Decision Financial Services offers a comprehensive Wealth Builder Program that integrates proactive tax strategy, investment coordination, and ongoing advisory support. Founded by Monika Hengesbach, an Enrolled Agent and NTPI Fellow with over 30 years of experience, the firm provides personalized, concierge-level tax services to over 1,000 clients.
Services include entity optimization, capital gains management, retirement planning coordination, and investment restructuring, all executed with precision timing and full compliance oversight. The firm also offers year-round advisory relationships, strategic review sessions, real-time tax law change alerts, ongoing financial education, and direct access for urgent decisions. With a focus on holistic wealth building, Decision Financial Services tailors strategies to each client’s unique financial landscape, goals, and circumstances for optimal results.
Proactive, year-round strategic planning
Integration of tax planning with investment coordination
Holistic wealth building approach
Virtual Family Office leveraging technology
Services
Wealth Builder Program
A comprehensive, year-round strategic planning service integrating proactive tax strategy, investment coordination, and ongoing advisory support.
A modern, cost-effective approach to family office services leveraging technology to provide comprehensive financial planning, tax planning, wealth management, business advisory, and risk mitigation solutions.
"They are very knowledgeable of current tax laws & changes."
Frequently Asked Questions
What makes the Wealth Builder Program different than traditional CPA services? +
Unlike traditional CPAs who focus on compliance and historical tax filing, our Wealth Acceleration Program provides proactive, year-round strategic planning. We implement complex multi-year tax strategies, monitor tax law changes continuously, and integrate investment planning with tax optimization. Our approach is holistic wealth building rather than reactive tax preparation.
Do you provide investment management services or just tax planning? +
We provide comprehensive financial solutions that integrate tax planning with strategic investment guidance. While we don’t directly manage investments, we coordinate with your investment advisors and recommend tax-efficient strategies, asset allocation adjustments, and specific vehicles like Opportunity Zones, charitable trusts, and qualified plans that accelerate wealth building.
How much can I realistically expect to save in taxes annually? +
Our clients typically save 15-40% of their annual tax liability through strategic planning. For individuals with $1-5M net worth, this often translates to $50,000-$500,000+ in annual savings. The exact amount depends on your income sources, asset structure, and implementation timeline. During your consultation, we’ll provide specific projections for your situation.
What is a Virtual Family Office? +
A Virtual Family Office (VFO) is a modern and cost-effective approach to family office services, leveraging technology to provide comprehensive financial planning, tax planning, wealth management, business advisory and risk mitigation solutions to high-net-worth individuals and business owners without the large overhead cost of a dedicated family office.
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