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# Concentric Wealth Management

We AIM - Assets & Income Management

## Sitemaps

- [XML Sitemap](https://www.concentricwealthmgmt.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Insights](https://www.concentricwealthmgmt.com/insights/)
- [Equity Compensation Strategies: Turning Company Stock into Lasting Wealth ](https://www.concentricwealthmgmt.com/equity-compensation-strategies-turning-company-stock-into-lasting-wealth/) - By: Nicholas R. Groman, Esq., CFP® For many executives, professionals, and key employees, equity compensation can represent one of the most powerful wealth-building opportunities of their career. Stock options, restricted stock units (RSUs), employee stock purchase plans (ESPPs), and performance shares can create substantial financial upside, but they also introduce complexity, concentration risk, and tax exposure that require careful planning. Without
- [Q2 / Q3 2026 Market Update: The Long and Winding Road](https://www.concentricwealthmgmt.com/q2-q3-2026-market-update-the-long-and-winding-road/) - Much like the “Long and Winding Road” made famous by The Beatles, the year’s journey has included unexpected turns, shifting conditions, and more than a few moments when the destination seemed uncertain. The second quarter brought renewed geopolitical tension, sharp swings in energy prices, persistent inflation concerns, changing expectations for monetary policy, and continued debate
- [2026 Mid-Year Market Check-In: Looking Beyond the Headlines](https://www.concentricwealthmgmt.com/2026-mid-year-market-check-in/) - The first half of 2026 has reminded investors of one of the market's oldest lessons: uncertainty is not the exception, it’s the norm. Markets have navigated a remarkable combination of resilient corporate earnings, evolving monetary policy, rapid technological innovation, and an increasingly complicated geopolitical backdrop through the first half of the year. Though headlines continue
- [Women and Wealth: Building Confidence Through Financial Clarity ](https://www.concentricwealthmgmt.com/women-and-wealth/) - There is a massive shift happening right now. Women are controlling more wealth than ever before, launching businesses at historic rates, and increasingly taking the lead on household financial decisions. Yet, a persistent paradox remains, the financial confidence gap. Despite managing complex careers and households, many women still feel underprepared or anxious when it comes to long-term wealth management,
- [Retirement Distribution Planning: Why the 4% Rule Is No Longer the Default](https://www.concentricwealthmgmt.com/retirement-distribution-planning-why-the-4-rule-is-no-longer-the-default/) - By Tim Powell For decades, retirement income planning revolved around a single number: 4%. The idea was simple. Withdraw 4% of your portfolio each year, adjust for inflation, and your money should last roughly 30 years. It was elegant, memorable, and easy to explain—which is why it stuck around. But while retirement itself has changed
- [Seeing the Forest Through the Trees: Q1/Q2 2026 Market Update](https://www.concentricwealthmgmt.com/q2-2026-market-update/) - The first quarter of 2026 reminded investors how easy it is to get lost in the trees. The year began with a constructive backdrop: economic growth was positive, inflation was moderating, corporate earnings expectations were supportive, and central banks were moving gradually toward easier policy. That changed abruptly late in the quarter as geopolitical conflict
- [Maximizing the New Senior Tax Deduction: Strategies for 2025–2028](https://www.concentricwealthmgmt.com/maximizing-the-new-senior-tax-deduction-strategies-for-2025-2028/) - by Dean Johns As part of the 2025 tax legislation, a potential enhanced deduction for seniors was introduced for individuals who are at least age 65 by the end of the tax year. This $6,000 per-person deduction effectively served as a substitute for the proposed elimination of taxes on Social Security benefits, which was not
- [Love and Money: Financial Planning for Couples at Every Stage](https://www.concentricwealthmgmt.com/love-and-money-financial-planning-for-couples-at-every-stage/) - Money and relationships are deeply intertwined. From newlyweds navigating joint budgets to retirees planning legacies together, couples face pivotal financial decisions at every life stage. When approached with intention and collaboration, financial planning can strengthen not just your balance sheet—but your bond. At Concentric Wealth Management, we help couples align their financial goals with their
- [“Trump Accounts” for Kids: A Simple Guide for Parents](https://www.concentricwealthmgmt.com/trump-accounts-for-kids-a-simple-guide-for-parents/) - Learn how to open a Trump Account for your child. Discover the $1,000 government seed contribution, tax benefits, and IRS Form 4547 requirements under the 2025 One Big Beautiful Bill Act.
- [Market Outlook - Depth of Field - First Quarter, 2026](https://www.concentricwealthmgmt.com/market-outlook-depth-of-field-first-quarter-2026/) - In photography, depth of field refers to how much of the picture is in focus. A shallow depth of field can produce a striking image by keeping attention on a single subject, but it also means the rest of the scene fades into the background. A deeper depth of field brings more of the picture
