My vision for each family I work with is to help them achieve comfort, security, and peace of mind. It is amazing what can be accomplished when planning becomes a priority. Ultimately, it is my job to steward clients to a fully integrated financial and personal life. Money and wealth should have a purpose. I often ask clients, “What is the purpose of this money?” Using a goals-based planning approach helps connect the dots – it brings purpose to your wealth and your work. Our process is intentional, disciplined, and client-centric. We discover, analyze, implement, monitor, and adjust your plan as appropriate in order to attain your life and financial goals.
In his role as a Senior Wealth Advisor, Ayad (pronounced “E-yad”) is the primary point of contact within the client relationship. As a fee-only planner, he oversees the goals-based financial planning process and is responsible for providing objective advice, guidance, and solutions designed to help clients reach their long-term financial objectives.
Ayad joined Wealthcare in 2021 by founding Wealthcare of the Lehigh Valley – an independent affiliate of Wealthcare Capital Advisory Partners. He has over 20 years of experience in the financial industry in a variety of capacities and has spent time with reputable firms such as TIAA and Vanguard. Although most of his experience lies within client-facing and advice roles, he has also worked in trading, risk management, and small business planning, all of which lend to a very well-rounded background in understanding the overall financial landscape. Ayad earned a B.S. in Business Administration from Bloomsburg University and completed his MBA in Finance at DeSales University. He obtained a certificate in financial planning from the Bryant University Executive Development Program and earned his designation as a CERTIFIED FINANCIAL PLANNER® from the CFP Board in 2017. Additionally, Ayad recently earned his Accredited Investment Fiduciary® designation. The purpose of the AIF® Designation is to assure that those responsible for managing or advising on investor assets have a fundamental understanding of the principles of fiduciary duty, the standards of conduct for acting as a fiduciary, and a process for carrying out fiduciary responsibility.
Ayad has found great success in working primarily with educators and medical professionals. Having developed a deep understanding of their unique career challenges lends to greater success in stewarding their financial lives. Although technology allows him to serve people in any location, he primarily works with people living in the Allentown, Bethlehem, Easton, and the Greater Lehigh Valley region.
In his personal life, Ayad stays very active with his family and community. He has been a lifelong resident of the Lehigh Valley and currently resides in Bethlehem, PA with his wife Caroline and three daughters – Marina, Georgina, and Lucia. Appreciating the importance of giving back, he volunteers regularly with the American Amarian Charity Society and is an active Board Member with Victory House of Lehigh Valley.
Established in 1999, Wealthcare Capital Management (Wealthcare) is a very different kind of a financial advisory firm. We pioneered a new way of providing financial life guidance, using Goals-Based Wealth Management. The cornerstone of our patented goals-based investing process is quite simply to help our clients, above all else, to make the most of their life.
We accomplish this by helping you understand and identify your most important life goals. And then we align your investments with those goals. Our process guides you through the myriad of changes in your life that will invariably require financial decisions. This is what we refer to as Financial Guidance for Life.
At Wealthcare, we measure our success in our clients’ fulfillment — one client at a time.
With our goals-driven investing approach, you will:
Wealthcare’s patented process is designed to help you reach your life goals, while minimizing unnecessary investment risk or needlessly sacrificing your life now.
Our process is dynamic and continual, as is life, and it will guide you through the entirety of your financial life.
A conversation that helps you to visualize your most important life goals
Do you like to travel? How will you pay for your children’s education? What exactly does “comfortable” retirement look like to you? You’ll cover these topics — and more — during our initial conversation.
We’ll use this conversation as a launching pad for creating your financial life plan. My objective as your Wealthcare advisor is to inspire and guide you toward pursuing the life of your dreams. I will help you define your life goals, and most importantly, will guide you toward achieving them.
But this is just a beginning. Wealthcare’s financial plan is not a “set it and forget it” tool. It’s a dynamic financial guidance system that evolves as your circumstances and financial markets change. I will continually monitor your plan against your changing life events and your investment portfolio, keeping the two in sync. Our software runs sophisticated market simulations, designed to monitor, measure and track your progress and report back to you with clarity.
You will have confidence in your financial life plan because I will be constantly performing analytics in an effort to ensure your success. At Wealthcare, we call this being in the Comfort Zone. The Comfort Zone measures the probability of reaching your financial goals. And it also alerts you if you veer off course.
This chart is for illustrative purposes only.
The Wealthcare process is YOU-driven, not market-driven. As your circumstances, goals and priorities change, I will work with you to make appropriate adjustments. Whatever life events come your way — from expanding your family to buying a vacation home — I will monitor and measure each event against its financial impact on your plan.
What if you could: Spend more. Save less. Retire earlier. Or take less investment risk?
With the Wealthcare advising process we can explore these possibilities. When your plan is inside the Comfort Zone, you can be confident you will arrive at your desired financial destination. Our singular purpose is to help you make the most of your life.
A conversation that helps you visualize your most important goals and helps your advisor create a life plan for achieving those goals.Learn More