Your Financial Future.
Together.

Investing. Retirement. Insurance.

Get Started - Talk With Our Team

The Foundation
of Perspective
Wealth Planning

Our Firm is Built Upon Three Pillars...

Customer Service

Your customer service experience revolves around constant communication: weekly market updates, quarterly reviews, and consistent updates to your personalized financial plan.

Active Asset Management

We have an in-house Active Asset Management philosophy, which allows us to assist you through ever-changing market conditions every step of the way.

Financial Planning

Our 60+ years of combined financial planning expertise gives us the ability to deliver a customized plan for your future.

Our Services

Click on the Icons Below for More Information.

Investment Management

Some examples of accounts we can actively manage: Individual, Joint, Trusts, Traditional & Roth IRA's, 401(k)s

Financial Planning

Some of the financial goals we can help you plan for: Retirement, Saving For Children, Large Purchases, Debt Paydown Strategies.

Retirement Planning

Here you will find information about how we can help you achieve the highest probability for a successful retirement.

Estate Planning

Tax efficient ways to leave your legacy.

Insurance Policies

Life, Disability, and Long-Term Care.

Advice Program

Fee-only advice to help get you started.

Mike's Coaching Program

Learn from an investment professional.

Our Financial
Planning Process

Click Each to Learn More...

Topics We Will Cover...

The Next Step after Receiving Your Plan

You Have Three Options...

Implement Your Financial Plan On Your Own

Your customer service experience revolves around constant communication: weekly market updates, quarterly reviews, and consistent updates to your personalized financial plan.

Enroll In Our Financial
Coaching Program

Our Financial Coaching Program is based on a fee-for-service model. We have a minimum $90 per month program fee, and clients within this program will be provided with the same full service package as our personal Perspective Wealth Planning clients.

Become A Client At Perspective Wealth Planning

If you choose to become a client at Perspective Wealth Planning, our minimum asset size is 100k. Our portfolios are constructed with stocks and exchange-traded funds (ETF’s), and there are 0 hidden fees within our agreement.

The Four Seasonal Services

To keep your finances in order...

Goal Tracking

  • Financial position update
  • Projected cash flow
  • Progress reports
  • Life changes and Assumptions
  • Reaffirm priorities
  • Revisit prior recommendations
  • Executive compensation analysis

Asset Allocation

  • Portfolio rebalancing/re-optimizing
  • Asset allocation design
  • Risk/suitability analysis
  • 401 (k) / 403 (b) guidance

Family Security & Cashflow

  • Cash flow revisited
  • Annual insurance review
  • Estate planning strategies
  • Employee benefits

Tax Planning

  • Tax information gathering
  • Coordination with a professional
  • Tax summary letter
  • Year end strategy
  • Long-term planning strategies

Avoiding the Worst Days In the Market...

Could Lead to a Substantially Higher Return.

Weathering downturns in a portfolio could go a long way in defining an investor’s success and experience while investing. It’s extremely important to realize that at some point during your working life you will need to manage your retirement assets through a bear market. How you choose to do that could have a drastic impact on when and how you can retire in the future.

At Perspective Wealth Planning, we believe actively managing your assets through those volatile market times allows you to capitalize on bear markets. You have probably heard through various articles and financial blogs that passively investing through all markets will provide you with your best returns. We find it very interesting that nobody seems to share the other side of the story, so we will.

Did you ever wonder what type of returns you could have if you missed some of the WORST days in the market? Based on historical returns from Yahoo Finance, missing some of the worst days in the market could save you more than you would imagine! To the right is an illustration of the S&P 500 Index returns vs the S&P 500 Index excluding some of the worst days from 12/31/1979 to 03/24/2020. As you can see the difference in your account value is in the millions if you started with $10,000, by avoiding just the 30 worst days. This, along with various other reasons is why we specialize in Active Asset Management, assisting our clients navigate volatile market conditions!
$2,000,000
$1,750,000
$1,500,000
$1,250,000
$1,000,000
$750,000
$500,000
$250,000
$0

Our Investment
Philosophy

We Specialize in Active Asset Management...

We do not believe in the standard “buy-and-hold” strategy, or any strategy that changes your investments because you had a birthday. These are both static approaches to asset allocation in our opinion.

