Wealth Management Services

Retirement Planning

• We understand that you want the freedom to design your retirement in ways that fit your life, resources, abilities, and desires. We'll help you plan it your way.

• Our retirement plans are flexible and effective, and at the same time, they are informed by academic evidence and research.

• Our comprehensive advice on insurance, taxes, spending, saving, employer benefits, Social Security, Medicare, education planning, real estate, inflation, the economy, and more serves to keep you on the right path as well as protect your investment portfolio we've built you.

• Our partnership with you becomes the backbone of your ideal retirement years. 

Investment Services

• We construct and monitor evidence-based, well-diversified portfolios designed to support your unique needs, time horizon, and risk tolerance.

• We perform ongoing rebalancing using a proactive approach to tax planning that seeks to minimize your tax liability over time. 

• We offer review and reallocation of investments within your employer-sponsored retirement plans, such as a 401(k), 403(b), etc.

• We provided detailed tax and diversification planning for all equity compensation you may receive, including RSUs, ESPP, ISOs, NSOs, etc.

Tax Liability Insights

• We believe tax strategy is one of the biggest levers we can use to protect your assets. Therefore, we have invested in in-house tools and education that allow us to offer you detailed tax planning. 

• We will proactively review your tax return and offer opportunities to minimize income tax.

• We are available to work with your tax preparer to minimize your tax bill.

• We include tax-advantaged investments in your taxable portfolio and solutions for new tax laws that can affect your situation.

Risk Management & Insurance Insights

• Too many people make the mistake of thinking their investments are the only place they are taking risk in their financial lives. We are experts at showing you how to transfer, minimize, and avoid meaningful risks, which protects your assets from losses, liability, and unplanned outcomes.

• We will offer you insurance recommendations, including home, life, health, long-term care, auto, and umbrella.

Education Planning

• We offer to advise on the most appropriate type of education planning accounts at no additional cost (because it's hard enough to pay for college). 

• We use sophisticated software that helps you understand how your children can get a great education at an affordable price. We specialize in demystifying financial aid, enabling your student to find schools that will give them the most free money so they can graduate debt-free and enrich their lives as they move on to the next state. By helping to ensure that every student can have access to affordable college education, we can lower anxiety on one of the our clients' top concerns: how to pay the college bill. 

Estate and Legacy Plans

• We offer compassionate, comprehensive guidance to help you know how to set up your estate and legacy for generations to come.

• We can connect with you, your heirs, and your family attorney to ensure everything is coordinated.

• Analysis and monitoring of your legacy plans, including:

  • Monitoring account beneficiaries​​

  • Assistance in transferring assets to your family trust

  • Guidance with necessary and appropriate steps in the event of the passing of someone you love

Real Estate Investment Planning

• We help you understand and plan for transaction costs, taxes, opportunity, and holding costs.

• Detailed mortgage analysis and services, including analysis of amortization schedule, whether you should refinance, and referrals to Reverse Mortgage and traditional mortgage specialists.

Cash Flow Automation Plans

• We create cash flow plans for you based on detailed life-income analysis.

• We recommend budgeting solutions to clients at every stage of life, helping you allocate your money to your financial goals.

Communication With Us

• We are available to give you advice during business hours on what steps to take next.

• We proactively offer timely perspective and analysis of legislative, economic, and political events.

• Unlike with most financial advisors, you get unlimited phone and email communication - we want to hear from you!