Your finances are complicated.
Your advisor shouldn't be.
We'll tell you exactly what to do. No commissions, no jargon. Just straight answers from a fee-only fiduciary team rooted in Cincinnati.
100%
Fee-Only
CFP®
Certified Planners
Cincinnati
Locally Rooted
Full-Picture
Planning Approach
Not Your Typical Planning Firm
- Straight answers, not rehearsed talking points
- One team that knows your whole picture
- A plan built around your actual life, not a template
- Proactive outreach when something changes
- Fee-only — we earn nothing from products
- Local advisors who know Cincinnati and NKY
- Generic market commentary that doesn't apply to you
- Commissioned products dressed up as advice
- A different advisor every time you call
- Quarterly check-ins as a substitute for a real plan
- Jargon that makes simple things sound complicated
- A big-firm experience with a small-firm price tag
- You call with a question and get an answer that day
- Your advisor notices a tax window and reaches out first
- Your plan updates when your life does, not just at year-end
- You understand what we're doing and why
- Decisions feel simpler because the complexity is handled
- You stop guessing and start moving with confidence
Comprehensive Wealth Management
From investment strategy to retirement planning, we provide the full spectrum of financial guidance, built around your specific goals.
Wealth Management
Personalized strategies for growing and preserving your wealth through every stage of life and market cycle.
Learn MoreInvestment Management
Evidence-based investment decisions designed to maximize returns and manage risk across diverse market conditions.
Learn MoreTax Planning
Proactive tax strategies that minimize your tax burden and keep more of your hard-earned money working for you.
Learn MoreRetirement Planning
Build the retirement you envision with planning that covers income, healthcare, and legacy goals.
Learn MoreCompany Retirement Plans
Expert setup and ongoing management of 401(k) and corporate retirement plans that attract and retain top talent.
Learn MoreFamily Office Services
Integrated wealth coordination for high-net-worth families, covering investments, estate planning, philanthropy, and more.
Learn MoreGuidance Designed for Your Stage of Life
Whether you're building wealth, running a business, or planning for retirement. We meet you where you are.
Business Owners
Succession planning, exit strategies, and wealth management built for entrepreneurs.
Pre-Retirees
Transition planning and income strategies for a confident, fulfilling retirement.
Young Professionals
Building strong financial foundations with smart saving, investing, and debt strategies.
Corporate Plans
Retirement plan design and management that supports your workforce and business goals.
What Working With Incline Gets You
We don't sell services. We deliver outcomes. Here's what clients actually experience.
Know what to do with cash
No more guessing whether to invest, pay down debt, or hold reserves. You get a clear answer with the reasoning behind it.
Build an exit-ready plan
Whether you're 2 years or 10 years out, your plan accounts for what selling or transitioning actually does to your wealth.
Protect what you built
Risk concentration, insurance gaps, estate exposures — identified and addressed before they become a problem.
Turn complexity into one clear strategy
Business finances, personal accounts, taxes, estate — all coordinated under a single plan you can actually follow.
Invest with a plan you understand
No black boxes. You know what you own, why you own it, and how it connects to the bigger picture.
Make decisions faster with less stress
When something changes — in your life or the market — you have an advisor who picks up the phone and tells you what to do.
A Fiduciary Commitment to Your Success
As fee-only fiduciary advisors, we have one obligation: to act in your best interest. No commissions. No conflicts. Just honest, transparent advice that helps you reach your goals.
Fee-Only Transparency
We earn no commissions. Only the advisory fee you agree to. Full stop.
Full-Picture Planning
We look at every facet of your financial picture: investments, taxes, estate, risk, and cash flow.
Cincinnati Roots
We live and work in your community, building lasting relationships face to face.
Incline Wealth Advisors
Cincinnati, Ohio
What Happens When You Reach Out
No guesswork, no slow intake forms. Here's exactly what working with Incline looks like from day one.
Book a Fit Call
15 minutes. We learn about your situation and you learn how we work. No pitch, no pressure — just an honest conversation to see if we're the right fit.
Discovery and Data
We gather what we need: accounts, documents, goals, concerns. You share the full picture and we start building context before we ever give advice.
Your Strategy Map
One clear, one-page summary of where you stand and what we recommend. No 40-page report that collects dust — a plan you can actually use.
Implementation Sprint
We handle the moving parts — account setup, rollovers, insurance reviews, estate coordination. You make the decisions; we do the work.
Ongoing Cadence
Regular check-ins, quarterly reviews, and consistent communication. You always know where things stand — not just at year-end.
Proactive Planning Triggers
Tax windows, market shifts, life changes — we reach out before you think to ask. You're never the last to know when something affects your plan.
Meet the Advisors Behind Your Plan
A team of credentialed professionals committed to your financial success, combining deep expertise with a personal touch.
John Bovard, CFP®
I work closely with families, business owners, and young professionals to provide advice on retirement planning, investment and risk management, cash flow and debt management, estate planning, and tax strategies. I started Incline Wealth Advisors to provide a deeper level of service to local business owners, retirees, and company retirement plans.
John McKay, CFA®
I focus on helping families, business owners, and young professionals navigate complex financial decisions by providing guidance on retirement planning, investment and risk management, cash flow and debt management, estate planning, and tax strategies. I also work with business owners and their employees to support both personal financial goals and company retirement plans.
Eric Toepfer, CFP®
I craft financial plans for working families, business owners, executives and retirees. I enjoy educating my clients on all areas of their financial program allowing them to make good informed decisions. My areas of expertise include investment management, retirement planning, college education planning, risk management, estate planning and tax savings strategies.
Phil Westhoff, AIF®
Phil serves in an Investment Advisory Representative capacity with Incline Wealth Advisors as a Qualified Plan Specialist. With experience at Fidelity Investments and BB&T, Phil brings deep expertise in 401(k) plan sales and investment advisory services for small businesses.
Amy Zimmerman
I joined Incline Wealth Advisors in August 2022 where I focus on delivering exceptional service to both new and existing clients. I handle client service, account maintenance, new client onboarding, marketing, meeting preparation, back-office operations, and 401(k) plan setup and maintenance.
Insights & Market Perspectives
Stay informed with timely analysis, financial planning tips, and market commentary from our team.
5 Steps to a Confident Retirement Timeline
A practical framework for determining when you can retire and how to prepare your finances for the transition.
Q1 2026 Market Review: Navigating Uncertainty
Our analysis of key market trends and what they mean for your long-term investment strategy this quarter.
Year-Round Tax Planning: Why Timing Matters
The most effective tax strategies are implemented throughout the year, not just during filing season.
Hear From Our Team
Get to know the people behind your plan and learn how we approach financial planning differently.