Services
Planning first.
Always.
Four practice areas, one method: understand the whole picture, then build the strategy that fits it.
Retirement Planning
A clear picture of what your retirement actually looks like — and a plan to fund the life you want, not just a number on a statement.
Best for: Within ten years of retirement, or already there.
What's included
- Retirement income projections and shortfall analysis
- Social Security claiming strategy and timing
- Withdrawal sequencing across taxable, IRA, and Roth accounts
- Roth conversion planning in low-income years
- Medicare, healthcare-cost, and long-term-care planning
- Pension election and lump-sum versus annuity review
Wealth Management
Disciplined portfolio management for families with real assets to protect and a long horizon to grow them.
Best for: Households with significant assets to coordinate and protect.
What's included
- Comprehensive financial plan and annual review cadence
- Portfolio construction with disciplined rebalancing
- Tax-aware asset location and loss-harvesting
- Estate document review and beneficiary alignment
- Charitable giving, donor-advised funds, and QCDs
- Multi-generational planning and family meetings
Company 401(k) Plans
Retirement plan design and administration support for businesses that want a plan their employees actually use.
Best for: Employers of any size sponsoring or starting a retirement plan.
What's included
- Plan design, provider search, and cost benchmarking
- Investment lineup construction and ongoing monitoring
- Fiduciary process documentation and committee support
- Employee enrollment meetings and one-on-one guidance
- Safe harbor, profit sharing, and cash balance options
- Annual plan review with clear, jargon-free reporting
Getting Started
For people early in the journey — first real paycheck, first house, first serious savings decision.
Best for: Early-career professionals and first-time investors.
What's included
- Emergency fund and cash-flow foundation
- 401(k) contribution and employer-match optimization
- Roth versus traditional decision framework
- Student loan repayment versus investing trade-offs
- First home savings and timeline planning
- Insurance basics: disability, life, and umbrella
Engagement
What working together looks like.
- 01
Introduction
A straightforward conversation about where you stand and what you are trying to accomplish. No cost, no pressure, no obligation to continue.
- 02
Discovery
We gather the details — accounts, benefits, taxes, timelines — and build a complete view of your finances as they exist today.
- 03
Strategy
We present a written plan with specific recommendations, the reasoning behind each one, and the trade-offs you should weigh.
- 04
Stewardship
We implement, monitor, and revisit the plan on a regular cadence, adjusting as your life, the tax code, and the markets move.
Let's find out whether we're the right fit.
A first conversation costs nothing and commits you to nothing. Bring your questions — we'll tell you plainly whether we can help.