---
title: Wealth Management Blog | WrapManager | Gabriel Burczyk
description: Founder & CEO
---

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WrapManager's Wealth Management Blog

When life changes, we can help you thoughtfully respond.

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## Gabriel Burczyk

Founder & CEO

### Recent Posts

### [The Shaky State of Social Security](https://www.letsassemble.com/wealth-management-blog/the-unknown-future-of-social-security)

 Posted by [ Gabriel Burczyk | Founder & CEO ](https://www.letsassemble.com/wealth-management-blog/author/gabriel-burczyk)

July 4, 2018

[![The Shaky State of Social Security](https://www.letsassemble.com/hs-fs/hubfs/blog-files/The%20Uncertain%20Future%20of%20Social%20Security%20Benefits.png?width=300&name=The%20Uncertain%20Future%20of%20Social%20Security%20Benefits.png) ](https://www.letsassemble.com/wealth-management-blog/the-unknown-future-of-social-security)

If there’s a good word to describe the state of Social Security in America, it might be something like “uncertain.” And that’s a far cry from the *reliable*, *dependable* safety net that many retirees and future retirees have come to expect of the program.

Many readers probably know where this is going – the familiar narrative that Social Security is underfunded, may run out of money soon, and may not be there for future generations. Even still, as the checks continue rolling in, the idea that Social Security is in trouble has a feeling of being far-fetched. For many, it feels like an issue that may indeed be true but doesn’t necessarily apply to you specifically.

First signed into effect by President Roosevelt on August 14, 1935, the Social Security Act created a social insurance program designed to pay retired workers over the age of 65 continuing income after retirement. Since then, tens of millions of people have received benefits through the Social Security Act. Yet, the program was wrought with challenges from the start, and experienced financial peril as early as 1977.¹

And, despite attempts to keep it solvent, the Social Security program faces a major long-term shortfall. Surprisingly though, a large number of Americans seem unaware of this looming failure.

[[+] Read More](https://www.letsassemble.com/wealth-management-blog/the-unknown-future-of-social-security)

[Retirement Planning](https://www.letsassemble.com/wealth-management-blog/topic/retirement-planning) [Social Security Benefits](https://www.letsassemble.com/wealth-management-blog/topic/social-security-benefits) [Retirement Income Strategy](https://www.letsassemble.com/wealth-management-blog/topic/retirement-income-strategy)

[![Rethink your Retirement Strategy with Goals-Based Wealth Management](https://www.letsassemble.com/hs-fs/hubfs/what%20is%20goals%20based%20investing.png?width=300&name=what%20is%20goals%20based%20investing.png)](https://www.letsassemble.com/wealth-management-blog/retirement-planning-using-goals-based-wealth-management)

### [Rethink your Retirement Strategy with Goals-Based Wealth Management](https://www.letsassemble.com/wealth-management-blog/retirement-planning-using-goals-based-wealth-management)

April 17, 2018

 An axiom you hear often in the financial world is that “every person’s financial situation is different.” That’s undoubtedly true. What you don’t hear often enough is that every person’s financial goals are different. Goals often tend to get stripped down and over-simplified in the planning process. For example, having a goal of “long-term growth” or “to retire at 65” is useful, but it is not specific enough to build a comprehensive plan around. The end result is that over-simplified goals often result in over-simplified retirement plans. Goals-based wealth management is designed to help investors avoid the over-simplification trap. The idea is try to be as specific as possible about each outcome you want in retirement. Just about everyone wants long-term growth. But does everyone want a mountain home in Colorado and to help with the down payment on their grandchildren’s homes? Probably not. Digging into the details matters, and usually reveals quite a lot about what your goals really are for retirement. Once you’ve made a list of goals that’s unique to you, your financial advisor can work backwards to make sure your investment plan addresses each one head-on. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/retirement-planning-using-goals-based-wealth-management)

[![How Does Loss Aversion Affect Your Investment Goals?](https://www.letsassemble.com/hs-fs/hubfs/blog-files/Rethinking_Loss_aversion.png?width=300&name=Rethinking_Loss_aversion.png)](https://www.letsassemble.com/wealth-management-blog/rethinking-loss-aversion)

