01 / WEALTH
Wealth & Investment Management
Actively managed portfolios through our partner RIA with Schwab custody. Diversified, tax-aware, and rebalanced as your life and markets change.
CFP®-led wealth management · Sherman Oaks, California
Wealth planned.
Assets managed.
Risk handled.
One firm.
Your Bridge to Wealth.
Wealthbridge Financial is a CFP®-led wealth management firm in Sherman Oaks, California. We coordinate investment management, retirement planning, tax strategy, and risk protection under one roof — so medical professionals and business owners stop juggling disconnected advisors and start making decisions from a single, integrated plan.
Interactive · Free
Are you actually on track to retire?
Most "retirement calculators" give you one number and call it a day. Real planning looks at three things together: what your portfolio will be worth, what it can sustainably pay you, and whether that matches the lifestyle you want.
This calculator runs all three in real time. Adjust the sliders and watch the dashboard update.
Calculations use a 7% average annual return (growth phase), 3% inflation adjustment, and a 4% sustainable withdrawal rate. For illustration only — not a guarantee of future results.
42yrs
65yrs
$
$
$
Portfolio at retirement
$3,820,068
Projected value at target age
Sustainable income
$152,803
Per year, using 4% rule
On-track status
Shortfall
Short by $143,216/yr
Disclaimer: This is a simplified projection. A real plan accounts for Social Security, tax location, spending phases, sequence-of-returns risk, and your specific portfolio mix.
01 / Managed money
Your assets, professionally managed.
We don't just plan — we manage. Through our partner RIA Acrylic Financial, we actively manage client portfolios with assets custodied at Charles Schwab. That means one integrated team handling investments, tax strategy, and risk together.
Fiduciary by design
As a CFP® Professional and through an RIA relationship, we are legally bound to act in your best interest — not paid to push a product that earns us more.
Actively managed, not set-and-forget
Portfolios are monitored and rebalanced in response to real market conditions and real changes in your life — not left on autopilot because it's easier.
Tax-aware every step
Asset location, tax-loss harvesting, Roth conversion timing, and withdrawal sequencing are all coordinated with your CPA so you keep more of what you earn.
Integrated with your whole plan
Your managed portfolio, retirement projection, estate strategy, and insurance coverage are not four separate conversations. They're one conversation — ours.
Who's involved in your plan
Your advisory team
Wealthbridge Financial
Your CFP®-led planning and service team. We build the plan, manage the relationship, and coordinate across every moving part.
Life insurance brokerage
APIM
Our brokerage general agency partner. Life insurance and related coverage placed through APIM’s carrier network — giving us access to the top 30+ carriers in the U.S.
Registered Investment Advisor
Acrylic Financial
Our partner RIA. Investment advisory services are offered through Acrylic Financial, with full fiduciary obligation under the Investment Advisers Act.
Independent custodian
Charles Schwab
Client assets are held at Schwab — one of the largest independent custodians in the U.S. You retain full online access to every account at all times.
CFP® ProfessionalFiduciary · 10+ years
02 / Meet your advisor
Financial planning that actually gets your life.
Aram Tony Urfalyan
Managing Partner
CERTIFIED FINANCIAL PLANNER™, ChFC®
I help medical professionals and business owners take the stress out of financial planning so they can focus on what matters most: running their practices, building wealth, and enjoying life.
After a decade advising physicians, surgeons, dentists, pharmacists, and business owners, I know the issues that actually keep my clients up at night — high taxes eroding income despite long hours, student loans and practice overhead competing with wealth-building goals, uncertainty about retirement readiness after years of focusing on patients instead of portfolios, and the challenge of coordinating practice planning with personal financial planning.
My job is to make those issues manageable — and, honestly, to make them empowering. That means integrated wealth strategies, tax-efficient plans, multi-generational estate work, and investment management that's aligned with your actual values and vision. Confidence today. A lasting legacy tomorrow.
Physicians & surgeons
Dentists & orthodontists
Pharmacists
Nurse practitioners
Chiropractors
Business owners
03 / Services
One firm.
One firm.
One integrated plan.
