.
Financial Planning
Through Eagle Strategies LLC, we provide personalized financial planning to our clients that is specific to several variables, including their income, risk tolerance, values, and family. We work with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and help you execute a plan, and assess the performance of the plan and make adjustments as needed.
Philanthropy
Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals.
Special Needs Planning
Eagle Strategies LLC
The Nautilus Group®
The Nautilus Group® is an exclusive resource accessible to Member Agents working with affluent, high net worth and business owner clients. Nautilus provides a range of consultative services and technical case design to support its Member Agents in presenting estate, business, charitable, insurance and retirement strategies to their clients and their clients' advisors in these key areas: Family Protection, Estate and Legacy Planning, Business Succession and Exit Planning, Executive Benefits, and Philanthropy.
Since every client has unique requirements, The Nautilus Group® staff and its Member Agents employ an individualized case development strategy, working on a team basis with the clients' professional advisors.
Member Agents of The Nautilus Group®, through their expertise and commitment to this team approach, can provide resources, services and solutions that help their clients work with their own professional advisors to attain clarity on their financial situation and also help achieve their business and estate planning objectives.
This consultative process fosters an understanding between the client, the Nautilus Member Agent, and the client's circle of advisors. Working hand in hand with the Nautilus staff, Member Agents present their clients with state-of-the-art planning strategies and customized case analyses designed to meet the clients' complex objectives. The one-on-one case design process used by Nautilus is tailored to the unique requirements of each client, achieving a better understanding of the complex needs and goals of each individual.
The Nautilus Group® is located in Dallas, TX and is staffed by an elite team of professionals experienced in law, taxation, accounting, business, insurance, finance and philanthropic planning. This team provides dedicated support for Nautilus Member Agents, an elite group of experienced insurance and financial industry leaders, firmly committed to a team planning concept.
The Nautilus Group® is a service of New York Life Insurance Company. Neither The Nautilus Group®, its member agents, nor its staff provide tax, legal or accounting advice. Clients are urged to seek the advice of their own professional advisors before implementing any planning strategies.
New York Life
Robin Wahby, Guzman Castro and their fellow financial professionals are proud to be affiliated with New York Life Insurance Company. New York Life and its wholly owned subsidiaries provide life insurance, fixed annuities, and long-term care insurance. A mutual insurance company, New York Life is one of the largest mutual life insurance companies in the United States, and holds the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody's Investor Service (Aaa), and Standard & Poor's (AA+). (Source: Third-Party Ratings Reports as of 9/12/19.)
NYLIFE Securities
NYL Investments is a service of New York Life Insurance Company. They provide a multi-layered structure of asset managers with a highly specialized focus on investment management, processes and philosophies. Being a service of NYL Insurance Company allows NYL Investments to have a unique advantage and therefore allows Wahby Financial Group to offer the best investment knowledge to their clients.
Wahby Financial Group LLC | Jacksonville Beach, FL