### [How Does Loss Aversion Affect Your Investment Goals?](https://www.letsassemble.com/wealth-management-blog/rethinking-loss-aversion)

March 20, 2018

 Many readers have probably heard the axiom that investors “loathe losses about twice as much as they enjoy gains.” This notion that losses loom larger than gains is a behavioral finance idea known as “loss aversion,” and it’s been around since 1979 when two economists, Kahneman Tversky, formalized the idea in a paper called Prospect Theory. To give you an idea of just how widely accepted the idea of loss aversion is, Prospect Theory is the most cited paper in all of economics and the third most cited paper in psychology. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/rethinking-loss-aversion)

[![What Will the Final Tax Legislation Look Like?](https://www.letsassemble.com/hs-fs/hubfs/blog-files/What%20What_Will-the-Final-Tax-Legislation-Look-Like%20.png?width=300&name=What%20What_Will-the-Final-Tax-Legislation-Look-Like%20.png)](https://www.letsassemble.com/wealth-management-blog/tax-law-comparison-house-vs-senate)

### [What Will the Final Tax Legislation Look Like?](https://www.letsassemble.com/wealth-management-blog/tax-law-comparison-house-vs-senate)

December 11, 2017

 The Senate and the House have passed their own versions of tax reform, but the work of making tax reform law is far from over. From here – and perhaps over the next few weeks – a conference committee of House and Senate Republicans will convene to try and iron out the differences between the two bills. This reconciliation process is no layup, but conference committee proceedings also rarely fail. The bigger question at hand may not be if Republicans can get tax reform done. But rather: can Republicans have a bill on the president’s desk by Christmas? Time will tell. As the debate rolls on in Congress, we thought it’d be a good opportunity to look at some of the key features of the bills – what they have in common, and where the biggest differences lie. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/tax-law-comparison-house-vs-senate)

[![The Retirement Question Advisors Forget to Ask](https://www.letsassemble.com/hs-fs/hubfs/blog-files/WrapManager_The_Retirement_question_where_to_retire.png?width=300&name=WrapManager_The_Retirement_question_where_to_retire.png)](https://www.letsassemble.com/wealth-management-blog/the-retirement-question-that-advisors-forget-to-ask)

### [The Retirement Question Advisors Forget to Ask](https://www.letsassemble.com/wealth-management-blog/the-retirement-question-that-advisors-forget-to-ask)

November 29, 2017

 Investor education materials focused on retirement planning tend to try and answer the essential questions: how do you get yourself retirement-ready from a savings and investment standpoint? And, when are you planning to retire? These are the critical questions that define everything from how much you defer to your company retirement plan to how you structure your portfolio. In short, digging into these questions creates a solid foundation for retirement planning. But the question missing from this foundation is arguably just as critical to the planning process, yet it often gets left out. That question is: Where do you plan on retiring? [[+] Read More](https://www.letsassemble.com/wealth-management-blog/the-retirement-question-that-advisors-forget-to-ask)

[![How Do You Know it’s Time to Hire a Wealth Manager?](https://www.letsassemble.com/hs-fs/hubfs/blog-files/Hire-a-Wealth-Manager.png?width=300&name=Hire-a-Wealth-Manager.png)](https://www.letsassemble.com/wealth-management-blog/is-it-time-to-hire-a-wealth-manager)

### [How Do You Know it’s Time to Hire a Wealth Manager?](https://www.letsassemble.com/wealth-management-blog/is-it-time-to-hire-a-wealth-manager)

October 4, 2017

 For some investors, hiring a wealth manager is a no-brainer. Whether it’s because finance and investing was not your chosen profession, or because you enjoy spending time doing other things, managing your financial life may feel like something best handled by a professional. Easy enough. For others, the decision to hire a wealth manager or financial advisor is not as clear-cut. There are “do-it-yourselfers” who prefer self-managing; people who keep all of their retirement assets at the bank or in the old company 401(k) plan; and even those who want to hire an advisor but simply don’t understand enough about the wealth management profession to know where to start (if that’s you, start here.) [[+] Read More](https://www.letsassemble.com/wealth-management-blog/is-it-time-to-hire-a-wealth-manager)