Four disciplines that reinforce each other. We coordinate the whole picture so the pieces actually work together — instead of one advisor for investments, another for insurance, and a third for planning.
02 / RETIREMENT
Retirement Planning
Full projections across savings, Social Security, pensions, and portfolio withdrawals. Plus income sequencing to manage taxes and market timing risk.
03 / PLANNING
Comprehensive Financial Planning
Tax strategy, estate coordination, education funding, practice planning, and cash flow — in one integrated plan that actually gets reviewed.
04 / RISK
Life Insurance & Risk Management
Coverage shopped across 30+ A-rated carriers — term, permanent, and tax-advantaged indexed universal life insurance policies may be considered when appropriate based on a client’s objectives and circumstances.
04 / Risk management
Protection, when it actually fits the plan.
Life insurance should protect your family and reinforce your wealth strategy — not the other way around. We only recommend coverage that matches a real planning need: income replacement, estate liquidity, tax-advantaged accumulation, or business continuity.
Because we're independent, we shop across 30+ A-rated carriers and structure the policy for what it needs to actually do. We also advocate during underwriting so you get the best rate class you qualify for.
Term Life (10/20/30)
Whole Life
Indexed UL (IUL)
Final Expense
Disability Insurance
Long-Term Care
Key Person
Buy-Sell Funding
Try the quick D.I.M.E. calculator → then book a call and we'll walk through whether the number actually fits your plan.
Quick coverage estimate
D.I.M.E. METHOD
$
$
$
$
Suggested coverage
$2,650,000
Income × 10 + debts + mortgage + education, minus existing assets. We'll refine this in your consultation based on your actual plan.
05 / FAQ
Questions, answered.
The questions we hear most from new clients. If yours isn't here, call (310) 620-1150.
Are you a fiduciary?
Yes. As a CFP Board Certified Financial Planner, Aram Tony Urfalyan is held to a fiduciary standard and is legally required to act in clients' best interests. Investment advisory services offered through Acrylic Financial are provided subject to the fiduciary obligations applicable to registered investment advisers under federal securities laws.
How are you compensated? Fee-only, fee-based, or commission?
Wealthbridge is fee-based. Investment management is charged as a percentage of assets under management through Acrylic Financial. Certain insurance and risk-management products are commission-based when they're the right tool for the job. All compensation is disclosed in writing before you sign anything, and we explain which hat we're wearing on every recommendation. If you'd prefer a flat-fee planning engagement instead of AUM, we can discuss that too.
What does it cost? Is there a minimum?
Minimums and fees depend on the scope of engagement. Our typical investment management fee is tiered — it declines as assets grow. For planning-only or hourly engagements, we quote a flat fee up front. The initial consultation is free and carries no obligation. We'll give you a clear number before you decide anything.
Who actually holds my money?
Your assets are custodied at Charles Schwab — one of the largest independent custodians in the U.S. Neither Wealthbridge Financial nor Acrylic Financial ever takes custody of client funds. You retain 24/7 online access through Schwab, and any movement of money goes through authenticated Schwab channels. This structure is how reputable RIAs have operated since the Madoff era — the advisor manages the plan, a third-party custodian holds the assets.
What's the first meeting like?
The first 30–45 minute call is discovery, not sales. We listen to where you are and what you're trying to solve, answer your questions about how we work, and tell you honestly whether we're the right fit. There's no pitch, no pressure, and no cost. If we move forward, the next step is a deeper fact-finding meeting where we gather statements, tax returns, and goals.
How is this different from a big brokerage firm (Morgan Stanley, Merrill, UBS)?
Large brokerage firms typically have product quotas, internal compensation that favors certain products, and high advisor turnover. We're an independent practice: Tony is your advisor for the long term, planning is genuinely customized, and recommendations aren't filtered through a corporate product shelf. You get a CFP® Professional who knows your name, your family, and your plan — not an 800-number that routes you to whoever picks up.
Your Bridge to Wealth
Your plan deserves
a real financial planner.
Thirty minutes with Tony Urfalyan, CFP® is enough to know if we're the right fit. No sales pitch. No obligation. Just a CFP® who listens and tells you the truth.