Sean Dwyer, CFA, CFP®, EA

Helping retirees and near-retirees make smarter financial decisions with confidence

Retirement is about much more than managing investments. It's about creating reliable income, minimizing taxes, and making confident decisions about the future you've worked so hard to build.

At Overture Wealth Management, I help individuals and couples approaching retirement or already retired navigate the complex financial decisions that come with this next stage of life.

After more than 20 years in the financial services industry, including 14 years at Vanguard, I founded Overture to provide a different kind of advisory experience—one built around objective advice, transparent pricing, and ongoing wealth-management relationships. I chose a flat-fee approach because I believe it is a fair and transparent way to compensate an advisor while keeping the focus where it belongs: providing objective financial advice.

My approach is centered on comprehensive wealth management, integrating financial planning, investment management, and tax planning into a coordinated strategy.

I help clients with:

• Creating tax-efficient retirement income strategies
• Evaluating Roth conversion opportunities
• Optimizing Social Security claiming decisions
• Navigating Medicare and IRMAA planning
• Coordinating estate planning decisions
• Building investment strategies designed around their goals, tax situation, and retirement needs

My goal is simple: help clients keep more of what they've built, avoid costly financial mistakes, and feel confident about their financial future.

I work best with individuals and couples who have accumulated substantial savings, typically $1 million to $10 million of investable assets. My clients are looking for an ongoing relationship with an advisor who can help coordinate the many financial decisions that arise throughout retirement. Rather than focusing on an individual financial question or one-time project, I work with clients over time to integrate their investments, tax planning, retirement income strategy, and broader financial goals.

As a solo practitioner, I intentionally limit the number of client relationships I take on so I can provide highly personalized advice. When you work with Overture, you work directly with me—not a team of advisors or a call center. Whether you are deciding when to retire, evaluating a Roth conversion, planning a major financial decision, or navigating the many financial decisions that arise throughout retirement, my goal is to be a trusted partner providing clear, objective guidance.

Outside of work, I live in Conshohocken, Pennsylvania, with my wife and our two daughters. I enjoy spending time with my family, skiing, biking, and cheering on my favorite teams, including the Pittsburgh Steelers and Pitt Panthers.

I earned my bachelor's degree in Finance from the University of Pittsburgh and hold the CFP® certification, CFA® designation, and IRS Enrolled Agent credential. I believe the best advisors are lifelong learners who continually expand their knowledge to better serve their clients.