Sweta Bhargav, CFA, CFP®, CEPA
Fee-Only Financial Advisor for Business Owners and Executives
Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.
Click Here to Learn More
Serving Clients Nationwide
Fee-Only Financial Advisor for Business Owners and Executives
Areas of Focus
- Estate Planning
- Financial Life Planning
- Investment Management
- Owning a Business
- Retirement Planning
- Taxes
About Sweta Bhargav, CFA, CFP®, CEPA
Many successful professionals spend decades building wealth through their careers or businesses but eventually face an important question:Can my wealth support the life I want if my income stops?
I work with business owners and senior executives who are approaching important financial transitions such as retirement or the potential sale of a business.
These moments often involve complex financial decisions that benefit from thoughtful financial planning and independent advice.
Clients often come to me when they are asking questions such as:
🔹 Can I retire comfortably and maintain my lifestyle?
🔹 How should my investment portfolio be structured for retirement income?
🔹 What is my business actually worth?
🔹 How would selling my business affect my long-term financial plan?
🔹 How can I reduce taxes when transitioning into retirement?
🔹 How should investments, tax planning, and estate planning work together?
My role is helping clients turn decades of wealth-building into a clear financial strategy designed to support long-term financial independence.
Before founding Adviso Wealth, I built my career in institutional investment management in the United Kingdom, working with defined benefit pension plans and learning the discipline behind research-driven portfolio construction.
After relocating to the United States, I continued working with high-net-worth families and later joined Merrill Lynch, where I served on an investment committee overseeing approximately $5 billion in client assets.
That experience continues to shape how I approach:
🔹 Investment strategy
🔹 Portfolio construction
🔹 Risk management
🔹 Retirement planning
🔹 Long-term financial decision making
I hold three advanced financial designations focused on investment management and financial planning:
🔹 Chartered Financial Analyst® (CFA®)
🔹 CERTIFIED FINANCIAL PLANNER™ (CFP®)
🔹 Certified Exit Planning Advisor (CEPA®)
This combination allows me to help clients address both investment strategy and complex financial planning decisions.
Outside of my work as a financial advisor, I enjoy the performing arts, cultural exploration, and spending time with my husband and two young children.
Professional Designations
- Certified Exit Planning Advisor (CEPA)
- CERTIFIED FINANCIAL PLANNER ®
- Chartered Financial Analyst (CFA)
Affiliations
-
CFA Institute
- CFP Board
- Fee Only Network
- Garrett Planning Network
- National Association of Personal Financial Advisors
- XY Planning Network
- CFP Board
Primary Location
Princeton, NJ, 08540
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Hourly Rate
- Subscription
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory conversation. Our initial call is designed to understand your goals, concerns, and financial situation. This allows us to determine if we are the right fit to help and which of our services would best support your needs. I'm looking forward to speaking with you soon.Offers Investment Management
Yes
About Adviso Wealth
Adviso Wealth is a fee-only financial planning and investment advisory firm based in Princeton, New Jersey.The firm was founded to provide thoughtful, independent financial advice focused on long-term planning rather than product sales or commissions.
We work with business owners and executives across the United States, helping them navigate important financial decisions as they approach retirement or financial independence.
Clients often seek our guidance when they are:
🔹 Preparing to retire after a long career
🔹 Evaluating whether their business can support a future exit
🔹 Structuring an investment portfolio for retirement income
🔹 Managing concentrated investment positions
🔹 Coordinating financial planning with tax and estate strategies
🔹 Seeking an independent second opinion on financial planning or investment strategy
Our work typically includes:
🔹 Comprehensive financial planning
🔹 Retirement planning and retirement income strategy
🔹 Investment management and portfolio construction
🔹 Executive financial planning
🔹 Business owner financial planning
🔹 Exit planning considerations
🔹 Tax and estate planning coordination
Clients can work with Adviso Wealth either on a project basis or in an ongoing advisory relationship, depending on their needs.
What kinds of clients benefit most from your services and approach?
Many of the people who benefit most from my services are business owners and senior executives who are approaching important financial transitions, such as retirement or the potential sale of a business.
These individuals have often spent decades building wealth through their careers or companies and are beginning to think more intentionally about the next phase of life.
Examples include people who are:
🔹 Preparing to retire within the next 5–10 years
🔹 Evaluating whether their business could support a future exit
🔹 Transitioning from earning income to living off their investments
🔹 Seeking thoughtful, independent advice on investment strategy and financial planning
They are typically looking for a trusted financial advisor who can help connect their investments, retirement planning, taxes, and long-term goals into a coordinated strategy.
What minimum asset level is required to become a client?
I do not require a strict asset minimum to begin working together.
Most of my clients have built meaningful wealth through their careers or businesses and are seeking thoughtful financial planning and investment guidance as they approach retirement or financial independence.
Rather than focusing solely on account size, the most important factor is whether someone is facing financial decisions that benefit from comprehensive planning, such as retirement planning, investment strategy, or evaluating the financial impact of selling a business.
