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Navigate Complex Financial Decisions with Confidence

Comprehensive Wealth Management

Wealth management is more than investing money.  It's an all-encompassing process where each piece of your financial life is coordinated into one cohesive plan. 

 

We create customized financial plans that strategically address each aspect of your financial situation, providing you with actionable steps to accomplish each goal.

While every plan is unique to the individual, here are the areas where we can help you plan:

  • Retirement planning

  • Investment planning and portfolio management

  • Tax Planning

  • Executive compensation and concentrated stock holdings

  • Advice when making large financial decisions such as buying a home

  • Financial planning and investing for short-term goals

  • Cash flow management and budgeting

  • Estate planning and preservation

  • Insurance and risk management assessment (we don’t sell insurance)

  • Education Funding

Our Core Wealth Management Services

Retirement Planning

SOLUTIONS FOR EVERY STAGE

​When it comes to retirement planning, the most common questions are:

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  • What are realistic retirement goals?

  • Am I on track to meet my goals?

  • What will my income and expenses be in retirement?

  • How much should I be saving?

  • What can I do to improve the chances of meeting my goals?

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Whether you are in retirement, nearing retirement, or many years away, we help clients answer these questions and put them on a path to meeting their retirement goals. 

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Our experience in retirement planning spans decades and we have successfully guided our clients through the stages of retirement planning from wealth accumulation, to pre-retirement strategizing, and ultimately helping them transition into retirement. ​

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How We Help

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  • Personalized Plan: Develop a long-term, tax-efficient investment strategy customized to your goals.

  • Account Selection: Optimize account selection by utilizing taxable, tax-deferred, and tax-free accounts.

  • Projections and Analysis: Project future portfolio values, expenses, and income and calculate a savings rate to hit your target.

  • Income Planning: Optimize payout strategies for Social Security withdrawals and pensions.

  • Distribution Strategies: Determine how much you can safely withdraw from your investments and the most tax-efficient manner in which to spend your assets.

  • Support: Receive ongoing guidance so you can stick to a long-term plan, grow your wealth, and meet your financial needs in retirement.

Portfolio Management

TAILORED INVESTMENT SOLUTIONS

We understand how to build and preserve wealth in the financial markets.  Our process and strategies are grounded in time-tested methods and investment principles, which is why for more than 23 years clients have trusted us to help them manage their wealth.   

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Our goal is to make the investment process easy and straightforward for you, and we want you to feel confident that your portfolio is aligned with your goals and objectives.  And, because we are fee-only advisors, the advice you receive is unbiased and based solely on your best interests.​

​How We Help

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  • Evidence-Based: Our investment philosophy is based on empirical evidence of what actually works in the financial markets. Investment decisions are rooted in long-term market history; not short-term predictions.

  • Systematic Approach: Clients benefit from a systematic approach to investing where strategies follow a consistent and disciplined process to improve the likelihood of you meeting your investment goals. 

  • Customized: Portfolios are tailor-made to fit your investment objectives, risk tolerance, time horizon, and tax situation.  We don't use cookie-cutter solutions.

  • Efficient: High fees and taxes are a drag on performance, so we design portfolios with cost management and tax efficiency in mind.  

  • Unbiased: As Fee-Only advisors, we do not accept commissions or financial incentives that might bias our recommendations.  We create investment plans that are based solely on the best interests of clients and not that of the brokerage world.  

  • Steadfast: We understand the difficulties most investors face in the markets, especially during market volatility.  Clients can rely on our knowledge and experience to help them stay the course and remain committed to a long-term plan.

Tax Planning

MINIMIZE TAXES BY PLANNING AHEAD

Waiting until tax time to reduce your taxes is often "too little too late" as proper tax planning is a year-round process.  Whether you are in retirement or many years away, we help you build a tax strategy around your unique circumstances so you don't miss out on tax saving opportunities.  

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By taking a proactive approach, you can take advantage of tax-smart strategies to minimize, postpone, or eliminate taxes.  â€‹â€‹â€‹

​How We Help

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  • Investment Selection: Based on your tax situation, create the right mix of taxable, tax-advantaged, or tax-free investments and income.  

  • Asset Location: Enhance the tax-efficiency of your assets by placing them in the most advantageous location between your taxable, tax-deferred, and tax-free investment accounts.

  • Tax Timing: Harvest capital gains or losses when advantageous.  Defer or accelerate income when advantageous.

  • Tax Analysis: Model scenarios to understand the tax implications of your decisions and determine the best course of action.

  • Estimates: Run tax projections to determine if estimated quarterly tax payments are required.

  • Roth Conversions: Consider Roth conversions to fill income gaps.

  • Educational Funding: Utilize tax-free investment accounts for college savings.

  • Monitor: Track changes to the tax laws to identify tax planning opportunities.

Equity Compensation

PROACTIVELY MANAGE EQUITY COMPENSATION

Many professionals who receive equity compensation are accomplished individuals, but managing these awards and understanding how they impact your broader financial plan can be daunting. This is where an experienced financial advisor comes in. 

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We have worked with clients who have amassed substantial wealth with their equity based compensation, and we want to offer you the same expertise and guidance.  By leveraging our experience, we can offer you the knowledge and guidance you need to make informed decisions and fast-track the attainment of financial goals from your equity-based compensation. ​

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How We Help

Valuation and Risk Analysis

Model and analyze the growth and risk metrics of your equity awards

  • Valuation modeling

  • Leverage analysis

  • Volatility metrics

  • Concentration risks

Tax Analysis

Understand the tax implications of your awards

  • Ordinary income

  • Capital gains and losses

  • AMT and AMT credits

  • Quarterly estimated taxes and withholding

Model Strategies

Develop proactive strategies for each award.

  • Plan for vesting and exercise

  • Create exit strategies

  • Manage concentrated positions

  • Calculate tax scenarios

  • Model the impact of your awards on financial goals

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