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wide array of options
Wealth Management
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Guiding you down the path
Life Transitions
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Retirement
Freedom and Choices
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Our Strategies

Life Transitions
Retirement - Marriage - Divorce - Changing Jobs. Planning is understandably a critical part of your life. Keeping an eye on your financial health during life transitions is essential.
Tax Planning
Evaluate your portfolio’s bottom line through tax-efficient investing. See how year-end planning can lower your tax bill. Should you convert all or a portion of your traditional IRA assets to a Roth?
Estate Planning
Do you have questions about estate planning, protecting your assets with a trust, naming a beneficiary, or charitable giving to reduce your estate taxes?
Wealth Management
What does wealth management mean to you? What should it accomplish? What are the 12 common financial mistakes to avoid?
Insurance Planning
Is life insurance or long-term care missing from your plan? Both may be a cornerstone of a sound financial plan, providing potential financial stability.
College Planning
College won’t pay for itself. How will you pay for it? You may have more choices than you think. Is creating a college fund on your to-do list?

Client Focused - Exceptional Personal Service

We focus on our clients and it will always be our goal to make sure we simplify their lives.

After over 25 years on the corporate side of the financial side of the industry, Lisa and her team were finally able to fully realize their vision. They moved to the independent side of the industry and created their own firm – Meritage Wealth Management.

“Merit and Heritage are the two words that make up Meritage. Merit means the qualities of having value, worth and distinction, while Heritage stands for the principals, ethics, and traditions (or beliefs) that create a legacy. We have used this name to define ourselves for years and it perfectly embodies what we believe in.”

Long-lasting
relationships
with our clients

Years Of
Accumulated
Experience

States
We are
Registered

Years of
LPL
Financial

Our Team

With over 52 years of accumulated experience, our firm focuses on guiding clients through life’s transitions by using our experience in financial planning, specifically in the areas of retirement, estate, tax, long-term care, divorce, business succession planning, and wealth management.

Lisa R. Kulhavi, CFP®, CDFA®, ChFC®, CRPC®, MBA

Lisa Kulhavi is a Certified Financial Planner CFP® with over 29 years of experience in the financial services industry.

Helena Godfrey, CRPC®

With over 23 years of experience in the industry, Helena focuses on servicing and administrative management for our clients.

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a Professional Today!

Guiding you through life’s many transitions.

Recent Insights

The Flexibility of Hourly Consulting Services

The Flexibility of Hourly Consulting Services

The flexibility of our hourly consulting services makes it possible for us to offer the same level of service and professional advice on an “as-needed” basis.
Setting Every Community Up for Retirement Enhancement (SECURE) Act

Setting Every Community Up for Retirement Enhancement (SECURE) Act

Top 10 Key Provisions of the SECURE Act, As Enacted on December 20, 2019
The Benefits of Financial Planning

The Benefits of Financial Planning

The pace and complexity of managing modern finances may leave some people unprepared to achieve a successful financial future.
Roth 401(k) FAQS

Roth 401(k) FAQS

The new Roth 401(k) feature in your plan allows you to invest after-tax dollars (allowing them to grow on a tax deferred basis) and take qualifying distributions tax-free.