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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 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.”

Long-lasting
relationships
with our clients

Years of
Accumulated
Experience

States
We are
Registered

Years of
LPL
Financial

Our Team

With 56 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 31 years of experience in the financial services industry.

Helena Godfrey, CRPC®

With 25 years of experience in the industry, Helena focuses on servicing and administrative management for our clients.

Testimonials From Our Clients

These statements are testimonials by clients of the financial professional as of the date indicated in each testimonial. The clients have not been paid or received any other compensation for making these statements. As a result, the clients do not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

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Guiding you through life’s many transitions.