Fee-only, fiduciary financial planning and investment management.
Helping you plan, build, and live well.
Fee-only, fiduciary financial advice with an emphasis on tax planning and cost-effective investment management, aligned with your values, priorities, and lifestyle.
CERTIFIED FINANCIAL PLANNER™ professional
Fee-only, fiduciary, independent.
In the industry since 2012
Financial planning, investment management, and fiduciary trust & estate administration.
Clients at every stage of life
From early-career professionals to established families and trusts.
What We Offer
Multiple areas, one coordinated plan — select an area to see a few examples of what it covers.
Goal & Retirement Planning
- Plan for the goals that matter to you, at every stage.
- Stress-test your goals against different markets and timelines.
- Set a timeline and a savings target for each goal.
- Decide when to claim Social Security and which pension option makes sense for you.
Tax Planning
- Plan taxes over your lifetime and your beneficiaries’, not just this year’s return.
- Evaluate Roth conversions, net unrealized appreciation (NUA), and other opportunities.
- Choose which accounts to draw from, and when.
- Coordinate with your CPA.
Investment Management
- Align your investments with your plan.
- Decide which investments belong in taxable, tax-deferred, and Roth accounts.
- Keep costs low.
- Build diversified portfolios based on research, not predictions.
Estate Planning
- Plan how your assets pass to the people and causes you choose.
- Review your will, trusts, and beneficiary designations.
- Coordinate with your estate attorney.
- Learn how your estate or trust will be carried out in practice.
Cash Flow Planning
- Build a spending and saving plan that fits your life.
- See where your money goes each month.
- Decide which debts to pay down first.
- Keep enough cash for the unexpected.
Education Planning
- Plan for education costs alongside your other goals.
- Compare 529 plans and other ways to save.
- Weigh saving for college against saving for retirement.
- Factor financial aid into your college plan.
Risk Management & Insurance
- Get coverage advice from someone who doesn’t sell insurance.
- Review life, disability, and long-term care coverage.
- Check home, auto, and umbrella coverage.
- Match coverage to what you need, without paying for more.
Employee Benefit Planning
- Coordinate your workplace benefits with your household plan.
- Choose health, disability, and life coverage at open enrollment.
- Use the retirement plan, HSA, and other benefits you’re offered.
- Revisit elections when life changes.
Equity Compensation Planning
- Fit your equity compensation into the rest of your plan.
- Understand your RSUs, stock options (ISOs and NQSOs), SARs, and ESPP.
- Plan exercises and sales around taxes and timing.
- Decide how much company stock to keep.
How We Work
- Coordinated, fiduciary advice and portfolio management.
- Comprehensive, written financial plans.
- Fee-only, so our only compensation comes from you.
- Virtual-first.
Who We Work With
Most people come to us with one question. Part of our job is finding the ones you haven’t asked yet.
Families
Questions and concerns clients in this group bring us:
- I’m not sure where our money goes each month.
- Are we saving enough?
- Should we be using 529 plans?
Medical Professionals
Questions and concerns clients in this group bring us:
- I don’t really look at my benefits. I’m so busy that I just keep what I already have.
- Is my disability coverage enough?
- Should I pay off my student loans or invest?
Retirees & Pre-Retirees
Questions and concerns clients in this group bring us:
- When should I start Social Security?
- Lump sum or annuity?
- I received an inheritance and don’t know what to do with it.
Established & Rising Professionals
Questions and concerns clients in this group bring us:
- I have accounts scattered everywhere.
- When should I exercise my stock options?
- Should I be doing Roth conversions?