We elect to be strategic and tactical, which allows us to make sure all of our clients are properly managing risk throughout the ever-changing volatile markets.

By utilizing our in-house Investment Committee, led by Michael Tedeschi, we continually monitor the markets attempting to capitalize on all market cycles.

How We Navigate Volatile Market Conditions

Our Portfolios

Tactical Allocation

This portfolio seeks to perform In all market conditions. We use a core and explore strategy to try and achieve this. Our core holdings are comprised of companies that we feel are poised to be leaders in their given industry. We use the explore piece of our portfolio to find stocks that we feel have strong technical setups, along with positive cash flow that provide an opportunity for shorter term momentum swings.

Growth Portfolio

This portfolio is comprised of 2 different types of growth equities. What we call our “Industry Leaders” and “Industry Disruptors”. We use this combination to pursue capturing current market growth along with industries that have the opportunity to outpace the market due to their exponential growth projections. We feel that combining these two gives us the best ability to provide our clients with the opportunity for sustained long-term portfolio growth.

Dividend Income

With this strategy we have reimagined the traditional equity and income model. The core of this portfolio consists of the “Dividend Aristocrats” stocks. We seek to add value by utilizing both equities and fixed income investments that can increase the overall portfolio yield. Our fixed income positions are comprised of fixed income ETF’s. This allows us to control yields and average maturity duration depending upon both interest rate and market conditions.

Wealth Builder

We’ve reimagined a traditional balanced model by adding a layer of active risk management. Traditionally, a balanced strategy will hold the same percentage of equity regardless of market conditions. We feel this is a flawed strategy. What makes our strategy different is that we actively manage our equity exposure by trying to limit risk during times of market uncertainty. We leverage both fundamental and technical analysis, along with utilizing our in-house investment strategist, to help navigate through the everchanging markets.

Getting Ready to Retire?

Perspective Wealth Planning is committed to...

We’ve reimagined a traditional balanced model by adding a layer of active risk management. Traditionally, a balanced strategy will hold the same percentage of equity regardless of market conditions. We feel this is a flawed strategy. What makes our strategy different is that we actively manage our equity exposure by trying to limit risk during times of market uncertainty. We leverage both fundamental and technical analysis, along with utilizing our in-house investment strategist, to help navigate through the everchanging markets.

The Four Phases of Retirement Planning

Types of Retirement
Accounts

You Have Three Options...

Traditional IRA

A Traditional Individual Retirement Account (IRA) allows individuals to direct pre-tax income toward investments that can grow tax-deferred. The IRS assesses no capital gains or dividend income taxes until the beneficiary makes a withdrawal. Individual taxpayers can contribute 100% of any earned compensation up to a specified maximum dollar amount.

Roth IRA

A Roth IRA is an individual retirement account that allows qualified withdrawals on a tax-free basis provided certain conditions are satisfied. Roth IRAs are similar to traditional IRAs, with the biggest distinction between the two being how they’re taxed. Roth IRAs are funded with after-tax dollars; the contributions are not tax-deductible. But once you start withdrawing funds, the money is tax-free.

401(k)

A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees. Workers can make contributions to their 401(k) accounts through automatic payroll withholding, and their employers can match some or all of those contributions. The investment earnings in a traditional 401(k) plan are not taxed until the employee withdraws that money, typically after retirement.

Life Insurance
Strategies

For Families and Businesses

Here at Perspective Wealth Planning, we take the complex topic of life insurance and make it simple to understand. When most people hear the term “life insurance” they think of a policy that pays beneficiaries when they die.

When we look at life insurance, we see the only vehicle that you can contribute an almost unlimited amount of money into, that grows on a tax-deferred basis, and when you take money from the policy (through withdrawing what you have paid in premiums and then taking a loan against the policy), it comes out as tax-free income. Better yet, the money you receive from your policy comes out not only tax-free, it is non-reportable income as well.

It is important to note, the loan you take against the policy will reduce the death benefit paid to your heirs if the loan is not re-paid before your death. Click here to read more.

Long-Term Care Planning

Nursing and/or in-home care planning.

Business Solutions

Buy-Sell, Key Man, and other ways to protect your business.

Term Insurance

Insurance to cover debts, income, and other expenses.

Estate/Legacy Planning

Tax efficient ways to leave your legacy.

