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We help travel-loving young families forge a life they never want to retire from

Create a savings plan - Grow your net worth - Make work optional


We Aren't Your Traditional Financial Planner

What We Do

We are your


  • We’re not just financial advisors. We’re here to coach you through the most important parts of your life so nothing keeps you from your goals.

Accountability Partner

  • One of the most difficult parts of planning is ensuring you follow through. We help you stay on track at every stage of life, regardless of changes, victories or challenges.


  • We don’t just create your Wrought Roadmap - we help you get there. We identify and communicate what should take priority and guide you each step of the way.

Do you ever consider if you are getting the best financial advice? Are you receiving advice focused on solving your known (and unknown) problems? Are you on the road to living your best life?

Here is the problem. Most financial “advice” is actually a sales pitch in disguise and, even then, most of this “advice” doesn’t cover every stage of a family’s financial journey. Most guidance stays in a single lane of focus ignoring the complexities of your unique financial situation. At Wrought Advisors we understand you need (and deserve) more. You need a team with a personal touch that pays attention to every detail and has the experience to solve your most complex problems so you can live your best life.

Our Three Lanes of Focus

  • Investment Management
  • Retirement & Financial Planning
  • Tax Management & Retirement Distribution Planning

It's about more than numbers and knowledge. Knowing what to do is one thing, actually doing it is another. Life is a full of victorious moments and, sometimes, hard challenges. We are your coach, your accountability partner, and your advocate. 

Wrought Roadmap

Our comprehensive financial planning and investment management service

Wrought Roadmap is our proprietary process for comprehensive financial planning and investment management. Wrought Roadmap, helps clients get their financial lives in order, so you feel confident in the decisions you are making today and the plans you make for the future.


Wrought Starter Packs

Our fixed-term financial planning packages

Wrought Starter Packs can be a good way for you to work with a Certified Financial Planner© for the first time and figure out if you want to initiate an ongoing relationship, or receive step-by-step guidance if you prefer to do it yourself.


Wrought Roadmap

Our comprehensive financial planning and investment management service

"A goal without a plan is just a wish" - Antoine de Saint-Exupéry

Having a financial plan is essential to pursuing your goals. That’s why we’re excited about our proprietary comprehensive financial planning process, Wrought Roadmap, which is designed to understand you and what makes you unique and help you turn your wishes into goals. 

Our comprehensive process includes:

Investment Management

  • Review of Portfolio Positions
  • Asset Allocation
  • Time Horizon Planning
  • Withdrawal Strategies
  • Account Aggregation
  • Monitoring of Outside Accounts such as 401(k), etc.
  • Concentrated Stock

Estate Planning

  • Wills
  • Financial Power of Attorney
  • Living Will
  • Health Care Power of Attorney
  • Trusts
  • Irrevocable Life Insurance Trusts
  • Estate Taxes
  • Guardians for Minor Children
  • Charities

Retirement Planning

  • Retirement Goal Setting
  • Social Security Analysis
  • Cash Flow Analysis
  • IRA Contribtions and Roth Conversions
  • Review of Employer-Sponsored Plans
  • Annuities and Pensions
  • RMD's and Withdrawal Strategies
  • Self-Employed Plans
  • Bucket List Items

Insurance Planning

  • Review of Existing Policies
  • Life Insurance Needs Analysis
  • Long Term Care Insurance Analysis
  • Disability Insurance Analysis
  • Health Insurance Review
  • Homeowner's or Renter's Insurance Review
  • Liability Coverage
  • Health Savings Accounts
  • Medicare Advice

Cash Flow and Budgeting

  • Review of Income Sources
  • Setting Goals, Expenses, and Budgeting
  • Debt Management
  • Review of One-Time Expenses
  • Planned Large Expenses
  • Emergency Funding
  • Dollar Cost Averaging
  • Mortgage Review
  • Lines of Credit

Assistance to Loved Ones

  • Gifting
  • College Planning
  • Caring for Elderly
  • 529 College Savings Plans
  • Roth IRAs for Children
  • Establishing Trusts

Tax Planning

  • Tax Sensitive Investing
  • Review of Cost Basis
  • Review of Realized Gains
  • Carry Forward Losses
  • Tax Loss Harvesting
  • Deductions and Credits
  • Potential Roth Conversions
  • Health Savings and Flexable Spending Accounts
  • Tax Return Review

  • The process

    We work with clients all across the United States from California to right here in South Jersey. Regardless of where you live, when you are a client, here is what you can expect from us:


    Are we a good fit?

