Gateway Financial Partners

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David E. Pentek

Investment Advisor Representative

Holistic Financial Guidance Tailored to Your Dreams

Helping You Plan, Save, Preserve & Manage Your Wealth

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Invest in Your Dreams Legacy Future

Guided by Passion and Purpose

David Pentek’s passion for financial planning comes from his personal journey seeking independence, wealth, and financial stability. His experiences dealing with complex corporate changes and the desire for independent wealth have paved the path for his career in the financial services industry. This personal connection fuels his dedication to each client’s financial wellbeing, understanding intimately the importance of a tailored approach.

For over two decades, David has been the financial guide for countless individuals, families, and business owners. His approach is firmly anchored in risk management, aiming to ensure his clients are not only working towards their financial dreams but doing so with a mindful eye on preserving what they have worked so hard to earn.

David offers a broad range of investment and insurance solutions, from retirement income strategies to estate analysis and conservation. Every aspect of his service is designed to help clients grow and seek to protect their most valued assets. He understands that the intricacies of finance can often feel like a maze, and he thrives on being able to provide guidance and clarity for his clients.

In every client relationship, David places financial independence and wellbeing as his number one priority. He doesn’t merely provide a service; he forms partnerships with his clients, taking their financial goals as seriously as his own. He takes pride in giving his clients the financial confidence they deserve, knowing they have a committed financial guide navigating their path to financial independence.

Whether you’re just starting your financial journey or seeking to preserve and invest your established wealth, David is ready to be your guide. His commitment to your financial independence and wellbeing is more than a business model; it’s a personal mission.

Our Services

Retirement Planning

Comprehensive services aimed at preparing clients for a confident and fulfilling retirement.
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Retirement Planning

Whether you're just beginning to think about retirement or are already in your golden years, our retirement planning services are designed to help you make the most of your retirement savings and navigate the journey to a confident financial future.

In addition to providing guidance on retirement income strategies and financial products, we also assist with rollovers and lump sum distribution strategies, annuities and income planning, and defined benefit plans. We understand that every client's retirement goals and financial circumstances are unique, so we tailor our services to meet their individual needs.

When it comes to retirement planning, the landscape can be quite complex. Rules for IRA contributions, social security benefits, and the nuances of different retirement accounts can be daunting. We’re here to demystify the process and aim to ensure you feel confident and informed about your decisions.

Moreover, we can help clients understand and employ strategies around SEP / SIMPLE IRAs, and social security. By leveraging our deep understanding of these often overlooked areas, we seek to ensure that our clients are aiming to maximize their opportunities for a comfortable retirement.

We also believe that successful retirement planning doesn't stop once you retire. It's an ongoing process that requires regular review and adjustment based on your changing needs and financial circumstances. We're committed to being a reliable partner for our clients throughout their retirement journey, providing them with the knowledge, tools, and guidance they need to enjoy a fulfilling and financially independent retirement.

Wealth Management Services

Personalized services dedicated to effectively managing, investing, and preserving client's wealth.
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Wealth Management Services

Our wealth management approach revolves around understanding the broader picture of our client's life, factoring in their personal circumstances, financial objectives, and risk tolerance. This comprehensive view enables us to craft wealth management strategies that truly resonate with our clients and their aspirations.

We offer a broad spectrum of investment options that encompass ETF’s, mutual funds, stocks, and bonds. By diversifying investments across different asset classes, we aim to balance potential risks and returns to preserve and invest wealth in a dynamic financial market. With our full-service brokerage, we aim to ensure that clients have access to a plethora of financial instruments that align with their investment objectives and risk profile.

A significant aspect of our wealth management services is continual risk assessment. Markets are inherently volatile, and investment values can fluctuate. By implementing sound risk analysis techniques, we help clients understand these fluctuations, mitigate potential losses, and take advantage of growth opportunities when they arise.

In addition, we consider the tax implications of various investment strategies to help preserve our clients' wealth. By capitalizing on tax-efficient investing strategies, we aim to increase net returns and help our clients keep more of their hard-earned money.

Lastly, we strongly believe in educating our clients about their investments. Financial literacy empowers clients to engage in the wealth management process actively, fostering a partnership approach that we highly value. By helping clients understand their investment portfolios, we promote open dialogue and mutual decision-making, reinforcing the trust and transparency that underpins our client relationships.

 

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Estate Analysis & Conservation

Services focused on preparing estates, aiming to ensure a smooth transition for loved ones and seek to minimize tax liabilities.
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Estate Analysis & Conservation

Estate planning strategies are not just about distributing assets; they’re about leaving a legacy. We believe that an effective estate planning strategy is a dynamic, ongoing process that evolves with your life changes and financial landscape. As such, our services in this field aim to ensure your wealth is preserved, invested, and transferred according to your wishes.

In the first phase, we conduct an in-depth estate analysis. This involves a thorough review of your current financial status, including your assets, liabilities, and overall net worth. We pay special attention to various tax implications and legal constraints, seeking to ensure no detail is overlooked in the process. Through this comprehensive approach, we are able to identify potential estate tax liabilities and propose strategies aiming to minimize them.

