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Comprehensive
Planning.

Tax strategy at the core.

What Sets Us Apart

While we handle comprehensive planning, these three areas are where we deliver the most value.

Tax Minimization

Our Core Differentiator

Taxes are often the largest expense in retirement. Most advisors overlook this. We build your plan around it.

  • Roth conversion analysis
  • Tax-efficient withdrawal sequencing
  • Coordination with your CPA
  • Annual tax letter for your preparer

Potential savings: $100,000s over your retirement

Streamlined Process

Less Hassle, More Progress

No endless paperwork. No confusing portals. Just intuitive tools that respect your time.

  • Modern, easy-to-use technology
  • Skip the lengthy forms
  • Secure document sharing
  • Clear communication, no jargon

Get answers faster - without the runaround.

Retirement Income

Clarity, Not Guesswork

Know exactly how much you can spend - and when to adjust.

  • Social Security timing optimization
  • Portfolio withdrawal strategy
  • Cash flow analysis
  • Income projections that adapt

Claiming Social Security at 62 vs 70 can differ by $100,000s

Explore Our Full
Range of Services

Investment Philosophy

We're long-term investors, not traders. Our approach focuses on building wealth steadily while minimizing the taxes you pay along the way.

Tax-smart placement: Right investments in the right accounts
Low-cost, diversified core: Broad-based ETFs at minimal cost
Selective positions: Individual stocks when appropriate
Services

Tax Minimization

For most retirees, taxes take more from their portfolio than any other expense. Strategic planning can save you hundreds of thousands over your lifetime.

Roth conversion analysis
Tax-efficient withdrawals
Annual tax letter for your CPA
RMD planning and reporting

Income Planning

Know exactly how much you can spend each month - and when to adjust. No guesswork.

Social Security timing (62 vs 70 = $100,000s difference)
Portfolio withdrawal strategy
Cash flow analysis
Free Monarch Money membership

Investment Management

Institutional-quality portfolios, held safely at Schwab. We never have direct access to your funds.

Personalized portfolio design
Weekly performance updates
Access to alternative investments
Clear explanations of every holding

Estate & Legacy Planning

Ensure your wishes are respected and your family is protected. We coordinate with your attorney.

Estate planning coordination
Beneficiary tracking
Estate tax minimization (avoid 40-50%)
Generational wealth planning

Protection & Insurance

Find gaps in your coverage before they become problems. We don't sell insurance - we analyze it.

Insurance risk analysis
Long-term care planning
Life & disability review
Account security setup

Guidance & Support

A 60-page binder isn't a plan - it's a paperweight. Your plan evolves with you.

At least 2 meetings per year
Living, breathing financial plan
Phone calls whenever you need
Help getting your papers organized

All Services Included

Everything above is part of our comprehensive planning fee. No hidden costs, no à la carte pricing.

Get Your Tax-Focused Review

Best for pre-retirees and retirees
with $750K+ in investable assets

Have questions?

See our FAQ