Services

HOW WE WORK

It’s starts with a Plan. Everything we do stems from your financial plan, built with rigor and care by our team of CERTIFIED FINANCIAL PLANNER® professionals. This Plan incorporates all elements of your financial picture, regardless of whether we are managing them. From there, for those clients who choose, we build out investment portfolios that work towards the success of that Plan via the most tax-efficient, risk-aware means possible. Getting back to our belief that a “good guide is better than the best map,” we then walk alongside you for the long-term, helping you to navigate what life throws your way. We help you stick to the Plan when doing so is wise, and we help you adapt that Plan when circumstances warrant.

With that in mind, let’s explore the two main ways that clients engage with us:

PLANNING ONLY

In this model, clients opt to have us serve as their financial planner and choose to manage their investments on their own. This work can range from helping a young professional get on a good path towards financial success to a retiree “getting their stuff in order” as they prepare to hand things down to the next generation, and many scenarios in between. This work is done on a fixed-fee basis – either one-time or retainer – for a predetermined length of time. We build out your financial plan and then work with you to implement this Plan. At the end of the engagement period, you can choose whether to continue with a renewed agreement, convert to our full-service model, or simply be done.

FULL SERVICE

In this model, which the vast majority of our clients choose, we serve as your financial planner and investment manager. All steps of the planning process detailed under the planning only model apply, and we layer on top disciplined management of your portfolio to reflect the needs identified in your Plan. This is a fee-based model where we get paid based on a percentage of assets under management (AUM).

At the end of the day, we are flexible. We want to do what is best for you and we’ll find a way to do so! We invite you to contact us today to discuss which option is best suited to your needs and the costs involved.

We invite you to explore below to see some of the many areas where we aim to add value through the planning and investment processes.

Wealth Accumulation

Save and invest in ways that align with your needs for the future, while still thoroughly enjoying the present!

Retirement Income Planning

You’ve accumulated it – and now it’s time to spend it. Keep more of what’s yours and enjoy it through wise, adaptive retirement income planning.

Estate & Legacy Planning

We’ll help you think about how to transfer your wealth to the next generation in thoughtful and efficient ways.

Thoughtful Tax Planning

Keep more of what you’ve earned through expert tax guidance that is mindful of your entire financial picture. We’ll work closely with your tax professional or guide you if you’re a DIY’er in this realm.

Living Generously

Let’s think about ways to steward your wealth for the good of others, whether those are charitable causes or simply those closest to you.

Diversifying Concentrated Wealth

Through small business ownership or stock compensation, wealth can become concentrated in ways that reduce flexibility and increase tax burdens. Let us help you think wisely through these challenges.

Education Planning

We’ll help you develop a thoughtful approach towards saving for future education needs for your kids, grandkids, or anyone else that you hope to assist (including yourself!)

Small business retirement plans

We work with small businesses to provide 401(k) or other retirement plans that meet the needs of the employer and their valued employees.

Let's Create Something Great

It all starts with a conversation. Let’s get to know each other and see if we can be a great fit for your needs.

Let's Get Started