Advisory Services

We provide retirement planning and investment management with an incessant focus on minimizing taxes.

As a fiduciary who always keeps our clients’ best interests at the heart of our advice, we need to understand exactly who you are and what a life of purpose and freedom looks like to you. That’s why we begin every client relationship with a “life planning” meeting where we guide you through a series of exercises to learn about your values and goals, helping you articulate a vision for your life. We hold this at the core of your financial plan, aligning your money with your life — we want you to live your retirement years with meaning.

Financial planning is an ongoing process and conversation. We typically hold proactive “anchor” meetings twice per year, but of course are available for additional meetings, phone calls, and emails whenever you need us. Because our work is based on our clients’ lives, we intentionally limit the number of clients we serve. This allows us the bandwidth to provide thoughtful advice and diligently implement individualized strategies for each of our clients. We want you to have financial peace of mind and confidence that you’ll have enough money for the rest of your life.

Retirement Planning

We help guide our clients so they have confidence in their financial plans for the remainder of their lives. We help integrate and advocate across many financial areas such as:

    • Expectations on sustainable portfolio withdrawals

    • Social Security claiming strategies

    • Pension analysis

    • Annuity analysis

    • Legacy goals - during life and after death

    • Organized plan for finances after death

    • Minimize income tax for you & your heirs

    • Minimize estate tax

    • Life Insurance

    • Home, Auto, and Liability Insurance

    • Intentions and planning

    • LTC insurance policy review

Tax Planning

Although we do not prepare tax returns, we are focused on minimizing income taxes throughout your lifetime. Areas where we offer tax planning include:

  • We run annual tax projections, finding opportunities to minimize taxes over the long term.

  • Reviewing opportunities for Roth conversions allows you to smooth income and minimize taxes in your retirement years.

  • Medicare premiums are based on your income and are an often overlooked planning opportunity. By managing your income you can minimize the IRMAA surcharges.

  • Based on your current and future charitable inclinations, we may recommend taking advantage of opportunities such as Qualified Charitable Distributions (QCDs) or a Donor Advised Fund.

  • We oversee RMDs, making sure you distributed the required amount from your accounts, and also strategize on the timing of distributions from Inherited/Beneficiary IRAs.

  • We’ll send you’re CPA an annual letter outlining strategies we implemented throughout the year that need to be captured on your tax return.

  • We can review your draft tax return to make sure that any planning strategies we implemented were properly reported on your return.

Investment Management

We specialize in creating robust portfolios for the specific opportunities and risks of individuals in retirement. The focus of our investment portfolios include:

  • The fundamental building blocks of our portfolios are consistent across clients, but are assembled to match your unique situation.

  • The core tenets of our strategy are rooted in academic research and provide broad diversification to reduce risk while targeting multiple sources of expected return.

  • We are incessantly focused on minimizing unnecessary costs and taxes so that more of your returns stay with you.

  • Individual Treasury bonds aligned with your spending plan provide reliable cash flow with minimal risk, while the remainder of your portfolio targets long-term growth.

  • We manage investment accounts held in custody at Charles Schwab and TIAA-CREF.

Learn About Our Pricing