    • This one is on us
    • We learn more about you, what keeps you up at night (or makes you worry in another way), and what you would like to accomplish by working with a CERTIFIED FINANCIAL PLANNER™
    • You learn more about our services
    • We discover if we are a good fit for one another
    Schedule Your Fit Meeting →


    Getting to know you

    • At this point, you should feel excited and confident that you’re taking the first steps towards financial independence
    • Dive into your answers to our Three Questions
    • Develop a comprehensive understanding of your goals
    • Review your balance sheet, current savings, and debt management
    • Handle any urgent financial planning issues


    Recommendations and Implementation

    • Present our findings and recommendations
    • Assign tasks to you to improve your overall financial health
    • Review your familiarity and comfort with investing and fill in any knowledge gaps
    • Discuss your current portfolio and make recommendations for adjustments
    • Answer more of your questions


    Ongoing Meetings

    • We'll meet quarterly to discuss new developments, maintain your investment strategy, address seasonal planning topics (such as tax planning), and review your progress.
    • Read more about our quarterly meeting rhythm.
    • While this schedule provides an outline, we are always available to meet if you change jobs, move cities, add a family member, or encounter something life-changing that we can help with.

    How we get paid

    We’ve listed our fees right here because transparency and trust are fundamental to a successful relationship

    Our clients find enormous value in bringing their financial planning and investment management under one roof so you can focus on what matters most (family, career, or changing the world).

    The fee for our comprehensive service is based on your net worth as it is an easy to understand measure of the complexity of your financial circumstances and thus the potential value that we may add.

    Client's Net Worth Monthly Fee
    $0 - $799,999 $400
    $800,000 and Above 0.05% of Net Worth (0.60% annually)

    Our fee structure has benefits that you may not realize:
    • Fee Only  means that we never receive any compensation beyond your advisory fee (for just one example; if you need additional life insurance we we will not earn a commission)
    • Long term alignment of interests to see your entire financial picture grow, not just assets we manage on your behalf
    • We give advice on held away assets and investments that are not under our discretion because those assets are just as important to you
    • We have no financial incentive to move assets under our management so we are unconflicted to find the best place for your assets where you have the most favorable tax treatment. Sometimes that means moving assets out of accounts that we manage for you (imagine a traditional "financial advisor" telling you that!)
    • Reducing debt is just as important as growing your assets to us as it is to you as both have an equal impact on your overall net worth

    Start here

    Wrought Starter Pack

    Our fixed-term financial planning packages

    A Wrought Starter Pack can be a good way for you to work with a Certified Financial Planner© for the first time and figure out if you want to initiate an ongoing relationship, or receive step-by-step guidance if you prefer to do it yourself.

    Once you've signed an advisory agreement, we'll meet one or more times to answer your questions, analyze your situation, and discuss recommendations.  After we've decided upon a course of action, I'm available to help you implement your decisions and answer follow-up questions.  Once your package expires, you can initiate a new package as needed, or begin an ongoing financial planning relationship. 

    See below for some examples of questions that we might cover as part of a fixed-term financial planning package.

    • Which investments should I choose inside my retirement accounts?
    • I’m maxing out my retirement accounts. What should I do next?
    • I just inherited some money. What should I do with it?
    • I’m self-employed. How can I save for retirement?
    • I want to buy a house in a few years. How much do I need to save?
    • How should I handle stock awards from my employer?
    • Which employee benefits are best for my situation?
    • I’m getting married. How should we merge our finances?
    • How much and which type of life insurance do I need?
    • How should I save for college for my kids?
    • How much money do I need in order to stop working?
    • When should I start taking Social Security?

    We offer four types of packages, each with a maximum number of hours and an expiration date. We will help you choose the package that makes sense for you based on the type of help you need.