College Planning

Unique life insurance solutions to plan for college.

Income Supplement

Planning for tax free income.

Mike's Coaching
Program

About Mike Tedeschi...

I’ve been passionate about the stock market for as long as I can remember! I got my economics degree at St. Mary’s Public Honors College of Maryland, where I honed my focus on effective strategies to properly manage risk and detect statistical edges. I wrote my college dissertation on behavioral game theory, where I concentrated on discovering optimal strategies to maximize profit potential.

With my passion for risk management, and for finding repeatable positive expected values, I created my own business focusing on stock market education and investing. After a decade, I joined Perspective Wealth Planning to lead their investment committee team. My role here is to design our in-house active management portfolios, as well as manage risk levels for our client’s investment accounts. I work with our clients to create an optimal blend of risk & upside potential, based on their financial needs.

I fully believe visibility and education are the keys to long-term success. I work tirelessly to ensure all of our clients are invested properly for their long-term goals, and I’m also readily available to work one-on-one with clients to help them become more knowledgeable in their investment journey when needed. On a weekly basis, I create an in-depth Stock Market Technical Analysis video for our clients. In this weekly video, I evaluate the latest price-action inside the 4 major U.S. indexes, the U.S. Dollar, key commodities, and also significant market breadth readings.

I look forward to speaking with you and answering any questions that you may have in regards to investing.

Four Key Components

Investment Strategy

We will work together to determine what your overall goals are for you investment portfolio. We'll also build a custom strategy that strives to help you reach those goals. Your investment strategy will include technical set-ups and company fundamentals that fit your plan, the psychology around investing, and proper risk management.

Market Education

We will start by educating you with the basics. Your journey begins with understanding what technical analysis is, as well as learning the basics of fundamental analysis.

1-on-1 Coaching

A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees. Workers can make contributions to their 401(k) accounts through automatic payroll withholding, and their employers can match some or all of those contributions. The investment earnings in a traditional 401(k) plan are not taxed until the employee withdraws that money, typically after retirement.

Customized Plan

One of the most important things we can do is continually review your risk management strategy. Keeping this in check with your goals and plan allows you to invest freely without letting your emotions get the best of you! I understand that goals and situations can change over time, and this is why we keep your program personalized and tailored to your situation.

Our Team

Click to see biography...

Matthew Fox CRC® AIF®

Owner / Financial Planner

Here at Perspective Wealth Planning, we take the complex topic of life insurance and make it simple to understand. When most people hear the term “life insurance” they think of a policy that pays beneficiaries when they die.

When we look at life insurance, we see the only vehicle that you can contribute an almost unlimited amount of money into, that grows on a tax-deferred basis, and when you take money from the policy (through withdrawing what you have paid in premiums and then taking a loan against the policy), it comes out as tax-free income. Better yet, the money you receive from your policy comes out not only tax-free, it is non-reportable income as well.

It is important to note, the loan you take against the policy will reduce the death benefit paid to your heirs if the loan is not re-paid before your death.

Jared Dykes CRC®

Owner / Financial Planner

Growing up, graduating college, and choosing to live in Pennsylvania has taught me the values of community. My clients come to me for guidance, not simply for planning and active asset management as a Certified Retirement Counselor, but a focus on superior customer service helps encourage them along the way.

Whether it’s planning for retirement, growing assets, or managing wealth, my clients know I listen to their needs before creating a customized plan. I put relationships before technical talk. Our company specializes in financial planning and active asset management, and as a principle of this company, I ensure our focus on customer service meets your financial needs.

Michael Tedeschi

Owner / Wealth Management Advisor

I’ve been passionate about the stock market for as long as I can remember! I got my economics degree at St. Mary’s Public Honors College of Maryland, where I honed my focus on effective strategies to properly manage risk and detect statistical edges. I wrote my college dissertation on behavioral game theory, where I concentrated on discovering optimal strategies to maximize profit potential.

With my passion for risk management, and for finding repeatable positive expected values, I created my own business focusing on stock market education and investing. After a decade, I joined Perspective Wealth Planning to lead their investment committee team. My role here is to design our in-house active management portfolios, as well as manage risk levels for our client’s investment accounts. I work with our clients to create an optimal blend of risk & upside potential, based on their financial needs.

