About

An Independent Financial Services Firm

Wealth Consultants (WCI) is an independent financial services firm focused on designing individualized and innovative retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and tax efficiencies. As an independent broker, we are carrier agnostic. We negotiate in the insurance marketplace on behalf of each client for the optimum carrier, product, pricing and solution.

Incorporating the tax economics of life insurance and annuities into a broader financial plan can help individuals and families address multiple financial needs: protecting loved ones, creating wealth, ensuring tax-efficient growth, and planning for potential future healthcare costs. When strategically used, Insurance and annuity products become versatile financial tools that enhance prior planning to deliver greater long-term financial security.

Tax-Efficiency & Optimization

A commitment to identifying and eliminating tax inefficiencies in traditional planning, ensuring clients maximize spendable income and realize profits rather than costs.

Integrity & Conflict-Free Advice

Operating with a unique business model that is explicitly free of conflict-of-interest to simplify complexities and always act in the client's best financial interest.

Multigeneration Financial Security

A dedication to protecting, preserving, and enhancing family and philanthropic wealth across multiple generations, acting as an advocate and educator for long-term financial security.

Expert Oversight & Measured Results

We provide interdisciplinary, in-depth technical expertise and innovative solutions to the planning process that delivers quantifiable and measured results.

35+ Years of Interdisciplinary
Retirement & Estate Planning Excellence

In response to a fractured estate planning delivery system from the legal, tax and financial services communities, Don has created a unique business model. Free of conflict-of-interest and without added out-of-pocket cost to clients seeking to optimize family wealth, The Tax-Efficient Wealth Process simplifies the complexities considerable wealth can create. Individually tailored to meet the specific goals of each client, our recommendations and solutions offer measurable enhancements to even already well-planned retirements and estates. Our added perspective enables clients to experience Peace of Mind for a Life Well Lived.

Donald S. Harmelin

Founder

Mr. Harmelin has devoted more than 35 years to advising successful business owners, highly compensated executives, and high-net-worth individuals on tax-efficient and flexible ways to protect, control, preserve, and enhance family and...

It starts with
a Conversation

Ready to simplify the complexities of considerable wealth? Learn more about our conflict-free approach and start your journey to Peace of Mind for a Life Well Lived.

Contact Us