Financial Services
Comprehensive wealth management for every stage of life.
Our planning services.
Every service is delivered through the lens of your complete financial picture, because no financial decision exists in isolation.
Retirement Planning
Personalized retirement income strategies that account for Social Security optimization, pension analysis, Required Minimum Distributions, Roth conversion planning, and healthcare cost projections. We model multiple scenarios so you can retire with confidence, knowing your money will last.
Estate Planning
Coordinated estate strategies including revocable and irrevocable trusts, wills, power of attorney, healthcare directives, and beneficiary designation reviews. We work with your estate attorney to ensure your plan reflects your wishes and minimizes estate taxes.
Tax Strategy
Proactive tax planning, not just preparation. Tax-loss harvesting, asset location optimization, charitable giving strategies (donor-advised funds, QCDs), business entity structuring, and year-end planning sessions. Our strategies have saved clients an average of $28,000 per year in taxes.
Investment Management
Evidence-based portfolio construction using low-cost index funds and ETFs. Strategic asset allocation, regular rebalancing, tax-efficient placement, and risk management. We don't try to beat the market, we build portfolios designed to capture market returns efficiently.
Insurance Analysis
Objective review of life, disability, long-term care, and umbrella insurance. Since we earn no commissions, our recommendations are based purely on your needs. We analyze coverage gaps, compare policies, and coordinate with independent agents.
Business Owner Planning
Retirement plan design (401k, SEP, defined benefit), business succession planning, key-person insurance analysis, buy-sell agreement review, and S-Corp vs LLC tax optimization for business owners.