Estate & Personal Advisory | The Protection Pro

The Reality

Organized at Work, Scattered at Home

You're successful in your career. You make smart decisions every day. But when it comes to your personal finances, estate planning, and family coordination—things feel scattered.

Your life insurance doesn't match your actual life anymore. Your estate documents are outdated—or missing. Your retirement accounts are spread across old employers. College planning feels like a guessing game. And you're not sure if your CPA and attorney are even on the same page.

You don't need someone to manage your investments. You need a quarterback—someone to keep the plan moving, coordinate the pieces, and make sure nothing slips through the cracks.

Comprehensive Support

What's Included in Personal Advisory

Full Picture Plan

Cash flow analysis, protection review, retirement direction, and education planning. We look at your complete financial picture—not just investments—to create a cohesive strategy.

Estate Planning Readiness

Help gathering and organizing decisions before meeting with your attorney—guardians, trustees, executor choices, beneficiary logic, and healthcare decision makers. Walk into the attorney's office prepared.

Professional Coordination

Collaboration with your attorney and accountant so everyone is aligned and nothing slips through gaps. Ron connects the dots between all your advisors.

Ongoing Coaching

Regular meetings that focus on decisions, action items, and accountability—not just "how the market did." Stay on track with someone who keeps you moving forward.

Is This Right for You?

Who Personal Advisory Is For

Parents & Families

You want your life insurance, retirement, college planning, and estate documents to actually match your real life. Not outdated plans from five years ago.

Professionals & Business Owners

You feel organized in your career but scattered with financial decisions. You need someone to bring the same structure to your personal life.

People in Transition

Marriage, new baby, divorce, inheritance, career change, selling a business, or caring for aging parents. Life changes require plan updates.

Anyone Who Wants a Quarterback

You don't want a one-time conversation. You want someone who keeps the plan moving, holds you accountable, and coordinates all the pieces.

Simple Process

How It Works

1

Share Your Situation

Complete questionnaire about your goals and concerns (15 min)

2

Discovery Meeting

Deep dive into your life, family, finances, and priorities

3

Ron Creates Your Plan

Full picture plan with clear recommendations and action items

4

Implement Together

Ron coordinates with your CPA, attorney, and other advisors

5

Ongoing Guidance

Regular coaching sessions to keep you on track

The Difference

Not Just Investment Management

Personal Advisory is about your whole life—not just your portfolio.

Wealth Management focuses on investments and retirement accounts.

Traditional wealth management is mainly about growing your portfolio. If you have significant assets to manage, that's the right service for you.

Personal Advisory is about life planning, family coordination, and guidance.

Protection, taxes, education funding, estate readiness, and keeping all the pieces aligned. The value is clarity, structure, and guidance—not just asset size.

It works for people with smaller portfolios too.

Because the value isn't based on how much you have invested. It's based on having someone in your corner who keeps your plan moving forward.

Advice-led and relationship-led.

Investment management can be added later if it becomes relevant. But it's not the starting point—your life is.

Success Stories

What Our Clients Say

"We had a new baby and realized our entire financial life was a mess. Old 401(k)s, no will, life insurance from before we were even married. Ron helped us get organized, connected us with an estate attorney, and now we actually have a plan. The peace of mind is incredible."

Sarah

Marketing Director, Westlake

Your Personal Advisory Partner

I'm Ron Ray Maxwell, a Cleveland native with over 20 years of experience helping families get organized and stay on track. I work with your CPA, attorney, and other advisors to make sure everyone is aligned and nothing falls through the cracks.

Learn more about Ron

Common Questions

Personal Advisory FAQ

An investment advisor primarily manages your portfolio and charges based on assets under management. A financial planner takes a holistic approach—covering estate planning, insurance needs, tax strategies, education funding, and life transitions in addition to investments. At The Protection Pro, Ron focuses on your complete financial picture first, with investment management as one component rather than the only service.

Yes—financial planning isn’t just for the wealthy. In fact, getting professional guidance early—before you’ve accumulated significant assets—can have the biggest long-term impact on your financial future. Estate and personal advisory covers insurance protection, estate document preparation, education funding strategies, and life transition planning. Our flat-fee model means you get the same quality advice regardless of your portfolio size.

A good financial planner coordinates with your estate attorney and CPA rather than replacing them. Ron helps you prepare decisions before meeting with your attorney (guardians, trustees, beneficiary designations), coordinates with your CPA on tax-efficient strategies, and ensures all three professionals are working toward the same goals. This team approach saves you time, reduces miscommunication, and produces better outcomes.

Every Ohio family should have a will, durable power of attorney, healthcare power of attorney, and HIPAA authorization at minimum. Families with minor children need guardian designations, and those with significant assets may benefit from a revocable living trust. Ron helps you identify exactly which documents you need, gather all the decisions required (executor, trustee, guardian, beneficiary designations), and walk into your estate attorney’s office fully prepared—saving time and legal fees.

You should review your estate plan every 3–5 years or after any major life event: marriage, divorce, birth of a child, death of a beneficiary, significant change in assets, or a move to a different state. Ohio estate laws can also change, affecting your existing documents. With our Ongoing Partnership, Ron conducts quarterly check-ins and proactively flags when your plan needs updating based on life changes or legal developments.

Major life changes—marriage, divorce, new baby, job change, inheritance, or caring for aging parents—require updating your insurance beneficiaries, estate documents, tax withholdings, and savings strategy. These transitions are when professional guidance matters most. Ron helps you create an action checklist for each life event, update all affected accounts and documents, and adjust your long-term financial plan so nothing falls through the cracks.

Clarity First. Decisions Later.

We'll show you exactly where you stand before you decide anything. No pressure to buy products or transfer accounts. Just a clear picture of your situation and options.

Your interests come first. Ron is a fiduciary, which means he's legally required to act in your best interest—not to sell you products that benefit him.

Transparent, flat-fee pricing. You know exactly what you're paying. No hidden fees, no percentage-based charges, no surprises.

Ready to Get Organized? Here's What Happens Next.

Click the button below to tell us about your situation. You'll complete our planning questionnaire (15 minutes) so Ron can understand your goals and concerns. Then schedule your discovery meeting at a time that works for you.

Start My Advisory Plan

Start Your Advisory Plan Today

Get the clarity, structure, and ongoing guidance you deserve. Let Ron be your financial quarterback.

Start My Advisory Plan Prefer to talk? Call (440) 655-2675

Your Financial Quarterback