Michael Lyubinsky, CFP® builds retirement, tax, and investment strategies for Bethesda households who want a plan that holds up — not a sales pitch that fades.
Michael Lyubinsky founded Woodmont Wealth Advisors on a simple conviction: Bethesda families deserve a planner who answers to them — and only them. As a CERTIFIED FINANCIAL PLANNER™ professional and fee-only fiduciary, Michael is bound by law to put your interests first, with no commissions, no kickbacks, and no hidden products in the back room.
The work begins with a full balance-sheet review and ends with a written plan you can actually follow. Retirement income modeling, tax-loss harvesting, Roth conversion ladders, estate document checkups — every moving part is stress-tested against the markets, the tax code, and the things life tends to throw at families in the Washington metro.
Drag the slider to see what changes when a household moves from a pile of statements to a single, engineered strategy.
Three brokerage accounts, an old 401(k) still sitting at a former employer, two IRAs, a 529, and a mortgage refinance that never quite happened. Taxes filed in April with no planning in October. No clear answer to "when can I actually retire?"
Consolidated accounts under one custodian. A Roth conversion ladder mapped out for the next seven years. A retirement date with a 94% Monte Carlo success rate. An estate binder reviewed with counsel. A plan that gets revisited — not just filed away.
Every Woodmont engagement is built on these six disciplines. Most clients start with comprehensive planning and add investment management once the strategy is set. Indicative pricing below — your quote is confirmed after the intro call.
A full written plan covering cash flow, retirement projections, insurance gaps, education funding, and estate readiness — delivered in a 40-page binder and reviewed twice a year.
Monte Carlo modeling on your withdrawal strategy, Social Security timing, pension elections, and sequence-of-returns risk — so the date you pick actually holds.
Ongoing discretionary management of your IRA, taxable, and 401(k) rollover assets — globally diversified, low-cost ETF portfolios rebalanced quarterly with year-round tax-loss harvesting.
Multi-year projection of marginal tax brackets, coordinated Roth conversions, charitable bunching, and QSBS planning — coordinated directly with your CPA so nothing falls through.
Review of wills, trusts, beneficiary designations, and gifting strategy. We coordinate with your estate attorney to make sure the documents match the plan — not the other way around.
For D.C. metro professionals with restricted stock, ISOs, or NQSOs — a concentrated-stock strategy, 10b5-1 plan coordination, and AMT modeling so you keep what you earned.
Most clients move from intro call to a delivered plan in about six weeks. Here is what each step looks like in practice.
A 30-minute, no-cost conversation to understand where you are today, what's keeping you up at night, and whether Woodmont is the right fit. No deck, no pitch.
We gather statements, tax returns, estate documents, and benefits summaries. A deep read — not a checkbox form — so the plan reflects your actual financial life.
A written plan, walked through in a 90-minute meeting. You leave with clear next steps, a retirement projection, and a tax strategy for the current year.
Two scheduled reviews a year, plus ad-hoc access when life happens — a job change, a parent's decline, a home purchase. The plan is a living document.
Michael rebuilt our retirement plan from scratch — consolidated three old accounts, mapped a Roth ladder for the next decade, and gave us a date we actually believe in. We finally stopped guessing.
Schedule a no-cost, 30-minute introductory call. We'll talk through where you are today, what you're trying to solve, and whether Woodmont is the right fit. If we're not, we'll tell you — and point you to someone who is.