[![What If You Have to Retire Earlier Than Expected?](https://www.letsassemble.com/hs-fs/hubfs/blog-files/when%20you%20have%20to%20retire%20early.png?width=300&name=when%20you%20have%20to%20retire%20early.png)](https://www.letsassemble.com/wealth-management-blog/what-if-you-have-to-retire-earlier-than-expected)

### [What If You Have to Retire Earlier Than Expected?](https://www.letsassemble.com/wealth-management-blog/what-if-you-have-to-retire-earlier-than-expected)

August 23, 2017

 Life is full of detours and unknowns, and in many cases retirement planning is too. Sometimes people are forced to change jobs, to give financial help to family members in need, or to buckle down and save less during an economic downturn. But other times the detours are welcomed ones: a person relocates for a better paying job, gets the opportunity to do contract work during retirement for extra income, or maintains good enough health to work later into life. The bottom line is that retirement planning is different for everyone. The path to retirement we ultimately take may not be the one we originally planned. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/what-if-you-have-to-retire-earlier-than-expected)

[![12 Ways to Define the Investment Goals that Matter to You](https://www.letsassemble.com/hs-fs/hubfs/blog-files/Define-Investment-Goalsyellotype.png?width=300&name=Define-Investment-Goalsyellotype.png)](https://www.letsassemble.com/wealth-management-blog/define-the-investment-goals-that-matter-to-you)

### [12 Ways to Define the Investment Goals that Matter to You](https://www.letsassemble.com/wealth-management-blog/define-the-investment-goals-that-matter-to-you)

July 13, 2017

 Being a prudent saver and a savvy investor can help you accumulate the assets you need for retirement. In some cases, that can mean a formula as simple as saving 20% of all your lifetime earnings and hiring a trusted adviser to build you a diversified investment portfolio. But for those who want to take the planning process a step further, it can be beneficial to define the investment goals that matter to you. This exercise can provide you clarity to answer not the question of how to save and where to save, but why to save. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/define-the-investment-goals-that-matter-to-you)

[![When it Comes to Retirement Planning, What’s the Difference Between Needs and Wants?](https://www.letsassemble.com/hs-fs/hubfs/blog-files/needs-vs-wants.png?width=300&name=needs-vs-wants.png)](https://www.letsassemble.com/wealth-management-blog/retirement-planning-needs-vs-wants)

### [When it Comes to Retirement Planning, What’s the Difference Between Needs and Wants?](https://www.letsassemble.com/wealth-management-blog/retirement-planning-needs-vs-wants)

June 14, 2017

 Retirement planning involves more than just saving money in a 401(k) or putting away cash in IRAs here and there. An investor has to consider many other factors: living expenses and cash flow needs throughout one’s lifetime (as well as a spouse’s lifetime, if applicable), health care spending and how that can change over time, Social Security timing decisions, estate planning, and tax strategies. It can be a lot of work. When it comes to planning for living expenses and cash flow needs (spending), one beneficial exercise can be to categorize your assets/goals into 'needs,' 'wants,' and 'legacy' items. The next step would be to think about how your retirement plan can be used to fund each category, starting with your needs first. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/retirement-planning-needs-vs-wants)

[![The 4-Step Action Plan if You’re Worried About Your Investment Portfolio](https://www.letsassemble.com/hs-fs/hubfs/blog-files/volitile-stock-market-action-plan.png?width=300&name=volitile-stock-market-action-plan.png)](https://www.letsassemble.com/wealth-management-blog/action-plan-if-youre-worried-about-your-investment-portfolio)

### [The 4-Step Action Plan if You’re Worried About Your Investment Portfolio](https://www.letsassemble.com/wealth-management-blog/action-plan-if-youre-worried-about-your-investment-portfolio)

May 31, 2017

 It is an interesting time in the United States’ sociopolitical sphere, to say the least. But lucky for you, this article isn’t about politics, a social movement, or anything in the news for that matter. It is about what to do if you start to get worried about how the equities and/or bond markets may react to ongoing developments and potential controversies. In the current environment, it is the uncertainty that has many investors on edge. For some, every day may feel like it has the potential for some breaking story that sinks markets. To help address any concern investors may have, we present a 4-step action plan for what to do when you’re worried about your investment portfolio. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/action-plan-if-youre-worried-about-your-investment-portfolio)

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