Blackshire Wealth Management serves executives, business owners, and retirees across Chadds Ford and the Brandywine Valley. Fee-only, fiduciary, and 15 minutes up Route 202 in West Chester.
Chadds Ford sits at the meeting point of two states, three counties, and a remarkable concentration of quiet wealth. Executives who commute to Wilmington, business owners along the Route 1 corridor, and retirees who chose the Brandywine Valley on purpose all share the same planning problem: assets, income, and heirs spread across a state line that changes the rules.
Blackshire is independent, fee-only, and fiduciary. We coordinate investments, tax strategy, retirement income, and estate alignment into one plan, with no commissions and no products.
Living in Chadds Ford and working in Delaware means filing in both states, since Pennsylvania and Delaware have no reciprocity agreement. Pennsylvania credits you for Delaware tax paid, but Delaware's graduated rates reach 6.6% against Pennsylvania's flat 3.07%, so withholding and estimated payments need deliberate setup. Many of our Chadds Ford clients draw a paycheck from DuPont, AstraZeneca, Incyte, or the Wilmington banks; we plan around those benefit programs every day.
The state line matters even more at the estate level. Pennsylvania levies an inheritance tax of 4.5% on transfers to children, 12% to siblings, and 15% to most others. Delaware levies none. For families with property or accounts on both sides, titling, beneficiary designations, and lifetime gifting decisions deserve real analysis, and we coordinate all of it with your estate attorney.
Pennsylvania is one of the friendliest states in the country for retirement income: Social Security, and most 401(k), IRA, and pension distributions after retirement age, are exempt from state tax. The planning work shifts to the federal side, where withdrawal sequencing, Roth conversions in the years before required minimum distributions, Medicare IRMAA thresholds, and sequence of returns risk determine how long the portfolio lasts. Our Retirement Hub has free tools if you want to see where you stand before we ever talk. And if you've wondered whether the Delaware side of the line would treat your retirement better, we compared the two states in detail.
Our office in West Chester is 15 minutes up Route 202, and we serve clients throughout the Brandywine Valley: Kennett Square, Unionville, and Pocopson to the west, and Greenville, Wilmington, and Hockessin across the Delaware line. Wherever your finances cross the border, we already know the terrain.
Executives, business owners, and retirees across Chadds Ford, Pennsbury, Birmingham, and Concord townships. Most of our clients are in the $500K to $5M+ investable asset range.
Blackshire Wealth Management was founded by Henry Supinski, who spent a decade in the tech industry before returning to financial planning. He is supported by Ron Madey (CFA, Chief Investment Officer), Ken Kideckel (CFA, CFP®, Head of Portfolio Management), and a dedicated compliance and marketing team.
Our office is at 1065 Andrew Drive in West Chester, about 15 minutes up Route 202 from Chadds Ford. We meet in person, virtually, or a mix, whatever suits you.
Pennsylvania and Delaware have no reciprocity agreement, so you file returns in both states and Pennsylvania credits the Delaware tax you paid. Because Delaware's rates run higher, your withholding needs to be set up correctly, and any bonus or equity income adds another layer. We coordinate this with your CPA.
It depends on your income mix. Pennsylvania exempts nearly all retirement income but levies an inheritance tax. Delaware taxes retirement income above a $12,500 exclusion at 60+, but has no sales tax, no inheritance tax, and lower property taxes. We model both side by side before anyone changes a domicile.
Pennsylvania taxes most inheritances: 4.5% to children, 12% to siblings, 15% to most others, with spouses and charities exempt. It applies from the first dollar, so it touches far more families than the federal estate tax. Titling, beneficiary design, and lifetime gifting can all reduce it, which is exactly the coordination work we do with your attorney.
Yes, 100% of the time. Blackshire is fee-only: we are paid only by our clients, earn no commissions, and sell no products. Our only obligation is to your best interest.
Your first call is 30 minutes. No obligation, no sales pitch. Just an honest conversation about where you are and where you want to be.
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