Joel Freedman on Building Long-Term Wealth with Strategic Planning

For Joel Freedman, CFP®, CPWA®, long-term wealth isn’t built overnight—it’s achieved through vision, discipline, and a well-structured plan. As Managing Director of Eclipse Private Wealth Management, he brings more than 40 years of experience guiding clients to create wealth that lasts across generations.

Strategic planning is the backbone of Joel’s advisory approach. In an age of market noise, fast returns, and financial hype, he helps clients filter distractions and focus on what truly matters: clarity, alignment, and consistent action over time. “The best wealth plans aren’t about chasing trends,” he says. “They’re about connecting your values to your financial goals and following a disciplined path forward.”

The Pillars of Strategic Wealth Planning

At Eclipse Private Wealth Management, Joel begins every relationship by getting to know the full picture of a client’s financial life—not just their income and assets, but their aspirations, lifestyle, family dynamics, and risk preferences.

From there, he builds customised plans based on four foundational pillars:

1. Goal Clarity – Whether a client is preparing for retirement, funding education, supporting philanthropic causes, or transitioning a family business, Joel believes every investment decision should link directly to a clear, measurable goal.
   
   
2. Risk Management – Joel helps clients understand their personal risk tolerance and designs portfolios that reflect it. By aligning risk exposure with lifestyle goals, he creates a balance between wealth growth and wealth protection.
   
   
3. Tax Efficiency – Strategic planning goes beyond investments. Joel works to reduce tax drag across portfolios through asset location strategies, tax-loss harvesting, and smart withdrawal sequences.
   
   
4. Estate and Legacy Planning – For many of Joel’s clients, long-term wealth means leaving a legacy. He collaborates with estate attorneys and tax advisors to ensure a smooth and thoughtful transfer of assets, guided by the client’s wishes and values.
   
   

From Markets to Mindset: Thinking Long-Term

While financial markets rise and fall, Joel encourages clients to think in decades, not days. “Successful long-term planning requires emotional discipline,” he explains. “Markets will always fluctuate. But the people who succeed are those who stay the course and make decisions based on strategy—not sentiment.”

That’s where Joel’s experience shines. Having guided clients through multiple market cycles—from 1987’s crash to the 2008 recession and the COVID-19 pandemic—he offers a steady hand during uncertainty. He supports clients not only as an investment expert but also as a trusted advisor and sounding board, helping them resist short-term thinking and stay focused on the big picture.

Collaboration That Adds Value

Joel’s planning process is holistic. He doesn’t just focus on portfolios; he brings together a team of professionals—including CPAs, estate attorneys, and insurance specialists—to align every aspect of a client’s financial life.

He believes that collaboration creates stronger outcomes. “When all your financial experts are working from the same plan, you avoid duplication, identify opportunities, and create real synergy across your wealth strategy.”

Customised for Every Stage of Life

Whether someone is just starting to accumulate wealth, entering peak career years, or preparing to retire and distribute assets, Joel tailors each strategy to fit the moment. His clients appreciate that he adjusts plans as life evolves—marriages, business exits, inheritances, or charitable goals—all without losing sight of long-term objectives.

Final Thoughts

For Joel Freedman, strategic planning is more than a service—it’s a philosophy. It’s about helping clients build lasting wealth that supports their dreams, protects their families, and reflects their values. By combining experience, personalisation, and discipline, he ensures that every client has a clear path forward—no matter where they start.

If you’re seeking guidance on building long-term wealth with a strategy designed around you, Joel Freedman and Eclipse Private Wealth Management are here to help turn vision into results.