Professionally Managed Investment Accounts

Comprehensive Financial & Retirement Planning Services

Too many people reach retirement with a collection of investment accounts — old 401(k)s from previous employers, an IRA here, a brokerage account there — that have never been coordinated, rebalanced, or aligned to a common strategy.


The result is often excessive risk, tax inefficiency, and investments that no longer match where you are in life.

At D.S. Drelich & Associates, our fiduciary investment advisors bring professional discipline to your investment portfolio.

We don't set it and forget it.


We actively monitor, rebalance, and adjust your investments as markets shift and your needs evolve.

Income Planning

We help you evaluate your current income, forecast future financial needs, and develop a retirement income strategy that provides confidence, stability, and long-term financial security throughout every stage of retirement.

Debt Management

We help you evaluate your current debt, develop efficient repayment strategies, and understand how debt affects your long-term financial picture so you can make informed decisions and build a stronger financial future.

Tax Mitigation

We help you implement proactive tax strategies that reduce unnecessary tax liabilities, improve financial efficiency, and position you to preserve more wealth for your future goals and the people who matter most.

Short-Term Planning

We help you create a clear plan for managing cash flow, maintaining appropriate emergency reserves, and preparing for major upcoming expenses, giving you greater financial flexibility and peace of mind.

Long-Term Planning

We help you build, manage, and protect your wealth with strategies designed to withstand market cycles, adapt to life's changes, and keep you focused on achieving your long-term financial goals.

College Planning

We help families create smart education funding strategies that support future learning opportunities without sacrificing retirement security, allowing you to invest in your loved ones' future while protecting your own.

Retirement Preparation

We help you create a clear, confident path from accumulating wealth during your working years to generating dependable retirement income, ensuring your financial resources are aligned with your lifestyle goals and retirement vision.

  • What's the difference between financial planning and retirement planning?

    Financial planning is broader.


    It includes:


    • Budgeting
    • Debt management
    • Savings
    • Insurance
    • Investments

    Retirement planning is a component of financial planning focused specifically on the transition from working income to retirement income.

  • How often should I review my financial plan?

    At least annually, and anytime a major life event occurs, including:


    • Marriage
    • Divorce
    • Job change
    • Inheritance
    • Health event
    • Significant market shift

  • What is tax-efficient financial planning?

    Strategies may include:


    • Roth conversions
    • Asset location strategies
    • Required Minimum Distribution planning
    • Charitable giving techniques
5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.