Wealth & Advisory Associates

What We Do

Wealth management encompasses many things. It requires high-level experience and the expertise of credentialed advisors. Our comprehensive financial planning process is enhanced by our team approach that leaves no stone unturned in determining your best options in any situation, at any stage of life

Zero-Tax Strategies Our asset planning services and guidance on shifting and structuring investments can help you reduce taxes or achieve the 0% tax bracket in retirement.
Financial Planning Goals-based investing is at the core of our wealth management services. Every relationship begins with our eight-week financial planning process.
Investment Management Each client’s strategy focuses on low-cost, risk-managed investments selected with their unique goals and tax-efficient financial plans in mind - for every stage of life.
Estate Planning We coordinate with our clients' attorneys and accountants to help ensure a carefully-crafted, tax-efficient plan to transfer their wealth.
Lending Services We are a resource for identifying customized lending opportunities that help clients achieve personal or professional goals.
Business Valuations Understanding the true value of a business is key in preparing a successful financial and estate plan, and business succession plan.
Fiduciary Services We provide services for Powers of Attorney, trustees, governing boards, and institutions to ensure compliance with their fiduciary responsibilities.
Divorce Financial Planning Since 2005, we have been helping clients in divorce make informed financial decisions and prepare for an independent financial future.

Who We Are

Mark Byelich CFP ®, CDFA®, AIF®

Mark is a principal of Wealth & Advisory Associates, LLC. Mark is committed to education and professional development in the financial services field and has been asked to speak by major news organizations and to his peers around the country about financial planning strategies.

Mark is a Certified Financial Planner™ practitioner and also holds the Certified Divorce Financial Analyst® and Accredited Investment Fiduciary® designations.

Mark is a member of Ed Slott’s Master Elite Advisor Group. This exclusive group is comprised of nearly 400 of the nation’s top financial professionals who are dedicated to the ongoing training and mastery of advanced retirement account and tax planning laws and strategies.

Mark also conducts education classes for regional bar associations, individuals and industry groups.

Mark previously was a First Vice President with Wells Fargo Advisors and a Financial Advisor for UBS Financial. Mark also spent 20 years in law enforcement. First he served as a Security Policeman in the United States Air Force; then, as the elected Pennsylvania State Constable for Newtown Township, Bucks County, Pennsylvania.

Mark is committed to his community where he serves on several boards and service groups. He is a member of the Council Rock School District Board of Directors, a long-time Rotarian and member of the American Legion as well as other community groups.

Contact Mark

Paul T. Murray, AIF®, ChFC®, CDFA™

Paul is a principal of Wealth & Advisory Associates, LLC. He is an Accredited Investment Fiduciary®, a Chartered Financial Consultant®, and a Certified Divorce Financial Analyst™. He works with individuals, families, and multiple generations, helping them make smart financial decisions in each area of their lives.

Paul has been featured in the Wall Street Journal, U.S. News & World Report, The Intelligencer, and on Fox News Radio, Comcast Newsmakers, Investopedia and other news outlets.

Paul began his career in providing financial advice at Morgan Stanley in 2000, and received extensive training at the company's World Trade Center headquarters just months before 9/11. He built his initial client relationships during the three-year dot com collapse and recession. That difficult period of time provided a crash course in investment risk-management and the importance of goals-based investing. He moved his practice to Wells Fargo Advisors in 2004, and ultimately launched his independent financial planning and investment management practice, PTM Wealth Management in 2011.

Paul is also regarded as an expert in the financial matters of divorce and works closely with divorcing clients and their attorneys during the process to help effectuate a fair and equitable outcome. His work in divorce extends to mediation (yourtermsmediation.com), as well.

Paul lives in Perkasie, Pennsylvania, with his wife, Michelle, and their daughter, Lily, and is a strong supporter of Domestic Violence organizations, having served on the Board of Directors for Laurel House and currently serving as Vice President of the Board of Directors of A Woman's Place. Long ago, Paul was a songwriter, musician and Columbia Recording artist. Paul enjoys golf and playing guitar in multiple musical groups.

Contact Paul

Financial Articles

Paul Murray Quoted in U.S. News Article About Happy vs. Unhappy Retirees

Some retirees are happy, while others are downright miserable. According to financial planners, what separates the happy retirees from the unhappy ones comes down to getting a few things right in pre-retirement planning. ... Read More

Mark Byelich Discusses College Tuition Strategies – Lehigh Valley Business

As college tuition continues to rise, some employers are taking steps to help employees fund cover the cost by paying part or all of it. Area colleges and universities, meanwhile, ... Read More

Mark Byelich Quoted In US News About Retiring Early

Retiring Early? Don’t Forget To Do These Things… Many people dream of retiring early and kicking that 9-to-5 job to the curb. For some people, that might mean retiring while in ... Read More

Upcoming Classes & Events

Changing World of Retirement Planning | February 12th and 19th, 2019, 6:30 PM, Montgomery County Community College, Blue Bell, PA

Learn how to shield your assets from rising taxes and develop strategies to maximize Social Security. Find out if you’ll have enough money to retire, and how to avoid the three pitfalls of retirement distributions. Evaluate if a Roth Conversion is right for you. We’ll help you understand if your portfolio is truly diversified, and ... More Info

Changing World of Retirement Planning | February 7th and 14th, 2019, 6:30 PM, Montgomery County Community College, Blue Bell, PA

Changing World of Retirement Planning | January 24th and 31st, 2019, 6:30 PM, La Salle University Newtown Campus, Newtown, PA

Changing World of Retirement Planning | January 29th and February 5th, 2019, 6:30 PM, La Salle University Newtown Campus, Newtown, PA

Experience the expertise and attention of Wealth & Advisory Associates.

We welcome your call at (855) 786-9584 or message via email. Visit FINRA's BrokerCheck.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. The above links are provided for your information only. As they are provided by third parties, Kestra Investment Services (Kestra IS) does not endorse, nor accept any responsibility for the content. Kestra IS does not independently verify this information, nor do we guarantee its accuracy or completeness.

Kestra IS and Kestra AS do not provide tax or legal advice. This website is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 737-443-2582.

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