Beau Soberdash

Office Manager

Graduating from the Harry F. Byrd Jr. School of Business at Shenandoah University taught me the importance of building life-long relationships. I acquired my bachelors degree in Business Administration, with a concentration in Management & Marketing. Through these programs, and with years of experience in the financial industry, I’m able to use the skills that I’ve developed on a daily basis as the Office Manager here at Perspective Wealth Planning.

It is my responsibility to ensure that our firms operations are functioning at a high-level, and efficiently as possible. We demand excellent customer service, and we will do anything in our power to assist our clients’ needs.

Anthony Szurlej

Financial Advisor

For as long as I can remember, investing has been my main passion in life. My investing journey began when I was 12 years old working my first job as a golf caddie. After each paycheck that I earned, I gave half of the money to my parents to invest for me. After years of doing so, I understood the significance of receiving passive income, and the power of having money "work for you".

I became infatuated with making investments, which led me to constant research of the financial markets. I spent years acquiring key fundamental & technical analysis skills, and was eager to learn anything that could give me an advantage in the stock market. I am proud to say that all of my time was well spent, and I am excited to have the opportunity to join Perspective Wealth Planning to begin my Financial Advising career. This was a perfect fit, because I have the ability to do what I love, and I can assist others along the way.

Contact Us

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Service Commitment

Communication

One of the most important aspects of providing superior customer service is constant client communication. Our clients stay current on everchanging financial conditions by utilizing our weekly industry news and investment videos. Our customers maintain peace of mind and clearly understand how we are evaluating the market through our quarterly market recaps and future outlook reports. Throughout each year, we maintain contact with our clients to continuously update your plan and accounts to navigate any life changes.

Commitment

Perspective Wealth Planning was founded upon a commitment to prioritize customer needs to create successful financial futures. Our commitment to superior customer service is a promise to listen to and address client needs. Beau Soberdash, our Office Manager, has a main directive to satisfy each customer in every communication. Our team actively seeks feedback to continually meet customer expectations. Our reward continues to be increasing customer referrals from satisfied, current clients.

Caring

Our Perspective Wealth Planning Mission Statement emphasizes our desire for creating lifelong client relationships. Our team utilizes decades of business success, honed organizational skills, high levels of integrity & accountability, and personal commitment to care for each client. A lifelong relationship is not possible without caring. We are consistently committed to help and ensure that we give you our very best, unbiased advice.

Your Financial Future.
Together.

Investing. Retirement. Insurance.

Get Started - Talk With Our Team

The Foundation
of Perspective
Wealth Planning

Our Firm is Built Upon Three Pillars...

Active Asset Management

We have an in-house Active Asset Management philosophy, which allows us to assist you through ever-changing market conditions every step of the way.

Financial Planning

Our 60+ years of combined financial planning expertise gives us the ability to deliver a customized plan for your future.

Customer Service

Your customer service experience revolves around constant communication: weekly market updates, quarterly reviews, and consistent updates to your personalized financial plan.

Our Services

Click on the Icons Below for More Information.

Investment Management

Some examples of accounts we can actively manage: Individual, Joint, Trusts, Traditional & Roth IRA's, 401(k)s

Financial Planning

Some of the financial goals we can help you plan for: Retirement, Saving For Children, Large Purchases, Debt Paydown Strategies

Retirement Planning

Here you will find information about how we can help you achieve the highest probability for a successful retirement

Mike's Coaching Program

Learn from an investment professional

Estate Planning

Tax efficient ways to leave your legacy

Insurance Solutions

Life, Disability, and Long-Term Care

Our Financial
Planning Process

Click Each to Learn More...

Topics We
Will Cover

Click Each to Learn More...

The Four
Seasonal Services

To keep your finances in order...

Asset
Allocation

  • Portfolio rebalancing/re-optimizing
  • Asset allocation design
  • Risk/suitability analysis
  • 401 (k) / 403 (b) guidance

Family Security
& Cash Flow

  • Cash flow revisited
  • Annual insurance review
  • Estate planning strategies
  • Employee benefits

Goal
Tracking

  • Financial position update
  • Projected cash flow
  • Progress reports
  • Life changes and Assumptions
  • Reaffirm priorities
  • Revisit prior recommendations
  • Executive compensation analysis

Tax
Planning

  • Tax information gathering
  • Coordination with a professional
  • Tax summary letter
  • Year end strategy
  • Long-term planning strategies

The Next Step after Receiving Your Plan

You Have Three Options...

