Our services
We bring every part of your financial life together into one clear, living plan.
Retirement planning
We model your income, spending, Social Security and investments to build a retirement plan you can trust, then adjust it as life changes.
- Social Security optimisation
- Withdrawal strategies
- Healthcare and Medicare planning
Investment management
We build globally diversified portfolios using low-cost funds, rebalance regularly and harvest tax losses, all aligned with your goals and comfort with risk.
- Tax-efficient asset location
- Automatic rebalancing
- Quarterly reviews
Tax strategy
Working alongside your CPA, we identify Roth conversions, charitable strategies and tax-loss harvesting opportunities that can save thousands every year.
- Roth conversion analysis
- Charitable giving strategies
- Multi-year tax projections
Business owner planning
We help business owners plan retirement accounts, succession and the sale of their company, so years of hard work turn into lasting wealth.
- Exit and succession planning
- Solo 401(k) and cash-balance plans
- Key-person insurance review
Estate & legacy planning
We coordinate with estate attorneys to make sure your wills, trusts and beneficiaries reflect your wishes and minimise taxes.
- Trust and beneficiary review
- Generational wealth transfer
- Donor-advised funds
Family office services
For families with $10M+, we offer a dedicated team covering investments, tax, philanthropy, bill pay and family education.
- Dedicated wealth team
- Consolidated reporting
- Next-generation education
Working with us
What does fee-only mean?
We're paid only by our clients, never by commissions or product providers, which removes conflicts of interest.
How much do your services cost?
Planning starts at a flat $4,500 per year. Investment management is 0.85% of assets, decreasing as assets grow.
Is there a minimum to work with you?
Our planning service has no minimum. Investment management typically starts at $500,000.
Where are my assets held?
With an independent custodian like Charles Schwab or Fidelity, in your own name.
Let's talk about your future
A free, no-obligation 30-minute call with a CFP® professional.