Retirement: Accumulation & Distribution
Whether you are still building your nest egg or you’ve already reached the summit, we’re with you. We help you navigate the shift from saving to spending, ensuring you can confidently enjoy the lifestyle you’ve worked so hard to build.
Integrated Tax Preparation & Planning
Most advisors just tell you to "talk to your CPA." We are your tax professionals. We prepare your personal returns and provide proactive planning throughout the year. Often, the tax savings we find help offset the cost of our partnership.
Education Funding
From 529 plans to UGMA accounts, we help you cut through the jargon to find the most tax-efficient way to fund the education of the next generation.
Estate & Legacy Planning
It’s not just about what you leave behind; it’s about the impact it has. We review your wills, trusts, and beneficiary designations to ensure your assets go where you intended while minimizing the tax burden on your heirs.
Evidence-Based Investment Management
We build portfolios based on what actually works: academic research and market history. Our focus is on cash-flow centered investing, designed to provide stability and reliable income so you aren't at the mercy of the daily news cycle.
Cash Flow Management
Your spending plan is the heartbeat of your financial life. We help you balance enjoying today with saving for tomorrow, ensuring you’re prepared for big milestones—like a child’s education or your own retirement—without the stress of the unknown.
Employee Benefits & Stock Options
If you have a complex benefits package, we’ll help you make sense of it. We provide strategies for exercising stock options, maximizing FSAs, and finding the right balance between your company retirement accounts and your taxable investments.
Objective Insurance Review
We are not insurance agents and we don't sell products. This allows us to provide a truly unbiased audit of your current policies. If you need coverage, we’ll tell you what’s missing; if you're over-insured, we’ll tell you that, too.
True Wealth Planning
We goes beyond numbers. It’s about connecting your financial decisions to the life you want to live and the values that matter most.
Using Money Quotient(R) methodologies, we help you gain clarity about what’s truly important—your priorities, purpose, and definition of success. Through structured conversations and thoughtful exercises, we translate those life goals into a financial strategy that reflects who you are and what you want your wealth to accomplish.
From there, we integrate every component—investments, taxes, retirement income, and estate design—into one cohesive plan that evolves as your life does. The outcome isn’t just financial confidence; it’s peace of mind knowing your money is aligned with your life’s deeper direction.