Is financial planning available on an hourly or project basis?
Yes. Many clients begin working with Adviso Wealth through a project-based financial planning engagement, particularly when they are navigating an important financial decision.
Examples include:
🔹 Evaluating whether they can retire comfortably
🔹 Developing a retirement income strategy
🔹 Reviewing investment portfolios and long-term planning assumptions
🔹 Analyzing the financial impact of selling a business
Some clients choose to continue working together on an ongoing advisory basis after the initial planning engagement.
How do you work with clients—in person, remotely, or both?
Adviso Wealth works with clients both locally and nationwide.
Many meetings are conducted virtually, which allows us to work with clients across the United States.
For clients located near Princeton, New Jersey, in-person meetings are also available.
Do you offer an introductory consultation?
Yes. I offer an introductory conversation so we can discuss your situation and determine whether working together would be helpful.
This initial discussion is simply an opportunity to learn more about your goals, the decisions you are facing, and how my planning process works. There is no obligation to move forward.
If you're beginning to think about retirement or evaluating how your business fits into your long-term financial plans, an introductory conversation is often the best place to begin.
Education
University of Warwick, BSc (Hons) Economics
Hobbies and Interests
- Dancing
- Family
- Music
- Painting
- Theater
- Working Out
- Writing
- Yoga
SEC Lookup
View DisclosureWho We Serve
- Attorneys
- Baby Boomers
- Business Owners
- Corporate Executives
- Entrepreneurs
- Families
- Gen X
- Investors
- Women Professionals
Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.
A great option for those who are starting out
Financial Clarity & Confidence with Sweta
Valued advisor
Financial Growth with a Heart
Excellent work rebalancing my portfolio
Great experience
Retirement Planning
We Want Your Voice to be Heard
Wealthtender exists to help people discover trusted and authentic financial professionals and educators who may be a good fit based on their unique needs and circumstances.
Your honest reviews help people decide which financial professionals and educators may be best suited to their individual needs.
The majority of people trust reviews as much as personal recommendations, so what you write in your review should reflect your own opinion and experience.
Tips for Writing a Helpful Review
Be descriptive. Instead of just saying what you like or dislike, share why. What have you enjoyed most or least about your experience with the provider? Have they helped you overcome a difficult financial challenge or strengthened your knowledge about particular money matters? The more details, the better!
Be honest. Your rating and review should reflect your actual experience.
Stay relevant. Ensure your review is helpful to others by avoiding off-topic discussions or personal opinions not relevant to your direct experience.
Make your review easy to read. Reviews should be readable to others. Use proper grammar, avoid excessive capitalization or punctuation, and be sure to check your spelling.
Be yourself. Don’t post as, or pretend to be, someone else, and do not say you’re associated with a person or organization with which you are not.
Be nice. Don’t write abusive, hateful, threatening, or harassing content. Avoid personal threats, hate speech, obscenities, or inflammatory language.
Respect the privacy of others. Don’t post information that can be used to identify another individual or compromise their privacy.
Report abuse. Thank you for helping us ensure reviews on Wealthtender are helpful to everyone. If you suspect possible violations of our guidelines or believe a review is inappropriate, please email support@wealthtender.com with a link to the provider’s profile, indicating the review in question and the reason you believe it violates our guidelines.
➡️ Are you reviewing a financial advisor? Learn more about Certified Advisor Reviews.
Disclaimers
Wealthtender reserves the right to remove reviews that violate its guidelines and/or regulations issued by the Federal Trade Commission, Securities and Exchange Commission, FINRA, and other regulatory agencies. Further, financial advisors are subject to individual firm policies and rules prescribed by federal and state regulators that may result in reviews being removed, not published, or potentially modified upon the documented request submitted by an advisor, compliance officer, or other firm professional to maintain compliance with federal and state regulations.
If you submit a review on Wealthtender, the Federal Trade Commission has issued guidance to ensure you always maintain the right and ability to request reviews be removed from any online review website, including Wealthtender. To request the removal of a review you submitted on Wealthtender, please send an email to support@wealthtender.com using the same email address you utilized when submitting the review. Please include in your email a link to the profile on Wealthtender where your review is published.
In addition to your review being published on Wealthtender, you acknowledge your review may also be published by your financial advisor on their website, social media accounts, and/or profile pages on other directory websites.
The reviews posted on Wealthtender are individual and subjective opinions. The opinions expressed in reviews are those of the reviewer and not of Wealthtender, Inc. Wealthtender does not endorse any of the opinions expressed by reviewers.
Please refer to the Wealthtender terms of service and privacy policy for additional information.
If you have questions or if we can assist with anything at all, please contact us by email at support@wealthtender.com or call us at (512) 540 – 3811.
Thank you for visiting Wealthtender and giving us the opportunity to serve you.
© 2024 Wealthtender, Inc.