- [Your 2026 Financial Reset: How to Start the Year with a Clear Wealth Strategy](https://www.concentricwealthmgmt.com/your-2026-financial-reset-how-to-start-the-year-with-a-clear-wealth-strategy/) - A Fresh Start for Your Finances As we welcome 2026, it’s the perfect time to pause, reflect, and realign. The start of a new year isn’t just about resolutions; it’s about strategy. At Concentric Wealth Management, we believe a strong financial reset begins with clarity: understanding where you are, defining where you want to go,
- [Understanding and Managing Your Equity Compensation](https://www.concentricwealthmgmt.com/understanding-and-managing-your-equity-compensation/) - Equity compensation can be a powerful component of your overall financial picture, offering the potential to align your career success with long-term wealth creation. Whether you receive stock options, restricted stock units (RSUs), or participate in an employee stock purchase plan (ESPP), the decisions you make around timing, taxes, and diversification can meaningfully influence your
- [Budgeting for Your Retirement "Bucket List"](https://www.concentricwealthmgmt.com/budgeting-for-your-retirement-bucket-list/) - Retirement planning isn’t only about account balances; it’s also about aligning your resources with the life you hope to lead.
- [Navigating the Crosscurrents: Q3 Market Review](https://www.concentricwealthmgmt.com/navigating-the-crosscurrents-q3-market-review/) - As we turn the page into the final quarter of 2025, optimism around rate cuts, strong corporate earnings, and AI-driven productivity gains helped the S&P 500 extend its rally. Yet beneath the surface of this enthusiasm lies a more complicated reality: valuations are elevated, leadership remains concentrated in a handful of mega-cap technology names, and
- [Spring Showers, Market Flowers: Q2 Market Insights](https://www.concentricwealthmgmt.com/spring-showers-bring-market-flowers/) - Q2 Market Review The second quarter of 2025 delivered a powerful lesson in market and investor resilience, underscored by extreme volatility followed by decisive recoveries. What began as a highly disruptive period marked by sweeping U.S. tariff announcements and global geopolitical unease quickly shifted into one of strong market momentum. The end result was that
- [How Credit Impacts Your Wealth: What to Do (and What to Avoid)](https://www.concentricwealthmgmt.com/how-credit-impacts-your-wealth-what-to-do-and-what-to-avoid/) - Learn how credit affects wealth building. Avoid credit pitfalls, follow best practices, and unlock financial opportunities through smart credit use.
- [How a Financial Advisor Can Accelerate Business Growth](https://www.concentricwealthmgmt.com/how-a-financial-advisor-can-accelerate-business-growth/) - Concentric Wealth Management shares how working with a financial advisor can help you accelerate growth in multiple areas of your business.
- [Maximizing Social Security: How It Fits into Your Retirement Plan](https://www.concentricwealthmgmt.com/maximizing-social-security-how-it-fits-into-your-retirement-plan/) - Learn to factor Social Security into your retirement strategy. We explain strategies for maximizing benefits, reducing taxes, and planning with confidence.
- [U.S. Against the World](https://www.concentricwealthmgmt.com/u-s-against-the-world/) - Q1/Q2 2025 MARKET REVIEW SummaryThe opening bell of 2025 rang with high hopes, as markets entered the ring expecting strong performance backed by AI breakthroughs, pro-growth policies, and economic momentum. But instead of landing clean shots, the economy found itself on the defensive with President Trump landing a heavy haymaker — a surprise punch in
- [Should you stay? Or should you roll? When to rollover services your 401(k) assets to an IRA](https://www.concentricwealthmgmt.com/should-you-stay-or-should-you-roll-when-to-rollover-your-401k-assets-to-an-ira/) - Concentric Wealth Management provides retirement strategy insights to consider regarding when to roll over 401(k) assets into an IRA.
- [Wealth, Wisdom, and Politics](https://www.concentricwealthmgmt.com/wealth-wisdom-and-politics/) - Ahead of the election, it is appropriate to blend aspects of markets, psychology, and politics in this quarter’s investment letter. The next investor letter will be encompassing a new year and a new President, so we believe that it is important to have this letter serve as a prescription to help calm some nerves. Since
- [Are we there yet? The end of summer appears to also signal the end of Fed rate hikes.](https://www.concentricwealthmgmt.com/end-of-fed-rate-hikes/) - The end of summer means that cooler Fall weather is around the corner. The famous all-American road trip winds down and everyone breaks out their coats and sweaters. Just as we’re now late in the year, it appears that the economy has many traits of tight, late-cycle conditions which may lead to choppiness in stock
- [Somewhere Over the (Fed’s) Rainbow](https://www.concentricwealthmgmt.com/somewhere-over-the-feds-rainbow/) - 2023 was the year that few predications came true. 2024 may be different. Prelude At the beginning of 2023, many of the Chief Investment Officers and Economists who set the tone for their respective firms called for a recession, a weak equity market, and a strong fixed income market. The thought was that inflation would
- [Broadening Horizons: Markets appear to be benefiting from a broadening market regime](https://www.concentricwealthmgmt.com/broadening-horizons/) - Concentric Wealth Management's 2024 Q1 review and 2024 Q2 outlook. Markets appear to be benefiting from a broadening market regime.

