Planning, not chasing.
What if your retirement was built on a plan-
not just a hope for high returns?
We are planning-focused, with an emphasis on tax efficiency and prudent investing.
Personable Service.
Open, honest relationships are at the core of our practice. A commitment to transparency is why we've chosen to operate as fee-only fiduciaries.
Income Distributions.
Not all retirement accounts are the same and there's a strategy to withdrawing funds. By planning your withdrawals wisely, you can better manage fluctuations and taxes.
Tax Planning.
We emphasis proactive tax planning, and encourage clients to take a long-term view that prioritizing lifetime tax efficiency rather than just focusing on the current year.
Optimize Investments.
Our approach is rooted in discipline rather than market speculation—we focus on sound strategy over chasing trends. While our method may not be flashy, it's intentionally designed that way to promote consistency, stability, and lasting results.
Estate Planning.
Retirement accounts have unique implications for your estate plan. We collaborate with attorneys to ensure your plan fully integrates assets in a way that aligns with your long-term goals and minimizes potential tax burdens.
Social Security.
You deserve a clear understanding of your options based on your unique situation.
Our 4-step planning process.
1
First, we listen.
Tell us about your desired lifestyle and preferences so we know what an ideal retirement looks like for you.
Then, we'll review where you are.
We’ll consider retirement income needs, health care options, investments, savings, Social Security, and tax reduction.
2
3
Then, build your plan.
With your specific preferences in mind, we’ll create a custom plan that makes the best use of options available to you, so you can embrace retirement with confidence and peace of mind.
So, you can take a sigh of relief.
With a sound plan, a simple method of execution, and the comfort of a friendly expert to lean on, you can rest easy, knowing your bases are covered.
4
Start planning now.
Hire our team to manage your retirement plan for you.
Beyond our team monitoring the health of your portfolio, you’ll also get:
- Your initial retirement plan, including a withdrawal strategy that provides you with an income stream calculated to last as long as you need it to.
- Virtual/In-person financial planning consultations, at least once a year to discuss any changes, questions, or just catch up. Beyond that, we can talk as often as you’d like. We’ll help you navigate any changes that arise in your life, such as acquiring a part-time job, making a big purchase, receiving an inheritance, changing life insurance, and beyond.
- Regular tax analysis to help you withdraw strategically and save money on your taxes.
- Investment management, which includes helping you reduce investment expenses and construct a portfolio to achieve the ideal level of risk and return.
- Health care & Social Security planning to ensure your retirement plan maximizes the benefits that you have contributed to over your entire working life.
- Estate Planning Assistance, we’ll support you in ensuring your transition of wealth to future generations or charities is executed to align with your legacy goals.
As fee-only fiduciaries, we are independent of any product recommendations and legally obligated to always work in our client’s best interest.
Your advisory fee is a simple annual percentage of the account value as follows:
Account Value / Annual Fee
   $0 to $100,000 / 1.25%
   $100,001 to $1,000,000 / 1.00%
   $1,000,0001 to $5,000,000 / 0.9%
   $5,000,001 and above / 0.8%
Track your progress in real time.
- Log in whenever you want to see where your account stands in real time.
- Glance at the probability of success percentages to see how you are actively progressing towards your goals.
- Play with amounts and scenarios to view hypothetical outcomes, without the risk of messing anything up!