Amber Wealth Advisors
Investment Adviser Representative · Amber Wealth Advisors

You make great money.
So why does it still feel like so much work?

You've worked hard to build your income. Now it's time to stop relying on yourself to remember every transfer, every bill, every investment, and every future expense. I help high-income households build an automated money system that keeps their finances organized, their wealth growing, and their future funded — without having to manage it all themselves.

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An automated money system for high-income households earning $200k+.
Derrick Horvath, Amber Wealth Advisors
If this sounds familiar…

You've reached the income you worked for — so why does money still take so much work?

Managing your finances still takes more time and mental energy than it should, and no raise seems to fix it.

You're constantly moving money between accounts, hoping you didn't forget something.

You check your bank account before making any bigger purchase.

Every raise seems to disappear instead of building wealth.

You're tired of budgeting apps, spreadsheets, and managing it all yourself.

The problem isn't your income. It's that you're still manually managing a financial life that's become too complex to manage that way.

What we work on together

An automated money system that quietly works in the background.

Instead of relying on budgeting apps, spreadsheets, or remembering where your money needs to go every month, we build one automated system that does it for you. Every paycheck already knows where it's going before it reaches your checking account.

Your bills are covered. Your investing happens automatically. Your future expenses are already funded. Your wealth continues growing in the background. Instead of managing your money every week, you simply check in a couple of times a year while the system does the work the rest of the time.

See if it's a fit →
2×
Times a year you touch it. That's it.
  • Every dollar assigned before it arrives
  • Investing happens automatically
  • Surprise expenses, funded in advance
  • Net worth that grows on its own
What the system runs for you

Every part of your money, handled automatically

Six moving pieces of your financial life, working together in the background — so you don't have to manage any of them by hand.

Cash Flow

Know exactly where your money is going without constantly moving it yourself.

Spending

Spend confidently because your bills, savings, and lifestyle are already accounted for.

Investing

Build wealth automatically through a system designed to keep you consistently moving forward.

Future Planning

Be prepared for vacations, home repairs, holidays, and life's unexpected expenses before they happen.

Lifestyle Inflation

Give every raise a purpose so more of your income goes toward building wealth instead of quietly disappearing.

Automation

Set it up once. Review it twice a year. Let the system do the work the rest of the time.

Why work with me

Most advisors manage your investments. I manage the part they ignore.

Most financial advisors focus on managing your investments. I focus on the system your money moves through before it ever reaches your portfolio. Because if your income isn't organized properly, even the best investment strategy can't eliminate the stress of managing your money every week. My goal is simple: help you build a financial system that gives you confidence your money is working — even when you're not thinking about it.

  • A structure built for your income today — not the income you used to have
  • Automation that removes willpower from the equation
  • Clarity on exactly where your money is going
  • A plan that turns a great income into lasting family wealth

"I spent my childhood believing more money would solve the problem. Then I finally made the money — and realized I still didn't have a system to keep it."

— Derrick Horvath, on why he built the system

Derrick Horvath
My story

I built this system for my own family first.

I grew up in a lower-income household. My parents divorced young; my dad drove for UPS and my mom worked whatever jobs kept a roof over our heads. I decided early that money wouldn't be a struggle in my future, so I chose accounting for the security it promised — and spent more than two decades in corporate finance and tax.

Eventually my wife and I reached the income I'd always worked toward. And I was surprised to find that making more money didn't solve it. Every raise grew our lifestyle, not our wealth. We weren't irresponsible — we were just still making manual money decisions every week, with no system pointing our income toward the future we wanted.

So I stopped hunting for another budget and built a system instead — one where every dollar had a job before it hit our account, and money moved toward bills, lifestyle, investing, and goals automatically. Everything changed. Investing became automatic. Surprises stopped being surprises. Our income finally started building wealth. That's why I do this: I believe one generation can change the future of the next.

Derrick Horvath Investment Adviser Representative · Amber Wealth Advisors, LLC
Is this for you?

The system works best for a specific kind of household

A quick gut-check before you book, so our call is time well spent for both of us.

This is a great fit if…

  • Your household earns around $200,000+ annually.
  • You're no longer living paycheck to paycheck.
  • You're tired of manually managing your money every week.
  • You want a permanent system instead of another budgeting method.
  • You want your finances to feel simpler, not more complicated.

It's probably not the right fit if…

  • You're struggling to cover your monthly bills.
  • You're carrying significant high-interest debt.
  • You're looking for quick financial tips instead of a complete financial system.
Take the first step

Book your call.

We'll spend about 20 minutes talking through how you're currently managing your money, what's creating unnecessary work, and whether an automated money system is the right fit for your household.

1

We look at how you're managing your money today.

2

We pinpoint what's creating unnecessary work.

3

You'll know if an automated money system is the right fit.

Book Your Call