## Pages

- [Home](https://www.concentricwealthmgmt.com/) - Family Wealth Management Control your personal assets and future financial goals Retirement Plans Plan your finances for the future, with an eye on the present Business Asset & Income Management Effectively manage your business financials and holdings
- [About Us](https://www.concentricwealthmgmt.com/about-us/) - We believe a critical aspect of our approach to wealth management is educating our clients on the financial concepts behind investing, retirement, estate planning, insurance and wealth preservation. In our experience, well-informed clients are better able to collaboratively work with our advisers to set focused financial goals. It is important to have a number in
- [Our Services](https://www.concentricwealthmgmt.com/our-services/) - At Concentric Wealth Management, we can guide you on your journey to financial freedom. We can help shorten the trip, and even more importantly, make it fun. We’ll help you deftly navigate your business to avoid the “big mistakes” that prevent you from achieving exit velocity. Family Services Family CFO Services Asset Allocation Investment Management
- [Businesses](https://www.concentricwealthmgmt.com/our-services/businesses/) - Strategic Growth Plans Exit Strategies Risk Management Capital Markets Pension, Profit Sharing & 401(k)
- [Our AIM Process](https://www.concentricwealthmgmt.com/our-process/) - AIM: Asset + Income Management The goal for Concentric Wealth Managers is to create a growing asset outside of your business, while at the same time negating some of the inherent risks of owning your own business. The comprehensive knowledge of you, your business and your goals allow Concentric Wealth Managers to create a portfolio
- [Retirement Plans](https://www.concentricwealthmgmt.com/our-services/retirement-plans/) - Pension & Profit Sharing Plan Design Investment Selection Investment Monitoring Employee Education & Communication Employee Enrollment Provider, Fee & Services Review Roth & Traditional IRA's SEP IRA'S Roth & SEP Conversions SARSEP IRA Simple IRA 403(b) & 457(b) Plans Disclosure: Contributions to a traditional IRA may be tax deductible in the contribution year, with current
- [Contact Us](https://www.concentricwealthmgmt.com/contact-us/) - Concentric Wealth Management 901 Adams Xing FL1 Cincinnati, OH 45202 Phone: (513) 338-0083 Fax: (513) 338-0084
- [Privacy Policy](https://www.concentricwealthmgmt.com/privacy-policy/) - This Privacy Policy governs the manner in which Concentric Wealth Management, LLC. collects, uses, maintains and discloses information collected from users (each, a “User”) of the https://www.concentricwealthmgmt.com website (“Site”). Personal identification information We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site,
- [Welcome to Concentric](https://www.concentricwealthmgmt.com/about-us/welcome-to-concentric/) - Welcome to Concentric Wealth Management and the new website for Lifetime Wealth Management! We are extremely excited to work with you. As members of the Concentric team, Molly, Mike and Jeff will continue to provide you with the same outstanding service. We are pleased to have you as part of our family. We've included a

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- [Pursue The Life You've Dreamed](https://www.concentricwealthmgmt.com/slider/live-the-life-youve-dreamed/) - With customized wealth management strategies from Concentric Get In Touch

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- [Sticky Footer](https://www.concentricwealthmgmt.com/content-blocks/sticky-footer/) - © 2025 Concentric Wealth Management. All rights reserved. Privacy Policy | LPL Financial Form CRS Check the background of investment professionals associated with this site on FINRA’s BrokerCheck
- [Disclosure](https://www.concentricwealthmgmt.com/content-blocks/disclosure/) - Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other

