About
Joe Ward
After nearly a decade in the oil and gas industry, living through its highs and lows, I saw how rewarding yet complex retirement planning can be. Unique pay structures, pension choices, equity awards, and retirement packages make these decisions far more intricate than most people realize.
Five years ago, I set out to become an expert in retirement planning for oil and gas professionals. I apprenticed with seasoned advisors, earned the CERTIFIED FINANCIAL PLANNER® certification, and added advanced credentials in retirement and tax planning to master the strategies that matter most.
At Refined Wealth, every process, service, and conversation is built around these realities, so oil and gas professionals can step into retirement with clarity, confidence, and a plan as specialized as their careers.
Joe Holds Professional Designations, Like...
Retirement Planning Made Easy.
We know the challenges professionals face as they plan for retirement. Our tax strategies, income planning expertise, and down-to-earth advice make it easier to feel confident about what’s next.
Certified Financial Planners® to Rely On.
As CFP® professionals, we bring the highest standard of care and expertise to your retirement planning, ensuring every strategy is tailored to your goals.
Specialists in the Energy Industry
We get what it’s like to navigate the challenges you face in the energy industry. We help tackle your unique challenges and uncover opportunities to maximize your financial future.
Retirement Planning, Perfected
As RICP®-designated retirement experts, we focus on creating sustainable income streams and minimizing taxes so you can enjoy a stress-free retirement.
Find The Answers You're Looking For.
Wondering how it all works? Check out our FAQs for simple, honest answers about retirement planning, tax strategies, and what it’s like to work with Refined Wealth.
What type of people do you work with?
Our best-fit clients are those who have done an excellent job of saving but don’t want to be burdened with the responsibility of doing everything needed to get the most out of their money and their retirement planning.
Our clients generally are nearing retirement and are looking clarity on when they can retire, as well as strategies to optimize saving during their last few working.
If we can’t work with you, we’ll do our best to answer any questions you have and point you to someone who can. Please don’t hesitate to reach out to see what’s possible with your financial planning.
Where is my money held?
One key component of our mission is to provide a world-class client experience.
To help accomplish this objective, we use Altruist. After working with and reviewing the largest players in the custodial space we chose altruist for 3 reasons.
Highest quality experience for our clients. No conflicts of interest. Best technology.
We don’t work for them—meaning we can determine which custodian makes the most sense based on your situation.
What services do you offer?
Our mission is to help you get the most out of life with your money. To do that means we want to take as much of the planning off your plate as possible. We help clients with:
—Retirement planning
—Investment management
—Tax planning
—Estate planning
—Insurance review
—Cash flow planning
And everything else needed to ensure you feel calm (and excited) about your financial future.
Do you offer proactive tax planning?
Yes.
Your CPA is excellent for accounting for what happened last year. Often, they don’t work on limiting your tax liability in the future.
We help you look at the big picture and offer strategies to optimize your spending and saving for tax efficiencies. You (or your CPA) will still be responsible for filing your return.
What is your process?
Our process begins with a discovery meeting to understand what matters most to you. We then gather data, assess your situation, and decide together on the best way forward. From planning to implementation, we create a tailored strategy and guide you every step of the way.
We stay connected with regular check-ins to keep your plan aligned with your changing needs and help you build financial confidence.
To learn more about our process, click here.
What are your fees?
We provide ongoing planning and wealth management with a transparent, tiered asset-based fee designed to lower costs as your assets grow—no hidden fees, ever.
For those seeking a comprehensive financial snapshot, we also offer one-time plans tailored for both accumulators and retirees, helping you clearly understand your current position and next steps.
For a detailed breakdown of our pricing, click here.