Our tax reduction strategies are central to our estate planning strategy process. We delve into the intricacies of estate and gift taxes and work on ways seeking to minimize their impact. This may involve mechanisms such as family limited partnerships, irrevocable life insurance trusts, and charitable remainder trusts, all of which could potentially reduce estate tax burdens. Each strategy is carefully assessed for alignment with your financial objectives and risk tolerance, aiming to ensure they work in synergy with your broader financial plan.

For clients who are passionate about supporting charitable causes, we offer comprehensive charitable giving strategies. We help you understand the various ways to give, including direct donations, donor-advised funds, charitable trusts, and more. Each method carries its own unique tax benefits, and we'll guide you in choosing the options that better align with your philanthropic goals while seeking to maximize tax advantages.

Confirming your loved ones are cared for and your legacy is honored is a critical aspect of our estate planning strategy. We work with you to develop clear, legally sound documents, including wills and trusts, that express your wishes accurately. This aims to ensure a smooth transition of wealth to your heirs, providing them with financial confidence while mitigating potential family disputes.

At the end of the day, our objective is to deliver financial independence through thoughtful, comprehensive estate planning strategies that uphold your legacy, preserves your wealth, and conserve the future for your loved ones.

Health Insurance and Risk Management

Comprehensive insurance strategies seeking to protect clients and their loved ones from unforeseen life events.
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Health Insurance and Risk Management

In the realm of personal finance, health insurance and risk management play a crucial role. Uncertainties are a part of life, and seeking to ensure that you're well-protected against unforeseen events is a key part of pursuing financial independence. To facilitate this, we provide a broad spectrum of health insurance strategies and risk management services.

Understanding and navigating the complexities of health insurance can be a daunting task. We strive to simplify this process by offering a diverse suite of health insurance strategies, catering to a wide variety of needs and circumstances. While health insurance covers the costs of healthcare, our risk management services are designed to prepare you and your loved ones from potential financial adversities that could arise from unexpected life events. Our services in this area span from Long-Term Care Insurance, Life Insurance and Final Expense Planning that provide financial confidence for your family in the event of your passing.

For individuals with special needs or their caregivers, we offer specialized planning services seeking to ensure a confident future. In essence, our goal is to empower you with the knowledge and resources to choose health insurance and risk management plans better suited to your circumstances. By providing you with a clear understanding of your options, we aim to ensure that you're equipped to make informed decisions about your health insurance and risk management needs, fortifying your financial future against unexpected events.

Business Planning

Services to help business owners navigate transitions smoothly and aim to ensure their business continues to thrive.
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Business Planning

Entrepreneurship comes with a mix of rewards and challenges. One of the most significant aspects of owning a business is planning for its financial future. Our business planning services are meticulously designed to help business owners overcome hurdles and leverage opportunities for their business's growth and continuity.

Succession planning is crucial in aiming to ensure that your business will continue to flourish even after your departure, whether planned or unforeseen. We assist in creating robust succession strategies, helping you identify potential successors and prepare them to take the helm. This preparation aids in preventing disruptions and maintaining the business's value.

Our Buy / Sell Agreement Funding services cater to businesses with multiple owners. We aid in establishing and funding buy-sell agreements, which determine how business ownership will be transferred in case of an owner's retirement, disability, or death. These agreements seek to ensure smooth transitions, preserve business continuity, and provide a clear exit strategy for the owners.

We guide businesses in identifying key personnel and arranging suitable key person insurance policies. These policies can help businesses mitigate the financial impact and provide funds to recruit and train replacements in the unfortunate event of a key employee's loss.

We believe that financial education plays an essential role in empowering business owners to make informed decisions. That's why we offer seminars and workshops covering a range of relevant topics. Whether you're curious about estate planning strategies, interested in strategies for retirement planning, keen to learn about charitable giving, or exploring ways to fund your child's college education, we have resources to expand your knowledge and guide you.

Moreover, we assist business owners in aligning their personal and business financial goals. This alignment is vital, as the financial health of the business often directly impacts the personal financial wellbeing of the business owner. By helping you create a comprehensive financial plan, we aim to bring clarity, reduce stress, and help you navigate your entrepreneurial journey with confidence.

In essence, we don't just offer business planning services; we partner with you, providing you the tools, resources, and guidance needed to preserve your business's financial future and your personal wealth.

Get to Know Us

David E. Pentek

Investment Advisor Representative

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Navigating Your Financial Journey with David Pentek

David Pentek’s introduction to the financial services industry started in 1999 at Dain Rauscher, where his dedication and determination led him to pass the Series 7 exam. This marked the onset of a journey fueled by passion and ambition. Displaying leadership and drive for success, David quickly ascended through the ranks, making notable achievements along the way. His crowning accomplishment was being named the North Central Region Sales Manager of the Year in 2004, a prestigious honor he received while at Met Life.