## Our Team

- [Cheryl Pemberton](https://www.concentricwealthmgmt.com/team-members/cheryl-pemberton/) - Cheryl Pemberton is an Executive Assistant with has been in charge of Client Relations at Concentric Wealth Management since the company’s founding in 2010. With more than 17 years experience in the financial services industry, Cheryl is responsible for all aspects of client relations and administration, with a goal to make every client’s experience exceptional.
- [Ian Bullis](https://www.concentricwealthmgmt.com/team-members/ian-bullis/) - Ian joined Concentric as a Portfolio / Investment Analyst in 2026. The Earlham College grad (Bachelor of Arts in Accounting and Finance) first joined Concentric as an intern in the summer of 2025 before returning full-time as an employee in 2026. At Concentric, Ian brings experience in wealth management operations, tax preparation, and excellent client
- [Nicholas R. Groman, Esq., CFP<sup>®</sup>](https://www.concentricwealthmgmt.com/team-members/nick-groman/) - Nicholas R. Groman, Esq., CFP® Nicholas Groman is a Partner, Wealth Advisor at Concentric Wealth Management, where he specializes in comprehensive wealth planning for high-income professionals, physicians, and small business owners. His areas of expertise include estate planning, insurance strategy, cash flow optimization, retirement planning, and overall financial stewardship. In recognition of his professional accomplishments
- [Tim Powell, CFP<sup>®</sup>, AIF<sup>®</sup>](https://www.concentricwealthmgmt.com/team-members/tim-powell-cfp/) - Tim joined Concentric Wealth Management as a Senior Wealth Management Advisor in August 2023, focusing primarily on financial planning, comprehensive portfolio management and retirement income planning. Tim knows that great service starts by learning what his clients wants and needs. He can then use his experience, skills and knowledge to craft a plan to address/work
- [Patrick J. Burke](https://www.concentricwealthmgmt.com/team-members/patrick-b-burke/) - Patrick Burke is a co-owner of Concentric Wealth Management. Pat shares a passion to help out young entrepreneurs start, grow, manage, and build valuable businesses. Having advised more than 100 successful start-ups. Pat is a recognized professional across multiple disciplines including mergers and acquisitions, business financing, and deal structuring. Pat graduated Cum Laude from the
- [Joshua Wentz](https://www.concentricwealthmgmt.com/team-members/joshua-wentz/) - Josh has been a Clients Services Associate at Concentric Wealth Management since 2022—supporting private, high-net-worth individuals and families on portfolio investments and other types of financial planning. The University of Kentucky grad (bachelor’s in history) has series 6 (investment company and variable contracts products representative), series 63 (securities agent), and series 7 (general securities rep)
- [Justin Lehkamp](https://www.concentricwealthmgmt.com/team-members/justin-lehkamp/) - Justin Lehkamp joined Concentric Wealth Management as a Client Services Associate in April 2025. With over six years of experience at Fidelity Investments, Justin has developed a strong foundation in customer service, as well as planning and guidance support for clients. His career began in customer service and progressed into advisory roles within Fidelity’s planning
- [Matt Tarka, AAMS<sup>®</sup>, CRPS<sup>®</sup>](https://www.concentricwealthmgmt.com/team-members/matt-tarka/) - Matt Tarka has been Director of Portfolio Management at Concentric Wealth Management since August 2023. A well versed in investment management, Matt helps with research, due diligence, asset allocation* decisions, investment model construction, trading, and operations for our wide array of private wealth clients, trusts**, corporate assets, and 401k plans. *Asset allocation does not ensure
- [Molly E. Myers, CFP<sup>®</sup>, CLU](https://www.concentricwealthmgmt.com/team-members/molly-e-myers/) - Molly Myers joined Concentric Wealth Management in 2017 after it merged with her previous firm, Lifetime Wealth Management. From college and retirement saving to medicare and social security planning, Molly has been assisting her clients through the financial planning process to work toward their goals. Molly earned a Bachelor of Arts degree from Xavier University.
- [Dean Robert Johns, CPA, CFP<sup>®</sup>](https://www.concentricwealthmgmt.com/team-members/dean-robert-johns/) - Dean joined Concentric Wealth Management as a Senior Financial Advisor in 2024. He provides wealth management services to high-net-worth individuals, executives, and business owners, focusing on serving public accounting partners for financial, tax, and retirement planning. With an esteemed career spanning 30+ years, Dean has previously held positions at Grant Thornton and Ernst & Young,

## Categories

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- [Retirement Planning](https://www.concentricwealthmgmt.com/category/retirement-planning/)
- [Market Insights](https://www.concentricwealthmgmt.com/category/market-insights/)

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