Services
Our services
Each engagement is scoped privately. Below is a representative — not exhaustive — summary of the work we take on.
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Retirement Income Planning
Christopher Ciapiak Advisory Services helps Durham-area clients develop strategies for sustainable retirement income across multiple account types and time horizons. The process includes analysis of Social Security timing, required minimum distributions, and tax-efficient withdrawal sequencing.
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Investment Portfolio Review
A detailed examination of your current holdings identifies gaps in diversification, concentration risk, and alignment with your stated objectives. This assessment provides actionable recommendations without pressure to transition accounts or commit to ongoing management.
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Financial Plan Development
Working with clients throughout North Carolina, the firm builds multi-year financial roadmaps that address education funding, major purchases, insurance needs, and legacy planning. Plans are documented in writing and updated as circumstances change.
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Estate Planning Coordination
Christopher Ciapiak Advisory Services collaborates with your attorney and accountant to ensure your financial documents support your estate goals. This includes beneficiary designation review, titling analysis, and guidance on trust funding strategies.
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Business Owner Financial Guidance
Owners of closely held businesses receive advisory support on compensation strategy, entity structure implications, and personal financial planning separate from business operations. The firm coordinates with your CPA on tax-efficient wealth transfer planning.