    Pack Type Max Hours Expiration Fee
    Focused Pack 3 1 month $750
    Targeted Pack 7 2 months $1500
    Extended Pack 15 3 months $3000
    Comprehensive Pack 25 6 months $5000

    Schedule your free initial consultation

    Looking for comprehensive planning Instead?

    When you're ready to commit to a longer term relationship

    Learn more about our comprehensive financial planning service

    Frequently Asked Questions (FAQ)

    We are adding more questions soon!

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    Why Work With Us

    We are real financial advisors: fee-only, fiduciary, and comprehensive.

    Our firm's interests are aligned with your interests not just in words but in actions. We are fee-only which means no product sales or commissions ever. We only do better when you do better. Being a fiduciary means always putting your  interests ahead of our ownYou can download our pledge to be fiduciaries here. We only work with clients who are interested in a long-term relationship and want a trusted partner to help them understand anything that comes with a dollar sign.

    The Gold Standard of the Financial Profession

    Fewer than 1% of Financial Advisors have both the CFA and CFP Designations.

    Only 1.7% of financial advisors are CFA® Charterholders.

    • The CFA® credential is the professional standard of choice for more than 31,000 investment firms worldwide. 
    • Earning the CFA® charter is a highly selective process. Fewer than one in five candidates become a CFA charterholder.
    • It takes an average of 1,000+ hours of rigorous study and four years of professional experience to become a CFA® charterholder.
    • All CFA charterholders are required to annually attest to their compliance with theCFA Institute Code of Ethics and Standards of Professional Conduct

    Only 27% of financial advisors are CFP® Professionals.

    • The CFP® credential is the professional standard of choice in the financial planning industry.
    • When you hire a CFP® professional, you work with an advisor who has met rigorous qualifications for financial planning. Most important, a CFP® professional has made a commitment to CFP Board to act in the best interests of their client.
    • Must have a minimum of 2 years of financial planning experience and has demonstrated the knowledge required to deliver holistic financial planning.
    Our expertise isn't just in the dollars and cents of financial planning and investments it's also in understanding you. Whether you are a partner at a large firm, running your own practice, or just starting your career we have helped attorneys like you.

    We named our firm Wrought Advisors because, wrought means worked into shape by artistry or effort. Achieving the financial freedom to live your best life is going to take planning and some effort. We are the guide that will lead you through the ever changing financial landscape. You are the hero of this story and we are motivated by your success.

    As the old proverb says:
    “A journey of a thousand miles begins with a single step”


    Who We Are

    Andrew Mastro headshot

    Andrew Mastro, CFA, CFP®, CAIA Founder & President

    Hi, I’m Andrew! 

    Wrought Advisors was founded because you should have the option to work with a commission-free advisor, without the conflicts of interest of old Wall Street. By implementing, the Wrought Roadmap, my proprietary financial planning process, I help my clients reduce taxes, invest, and make smart financial decisions so you feel confident in the choices you are making today and the plans you make for the future. I love what I do and it brings me such fulfillment to see my clients’ succeed.

    I’ve been interested in history, finance, and psychology since I was a kid growing up in Ocean City, New Jersey. After graduating from The College of New Jersey with honors, I began my financial services career in the alternative investment industry (private equity, hedge funds, and commercial real estate) first with Merrill Lynch Alternative Investments in Princeton, New York, and Boston and then with FS Investments based in Philadelphia. I grew tired of getting on airplanes for work and being away from my family so with the entrepreneurial spirit calling me I began my wealth management practice at Merrill Lynch and then I founded the independent and fee-only firm Wrought Advisors.

    I am married to my beautiful and patient wife and together we reside in Haddonfield, NJ with our two young daughters and Labrador Retriever. I enjoy traveling and sharing new experiences with my girls and coaching their sports teams. Giving back to my community is important to me so I am a member of the Rotary Club of Haddonfield where we support many local, regional, and even some international projects. With whatever free time is left to me I love to read, work on home improvement projects, jog with my dog, cycle, ski, and squeeze in the increasingly rare round of golf.

    Wrought Insights

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