Implement Your Financial Plan On Your Own

If you’re satisfied with your customized financial plan and feel that you have the ability to implement the changes on your own moving forward, we fully support your decision. If at any time in the future you feel that our personal assistance is needed, we will be here for you.

Enroll In Our Financial
Coaching Program

Our Financial Coaching Program is based on a fee-for-service model. We have a minimum $90 per month program fee, and clients within this program will be provided with the same full service package as our personal Perspective Wealth Planning clients.

Become A Client At Perspective Wealth Planning

If you choose to become a client at Perspective Wealth Planning, our minimum asset size is 100k. Our portfolios are constructed with stocks and exchange-traded funds (ETF’s), and there are 0 hidden fees within our agreement.

Avoiding the Worst Days
In the Market...

Could Lead to a Substantially Higher Return.

Weathering downturns in a portfolio could go a long way in defining an investor’s success and experience while investing. It’s extremely important to realize that at some point during your working life you will need to manage your retirement assets through a bear market. How you choose to do that could have a drastic impact on when and how you can retire in the future.

At Perspective Wealth Planning, we believe actively managing your assets through those volatile market times allows you to capitalize on bear markets. You have probably heard through various articles and financial blogs that passively investing through all markets will provide you with your best returns. We find it very interesting that nobody seems to share the other side of the story, so we will.

Did you ever wonder what type of returns you could have if you missed some of the WORST days in the market? Based on historical returns from Yahoo Finance, missing some of the worst days in the market could save you more than you would imagine! To the right is an illustration of the S&P 500 Index returns vs the S&P 500 Index excluding some of the worst days from 12/31/1979 to 03/24/2020. As you can see the difference in your account value is in the millions if you started with $10,000, by avoiding just the 30 worst days. This, along with various other reasons is why we specialize in Active Asset Management, assisting our clients navigate volatile market conditions!
$2,000,000
$1,750,000
$1,500,000
$1,250,000
$1,000,000
$750,000
$500,000
$250,000
$0

Our Investment Philosophy

We Specialize in Active Asset Management...

We do not believe in the standard “buy-and-hold” strategy, or any strategy that changes your investments because you had a birthday. These are both static approaches to asset allocation in our opinion.

We elect to be strategic and tactical, which allows us to make sure all of our clients are properly managing risk throughout the ever-changing volatile markets.

By utilizing our in-house Investment Committee, led by Michael Tedeschi, we continually monitor the markets attempting to capitalize on all market cycles.

How We Navigate Volatile Market
Conditions

Click Each to Learn More...

Our Portfolios

Tactical Allocation

This portfolio seeks to perform In all market conditions. We use a core and explore strategy to try and achieve this. Our core holdings are comprised of companies that we feel are poised to be leaders in their given industry. We use the explore piece of our portfolio to find stocks that we feel have strong technical setups, along with positive cash flow that provide an opportunity for shorter term momentum swings.

Growth Portfolio

This portfolio is comprised of 2 different types of growth equities. What we call our “Industry Leaders” and “Industry Disruptors”. We use this combination to pursue capturing current market growth along with industries that have the opportunity to outpace the market due to their exponential growth projections. We feel that combining these two gives us the best ability to provide our clients with the opportunity for sustained long-term portfolio growth.

Dividend Income

With this strategy we have reimagined the traditional equity and income model. The core of this portfolio consists of the “Dividend Aristocrats” stocks. We seek to add value by utilizing both equities and fixed income investments that can increase the overall portfolio yield. Our fixed income positions are comprised of fixed income ETF’s. This allows us to control yields and average maturity duration depending upon both interest rate and market conditions.

Wealth Builder

We’ve reimagined a traditional balanced model by adding a layer of active risk management. Traditionally, a balanced strategy will hold the same percentage of equity regardless of market conditions. We feel this is a flawed strategy. What makes our strategy different is that we actively manage our equity exposure by trying to limit risk during times of market uncertainty. We leverage both fundamental and technical analysis, along with utilizing our in-house investment strategist, to help navigate through the everchanging markets.