David’s professional voyage continued to take him to new horizons, leading him to a role as a sales manager at Mass Mutual. Each experience added another layer of knowledge and skill to his growing portfolio, preparing him for the independence and responsibility that came with managing his own financial advisory service.

An unwavering commitment to continuous learning underpins David’s professional persona. To this end, he earned a bachelor’s degree in business communications at the University of Wisconsin – Stevens Point. This academic background, coupled with his practical experience, allows him to communicate complex financial strategies in an accessible and understandable manner.

David’s dedication to professionalism is evident in his numerous licensures. As a practicing fiduciary for his advisory clients, he holds a Series 7 and 63 through LPL Financial and Series 65 through Gateway Wealth Partners. He also holds Life and Health Insurance licenses. These qualifications enable him to provide a comprehensive range of services to his clients, covering various aspects of financial management, from investments to insurance.

But David is more than his qualifications and achievements. He is a financial advisor who prides himself on building personal relationships with each client. He takes the time to understand their unique financial goals and works tirelessly to help them pursue these. His professional journey has been marked by a deep-seated desire to provide confidence and financial independence to his clients, and he brings this same dedication and passion to every new relationship he builds.

Do Our Values Align?

Our Ideal Client

David’s clientele primarily comprises retirees and small businesses, as he specializes in addressing their distinct financial needs and aspirations. He extends his services to clients with a minimum of $100,000 in investable assets, unless they are part of an employer plan or referred by an existing client.

One of David’s core beliefs is that every client, irrespective of their asset size, deserves to receive the same level of attentive, high-quality service. He values transparency, integrity, and trust in his professional relationships, aiming to ensure his clients’ needs and goals are always the central focus of any financial plan he develops.

Furthermore, David is dedicated to client education, firmly believing that an informed client is an empowered client. He takes the time to explain the intricacies of financial strategies, investment opportunities, and potential risks to his clients, helping them make informed decisions about their financial future.

So, if you are a retiree or a small business owner seeking a personalized approach to financial planning, and you value transparency, integrity, and a client-centered approach, you would align well with David’s philosophy and practice. If you’re ready to work with a financial advisor who is fully committed to helping you pursue your financial goals, and who will be by your side every step of the way, contact us today to start your journey towards financial independence.

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Insights & Market Commentary

FAQ's

A financial advisor is a professional who helps clients manage their finances, investments, and wealth. They offer personalized advice and guidance based on their clients' financial goals and needs. Financial advisors can provide services such as retirement planning, investment advice, tax planning, estate planning, and more.

Hiring a financial advisor can be beneficial for those who need help managing their finances, planning for the future, or making investment decisions. Financial advisors can provide expert advice and guidance to help clients achieve their financial goals and make informed financial decisions.

When looking for a financial advisor, using BrokerCheck can provide valuable information about the advisor's background, including their employment history, registration status, and any disciplinary actions or customer complaints. By using BrokerCheck, investors can make informed decisions about which financial advisor to work with and avoid potential fraud or misconduct.

Financial advisors can offer a wide range of services, including retirement planning, investment advice, tax planning, estate planning, risk management, and more. The specific services offered may vary depending on the advisor's experience and qualifications.

As an independent financial advisor, we believe in developing a diversified investment portfolio that aligns with clients' long-term financial goals and risk tolerance. We review and rebalance portfolios regularly and provide education to help clients understand their investment strategy. During times of market volatility, we stay in close communication with our clients to provide guidance and support. By taking a strategic, long-term approach, we help our clients pursue their financial goals despite market fluctuations.

Frequently Asked Questions

Navigating the complexities of financial management can often seem overwhelming, but you don’t have to face it alone. As seasoned professionals in the financial sector, our commitment lies in offering bespoke advice and guidance to our clients, supporting them in their pursuit of financial objectives. In this section, you’ll find a collection of commonly posed questions aimed at providing a clear understanding of what a financial advisor does, how our services can benefit you, and what you can anticipate when you choose to work with us. Our goal is to equip you with vital insights to help you make well-informed decisions about your financial journey.

Invest in Your Future Today

A Step Towards Financial Freedom

Allow us to be your guide on your financial journey. Our service extends beyond simply offering financial advice. We take immense pride in building face-to-face relationships with our clients, creating personalized plans, and then helping implement them. Our ultimate goal transcends providing a service; we aim to assist you in pursuing your dreams, be it a family vacation, a dream wedding, or seeking financial protection for your loved ones. We deeply care about our clients, keeping their goals at the forefront of every plan we craft. Your dreams and financial goals are more than just a business to us – they form the cornerstone of our relationship with you. We’re not just your financial advisors; we are your partners in navigating your path to financial independence. We will be with you at every turn, working together to pursue your overall financial goals.

Our Location

Gateway Financial Partners
1500 N Casaloma Drive, Ste. 411
Appleton, WI 54913
920-202-3093
dpentek@mygfpartner.com

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