Tax-smart portfolio management
Wealth Management
A careless tax strategy can cost hundreds of thousands of dollars over a lifetime. We manage your portfolio with taxes at the center of every decision.
Financial advisor in Phoenix: the short answer
- What we do
- The advisors you meet through RJP manage investment portfolios and retirement income for Arizona families, with taxes, your estate plan and your timeline treated as one strategy rather than three. Advisory services are offered through CoreCap Advisors, LLC, a registered investment advisor.
- Who it is for
- People within about ten years of retirement or already retired, households switching advisors, and families who want the portfolio, the trust and the beneficiary designations to agree with each other.
- How it is different
- The investment plan is built alongside the estate plan from the first meeting. Asset titling, trust funding and withdrawal order are part of the engagement, not referrals to someone else.
- How we are paid
- Advisory fees and the required disclosures are provided in writing before any account is opened. Ask us to walk through the fee schedule in your first meeting.
What You Keep Matters More Than What You Earn
Most investment advice focuses on returns. We focus on what you actually keep after taxes, fees, and inflation. That is the number that determines your retirement lifestyle. The difference between a tax-aware strategy and a careless one compounds every year. A single poorly timed Roth conversion or an unnecessary capital gains event can cost more than a year of advisory fees.
We do not just manage your portfolio. We manage it alongside your estate plan, your tax situation, and your retirement timeline as one integrated strategy.
What Estate-Integrated Management Looks Like
What makes RJP different is that your investment strategy is built alongside your estate plan from the start. Asset titling, beneficiary designations, and trust funding are not afterthoughts. They are part of the portfolio design.
- Tax-loss harvesting, offsetting gains throughout the year rather than scrambling at year-end
- Asset location, holding tax-inefficient assets in IRAs and tax-efficient assets in taxable accounts
- Trust-aligned titling, confirming every account is titled and beneficiary-designated to match your plan
- Roth conversion windows, using lower-tax years to shift assets into tax-free vehicles
- Fiduciary advice, legally bound to put your interests first on every recommendation
Why It Matters
Over a 25-year retirement, the difference between a tax-aware portfolio and a careless one can run into hundreds of thousands of dollars. Coordination is what produces that result. A portfolio managed in isolation from your estate plan leaves money on the table every single year.
We do not just manage your portfolio. We manage it alongside your estate plan, your tax situation, and your retirement timeline as one integrated strategy.
When Tax-Smart Management Matters Most
These situations are where proactive tax management creates the biggest impact.
- Switching Financial Advisors. Transitioning a portfolio without triggering a large capital gains bill requires careful, staged execution.
- Families with Complex Estates. When investments span trusts, personal accounts, and retirement plans, coordination prevents costly gaps.
- Post-Inheritance Planning. Inherited assets come with unique tax rules. Stepped-up basis, RMDs, and trust distributions all need attention.
- High-Income Earners Nearing Retirement. Your peak earning years are the best time for strategic Roth conversions and tax-bracket management.
| Option | RJP wealth management | Commission-based broker | Do it yourself |
|---|---|---|---|
| Standard of care | Advisory relationship with a fiduciary duty on managed accounts | Suitability standard for recommended products | Your own |
| Estate plan coordination | Built in: titling, trust funding, beneficiary review | Usually outside the relationship | Yours to manage |
| Tax planning | Withdrawal order, Roth conversion timing, asset location | Varies | Yours to manage |
| Cost | Advisory fee, disclosed in writing | Commissions and product costs, often less visible | Fund expenses only |
| Fit | Pre-retirees and retirees who want one coordinated plan | Occasional product purchases | Confident investors with simple estates |
Your Next Step
Start with a free consultation. If you would rather hear the whole estate and retirement picture first, our free in-person seminars in Phoenix and Tucson cover how this fits with the rest of a plan.
Who You Will Work With
Fiduciary advisors who manage portfolios alongside the estate plan, not apart from it.
CEO | ChFC®, RMA®
RJP Estate Planning · ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
Wealth Management Advisor, Fiduciary
RJP Estate Planning · Series 6, 63, 65 · Licensed Insurance Agent
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
RJP Estate Planning · Series 7 · Series 6 · Series 63 · Series 65 · Fiduciary · Licensed Insurance Agent
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
RJP Estate Planning · CLU · Series 6, 63, 65 · Fiduciary · AZ Life & Health
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Series 65 · Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileChris Zajdzinski
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
CLU · Series 6, 63, 65 · Fiduciary · AZ Life & Health
With more than 30 years of experience in financial services, Chris is dedicated to helping individuals and families make informed, confident decisions about their financial future. As a Wealth Management Advisor and Fiduciary, he works closely with clients to understand their concerns and offers guidance tailored to their unique needs and priorities. His experience includes retirement income planning, risk management, and estate and legacy planning.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileDimitri Redwood
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
Series 7 · Series 6 · Series 63 · Series 65 · Fiduciary · Licensed Insurance Agent
Dimitri works with Tucson-area families on the financial side of estate planning, helping clients think through how to protect what they've built and pass it on the way they want. With six years of experience as an advisor, including time at an investment firm, he brings a practical perspective to every conversation. He takes time to listen first, then walks each family through their options in plain language so they can make decisions with confidence.
View Profile
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Common Wealth Management Questions
Answers to the questions Arizona families ask most about wealth management.
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