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Advice that covers the whole of your financial life.
Each engagement starts with a written plan. From there, we manage investments and coordinate taxes, insurance and estate decisions so they pull in the same direction.
Retirement income planning
Turning a lifetime of savings into a dependable paycheck is a different problem from building the savings. We plan both.
What's included
- Retirement date and spending analysis
- Social Security claiming strategy
- Withdrawal order across taxable, IRA and Roth accounts
- Pension and annuity evaluation
Good fit if you
- Are within 10 years of retirement
- Recently sold a business or practice
- Want a second opinion on an existing plan
Investment management
Evidence-based portfolios, built from low-cost funds, sized to the risk your plan actually requires.
What's included
- Investment policy statement
- Tax-aware asset location
- Disciplined rebalancing
- Concentrated stock diversification
What we avoid
- Proprietary or commission-paying products
- Market timing
- Unnecessary complexity
Tax-aware strategy
We don't prepare returns, but we work alongside your CPA every year to reduce what you owe over a lifetime, not just this April.
What's included
- Multi-year tax projections
- Roth conversion analysis
- Tax-loss and gain harvesting
- Donor-advised funds and charitable gifting
Coordinated with
- Your CPA or tax preparer
- Your estate attorney
- Your business advisers
Estate & legacy
We make sure the documents, the accounts and the family conversations line up with what you intend.
What's included
- Beneficiary and titling review
- Trust funding coordination
- Gifting strategy for children and grandchildren
- Family meetings, facilitated by us
Good fit if you
- Want to involve the next generation
- Have a blended family or business interests
- Haven't updated documents in five years
annual advisory fee on the first $2M managed, declining above.
for a standalone financial plan, credited if you continue with us.
commissions, product fees or referral payments. Ever.
A first conversation costs nothing and commits you to nothing.
Forty-five minutes, in our office or by video. Bring your questions; we'll bring a pot of coffee and a blank page.