Advice That Gets You. A Plan That Fits You.

Fee-only, fiduciary financial planning built for entrepreneurs, real estate professionals, and busy families — the ones with complex finances who deserve more than a cookie-cutter plan.

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A
Advice Without the Ego
Straight talk. No jargon, no posturing. Just honest guidance focused entirely on your situation.
E
Empowerment Through Education
You'll understand every decision we make together. Your financial confidence is the real goal.
C
Your Complete Financial Picture
Key pieces coordinated so nothing falls through the cracks — investments, taxes, insurance, estate.
H
Life & Finances in Harmony
A plan built around your actual life — not a life built around someone else's financial template.
What We Do

Comprehensive Planning.
Every Dimension of Your Finances.

From cashflow strategy to estate planning, AECH Financial coordinates it all — so you can focus on what you're actually building.

Financial Planning
A living Financial Blueprint that maps where you are, where you want to go, and how to get there — updated at every meeting.
Portfolio Management
Evidence-based investing scaled to your assets — from allocation funds at $100k to direct indexing and alternative strategies at $1M+.
Retirement Planning
Income strategy, distribution planning, cashflow buckets, and RMD management — retirement that actually works for your lifestyle.
Tax Planning
Roth conversions, tax-loss harvesting, bracket management, CPA coordination — year-round, not just April.
Estate Planning
Beneficiary reviews, titling, trust coordination, and working alongside your estate attorney to protect what you've built.
Business Strategies
Solo-K, SEP-IRA, profit distributions, S Corp optimization, and cashflow systems purpose-built for business owners.
Insurance Planning
Life, disability, LTC, and umbrella coverage reviewed and optimized to match your balance sheet and risk profile.
Cashflow & Budgeting
The four-bucket system — Operating, Reserves, Short-Term Growth, Long-Term Growth — aligned with your goals.
Who We Help

Built for the Ones Who Are
Always Building Something

Most financial advice is designed for employees on a salary. AECH Financial is designed for everyone else.

Entrepreneurs &
Business Owners

You're great at running your business. But variable income, complex taxes, and the question of when to pay yourself vs. reinvest can feel like a full-time job on top of your actual job. Let's fix that.

  • S Corp / LLC / Sole Prop structure optimization
  • Solo-K, SEP-IRA, and profit-share strategies
  • Business cashflow → household cashflow systems
  • CPA coordination
  • Exit planning and wealth transition

Real Estate Professionals & Investors

Rental income, 1031 exchanges, depreciation, deal velocity — real estate wealth doesn't fit a standard plan. You need an advisor who actually speaks the language.

  • Rental income & cashflow strategy
  • 1031 exchange & cost segregation planning
  • Entity structure & asset protection
  • HELOC, leverage strategy & debt management
  • Coordination with your CPA & attorney

Approaching or
Newly Retired

The years right before and after you stop working carry the highest-stakes decisions you'll make — and the order you make them in matters. Social Security timing, which accounts to draw first, healthcare before Medicare, turning a portfolio into a paycheck. So many moving parts — we help you coordinate every one.

  • Retirement income & withdrawal sequencing
  • Social Security & Medicare timing
  • Roth conversions in lower-income years
  • Tax-efficient drawdown across accounts
  • Healthcare, long-term care & legacy planning

Busy Working
Families

Between two careers, the kids' schedules, the mortgage, and saving for what's next, money decisions pile up faster than anyone has time for. AECH Financial turns that overwhelm into a gamified game plan — clear milestones, visible wins, and steady progress you can actually feel.

  • College savings (529s) & education planning
  • Family cashflow & budgeting that fits real life
  • Life & disability coverage to protect your people
  • Retirement savings on autopilot
  • Milestone goals with visible, gamified progress
Jay Peters — AECH Financial
About Jay

Your Copilot for a More Intentional Financial Life

I'm Jay Peters — CFP®, ChFC®, AIF® — and I've spent the past decade helping entrepreneurs and real estate professionals simplify complex finances and make confident decisions.

I built AECH Financial after seeing how often people with strong businesses and busy lives were underserved by traditional advice. Too many advisors were pushing products, chasing AUM, or delivering generic plans that had nothing to do with how their clients actually lived. My goal was simple: create a planning experience that's personal, evidence-based, and built to grow with you.

AECH Financial is a fee-only, fiduciary firm — which means my only obligation is to you. No commissions, no product sales, no hidden agenda.

  • Advice Without the Ego — straight talk, no jargon, no agenda
  • Empowerment Through Education — you'll understand the decisions we make
  • Coordination Across Your Financial Picture — nothing falls through the cracks
  • Harmony Between Your Life and Your Finances — a plan for real life, not a spreadsheet
The Process

How We Work Together

From first conversation to an active financial plan — four clear steps with no surprises.

1
Intro Call
A free 30-minute conversation. You ask your questions, we explain exactly how we work, and we figure out if it's a fit — zero pressure.
2
Financial Blueprint
We map your complete picture: cashflow, balance sheet, goals, taxes, insurance, estate, and business — organized in one living document.
3
Strategy Sessions
Twice a year — a Spring Strategy Session and a Fall Checkpoint — to review, adjust, and stay ahead of what's coming next.
4
Ongoing Partnership
Proactive outreach, coordinated action items, and a copilot who knows your whole picture — not just the accounts they manage.
Client Access

Your Financial Life. All in One Place.

Secure links to your planning portal and investment accounts — kept current.

Financial Planning RightCapital Portal →
Investment Accounts Altruist Portal →
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Let's Connect

Ready to Start?
Let's Talk.

No obligation. No sales pitch. Just a real conversation to see if AECH Financial is the right fit for you and your family.

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