Getting Ready
to Retire?

Perspective Wealth Planning
is committed to...

Our Perspective Wealth Planning philosophy is that the recent focus on “finding your number” has done more harm than good. Retirement should be considered a lifelong journey, balancing current needs with long term happiness… not just a number. Regardless of your current stage in life, Perspective Wealth Planning is ready to help you. The process of planning for retirement should be focused on coaching clients through not only saving and investing, but also include career advice, ways of reducing stress, and strategies to transition out of full-time work as early as possible. Peace of mind is rarely overvalued.

Getting Ready
to Retire?

Perspective Wealth Planning is committed to...

Our Perspective Wealth Planning philosophy is that the recent focus on “finding your number” has done more harm than good. Retirement should be considered a lifelong journey, balancing current needs with long term happiness… not just a number. Regardless of your current stage in life, Perspective Wealth Planning is ready to help you. The process of planning for retirement should be focused on coaching clients through not only saving and investing, but also include career advice, ways of reducing stress, and strategies to transition out of full-time work as early as possible. Peace of mind is rarely overvalued.

The Four Phases of
Retirement Planning

Click Each to Learn More...

Types of Retirement
Accounts

Three Most Popular Account Types...

Traditional IRA

A Traditional Individual Retirement Account (IRA) allows individuals to direct pre-tax income toward investments that can grow tax-deferred. The IRS assesses no capital gains or dividend income taxes until the beneficiary makes a withdrawal. Individual taxpayers can contribute 100% of any earned compensation up to a specified maximum dollar amount.

Roth IRA

A Roth IRA is an individual retirement account that allows qualified withdrawals on a tax-free basis provided certain conditions are satisfied. Roth IRAs are similar to traditional IRAs, with the biggest distinction between the two being how they’re taxed. Roth IRAs are funded with after-tax dollars; the contributions are not tax-deductible. But once you start withdrawing funds, the money is tax-free.

401(k)

A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees. Workers can make contributions to their 401(k) accounts through automatic payroll withholding, and their employers can match some or all of those contributions. The investment earnings in a traditional 401(k) plan are not taxed until the employee withdraws that money, typically after retirement.

Life Insurance
Solutions

For Families and Businesses

Here at Perspective Wealth Planning, we take the complex topic of life insurance and make it simple to understand. When most people hear the term “life insurance” they think of a policy that pays beneficiaries when they die.

When we look at life insurance, we see the only vehicle that you can contribute an almost unlimited amount of money into, that grows on a tax-deferred basis, and when you take money from the policy (through withdrawing what you have paid in premiums and then taking a loan against the policy), it comes out as tax-free income. Better yet, the money you receive from your policy comes out not only tax-free, it is non-reportable income as well.

It is important to note, the loan you take against the policy will reduce the death benefit paid to your heirs if the loan is not re-paid before your death. Click here to read more.

Long-Term Care
Planning

Nursing and/or in-home care planning.

Business
Solutions

Buy-Sell, Key Man, and other ways to protect your business.

Term
Insurance

Insurance to cover debts, income, and other expenses.

Estate/Legacy
Planning

Tax efficient ways to leave your legacy

College
Planning

Unique life insurance solutions to plan for college

Income
Supplement

Planning for tax free
income.

Mikes Coaching
Program

About Mike Tedeschi...

I’ve been passionate about the stock market for as long as I can remember! I got my economics degree at St. Mary’s Public Honors College of Maryland, where I honed my focus on effective strategies to properly manage risk and detect statistical edges. I wrote my college dissertation on behavioral game theory, where I concentrated on discovering optimal strategies to maximize profit potential.

With my passion for risk management, and for finding repeatable positive expected values, I created my own business focusing on stock market education and investing. After a decade, I joined Perspective Wealth Planning to lead their investment committee team. My role here is to design our in-house active management portfolios, as well as manage risk levels for our client’s investment accounts. I work with our clients to create an optimal blend of risk & upside potential, based on their financial needs.

I fully believe visibility and education are the keys to long-term success. I work tirelessly to ensure all of our clients are invested properly for their long-term goals, and I’m also readily available to work one-on-one with clients to help them become more knowledgeable in their investment journey when needed. On a weekly basis, I create an in-depth Stock Market Technical Analysis video for our clients. In this weekly video, I evaluate the latest price-action inside the 4 major U.S. indexes, the U.S. Dollar, key commodities, and also significant market breadth readings.

