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

Our Strategies

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.
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?
Do you have questions about estate planning, protecting your assets with a trust, naming a beneficiary, or charitable giving to reduce your estate taxes?
What does wealth management mean to you? What should it accomplish? What are the 12 common financial mistakes to avoid?
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 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 24 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.”

with our clients

Years Of

We are

Years of

Our Team

With over 54 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 30 years of experience in the financial services industry.

Helena Godfrey, CRPC®

With over 24 years of experience in the industry, Helena focuses on servicing and administrative management for our clients.

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Guiding you through life’s many transitions.

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