I look forward to speaking with you and answering any questions that you may have in regards to investing.

Four Key
Components

Investment Strategy

We will work together to determine what your overall goals are for you investment portfolio. We'll also build a custom strategy that strives to help you reach those goals. Your investment strategy will include technical set-ups and company fundamentals that fit your plan, the psychology around investing, and proper risk management.

Market Education

We will start by educating you with the basics. Your journey begins with understanding what technical analysis is, as well as learning the basics of fundamental analysis.

1-on-1 Coaching

One of the most valuable pieces of my coaching program is 1-on-1 coaching during market hours. Discussions during market hours, and getting a sense as to what I’m looking at and how I view the markets allows you to speed up your learning curve tremendously.

Customized Plan

One of the most important things we can do is continually review your risk management strategy. Keeping this in check with your goals and plan allows you to invest freely without letting your emotions get the best of you! I understand that goals and situations can change over time, and this is why we keep your program personalized and tailored to your situation.

Our Team

Mouseover to See Biography...

Matthew Fox CRC® AIF®

Owner / Financial Planner

I’ve always considered myself lucky because I knew what I wanted to be “when I grew up”. Working on Wall Street and being involved in the stock market was always my dream. After visiting New York City numerous times, those big-city dreams changed; and I realized my heart always belonged to Western Pennsylvania.

Spending the last 15 years developing long-lasting relationships with my clients and being able to help them pursue all of their financial goals is nothing short of my “dream come true”. As an Accredited Investment Fiduciary and Certified Retirement Counselor, I am held to the highest fiduciary standard. We pride ourselves on our ability to create customized financial planning and active asset management while delivering industry-leading customer service.

Jared Dykes CRC®

Owner / Financial Planner

Growing up, graduating college, and choosing to live in Pennsylvania has taught me the values of community. My clients come to me for guidance, not simply for planning and active asset management as a Certified Retirement Counselor, but a focus on superior customer service helps encourage them along the way.

Whether it’s planning for retirement, growing assets, or managing wealth, my clients know I listen to their needs before creating a customized plan. I put relationships before technical talk. Our company specializes in financial planning and active asset management, and as a principle of this company, I ensure our focus on customer service meets your financial needs.

Michael Tedeschi

Owner / Wealth Management Advisor

I’ve been passionate about the stock market for as long as I can remember! I got my economics degree at St. Mary’s Public Honors College of Maryland, where I honed my focus on effective strategies to properly manage risk and detect statistical edges. I wrote my college dissertation on behavioral game theory, where I concentrated on discovering optimal strategies to maximize profit potential.

With my passion for risk management, and for finding repeatable positive expected values, I created my own business focusing on stock market education and investing. After a decade, I joined Perspective Wealth Planning to lead their investment committee team. My role here is to design our in-house active management portfolios, as well as manage risk levels for our client’s investment accounts. I work with our clients to create an optimal blend of risk & upside potential, based on their financial needs.

Beau Soberdash

Office Manager

Graduating from the Harry F. Byrd Jr. School of Business at Shenandoah University taught me the importance of building life-long relationships. I acquired my bachelors degree in Business Administration, with a concentration in Management & Marketing. Through these programs, and with years of experience in the financial industry, I’m able to use the skills that I’ve developed on a daily basis as the Office Manager here at Perspective Wealth Planning.

It is my responsibility to ensure that our firms operations are functioning at a high-level, and efficiently as possible. We demand excellent customer service, and we will do anything in our power to assist our clients’ needs.

Anthony Szurlej

Financial Advisor

For as long as I can remember, investing has been my main passion in life. My investing journey began when I was 12 years old working my first job as a golf caddie. After each paycheck that I earned, I gave half of the money to my parents to invest for me. After years of doing so, I understood the significance of receiving passive income, and the power of having money "work for you".

I became infatuated with making investments, which led me to constant research of the financial markets. I spent years acquiring key fundamental & technical analysis skills, and was eager to learn anything that could give me an advantage in the stock market. I am proud to say that all of my time was well spent, and I am excited to have the opportunity to join Perspective Wealth Planning to begin my Financial Advising career. This was a perfect fit, because I have the ability to do what I love, and I can assist others along the way.

Matthew Fox CRC® AIF®

Owner / Financial Planner

I’ve always considered myself lucky because I knew what I wanted to be “when I grew up”. Working on Wall Street and being involved in the stock market was always my dream. After visiting New York City numerous times, those big-city dreams changed; and I realized my heart always belonged to Western Pennsylvania.

Spending the last 15 years developing long-lasting relationships with my clients and being able to help them pursue all of their financial goals is nothing short of my “dream come true”. As an Accredited Investment Fiduciary and Certified Retirement Counselor, I am held to the highest fiduciary standard. We pride ourselves on our ability to create customized financial planning and active asset management while delivering industry-leading customer service.

Jared Dykes CRC®

Owner / Financial Planner

Growing up, graduating college, and choosing to live in Pennsylvania has taught me the values of community. My clients come to me for guidance, not simply for planning and active asset management as a Certified Retirement Counselor and Smartvestor Pro, but a focus on superior customer service helps encourage them along the way.

Whether it’s planning for retirement, growing assets, or managing wealth, my clients know I listen to their needs before creating a customized plan. I put relationships before technical talk. Our company specializes in financial planning and active asset management, and as a principle of this company, I ensure our focus on customer service meets your financial needs.

Michael Tedeschi

Owner / Wealth Management Advisor

I’ve been passionate about the stock market for as long as I can remember! I got my economics degree at St. Mary’s Public Honors College of Maryland, where I honed my focus on effective strategies to properly manage risk and detect statistical edges. I wrote my college dissertation on behavioral game theory, where I concentrated on discovering optimal strategies to maximize profit potential.

With my passion for risk management, and for finding repeatable positive expected values, I created my own business focusing on stock market education and investing. After a decade, I joined Perspective Wealth Planning to lead their investment committee team. My role here is to design our in-house active management portfolios, as well as manage risk levels for our client’s investment accounts. I work with our clients to create an optimal blend of risk & upside potential, based on their financial needs.

Beau Soberdash

Office Manager

Graduating from the Harry F. Byrd Jr. School of Business at Shenandoah University taught me the importance of building life-long relationships. I acquired my bachelors degree in Business Administration, with a concentration in Management & Marketing. Through these programs, and with years of experience in the financial industry, I’m able to use the skills that I’ve developed on a daily basis as the Office Manager here at Perspective Wealth Planning.

It is my responsibility to ensure that our firms operations are functioning at a high-level, and efficiently as possible. We demand excellent customer service, and we will do anything in our power to assist our clients’ needs.

Anthony Szurlej

Title

Graduating from the Harry F. Byrd Jr. School of Business at Shenandoah University taught me the importance of building life-long relationships. I acquired my bachelors degree in Business Administration, with a concentration in Management & Marketing. Through these programs, and with years of experience in the financial industry, I’m able to use the skills that I’ve developed on a daily basis as the Office Manager here at Perspective Wealth Planning.

It is my responsibility to ensure that our firms operations are functioning at a high-level, and efficiently as possible. We demand excellent customer service, and we will do anything in our power to assist our clients’ needs.

Service Commitment

Communication

One of the most important aspects of providing superior customer service is constant client communication. Our clients stay current on everchanging financial conditions by utilizing our weekly industry news and investment videos. Our customers maintain peace of mind and clearly understand how we are evaluating the market through our quarterly market recaps and future outlook reports. Throughout each year, we maintain contact with our clients to continuously update your plan and accounts to navigate any life changes.

Commitment

Perspective Wealth Planning was founded upon a commitment to prioritize customer needs to create successful financial futures. Our commitment to superior customer service is a promise to listen to and address client needs. Beau Soberdash, our Office Manager, has a main directive to satisfy each customer in every communication. Our team actively seeks feedback to continually meet customer expectations. Our reward continues to be increasing customer referrals from satisfied, current clients.

Caring

Our Perspective Wealth Planning Mission Statement emphasizes our desire for creating lifelong client relationships. Our team utilizes decades of business success, honed organizational skills, high levels of integrity & accountability, and personal commitment to care for each client. A lifelong relationship is not possible without caring. We are consistently committed to help and ensure that we give you our very best, unbiased advice.  

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