Core Services
Protection Planning
Working out what would actually happen to your household if the income stopped, and what it costs to close that gap.
- How much life and disability coverage is missing
- What your existing policies cost, and what they do
- Long-term care: likely cost and the ways to fund it
- The trade-offs between one approach and another
If you buy insurance through us, we receive a commission from the carrier. See Important Disclosures.
Financial Planning
Connecting the decisions you make this month to the ones that only pay off in twenty years.
- Setting goals and putting a strategy behind them
- Cash flow analysis
- A plan for paying down debt
- Emergency fund targets
Retirement Planning
Working out where retirement income comes from, in what order, and what it costs in tax.
- Getting more out of a 401(k) and IRA
- Income that has to last a lifetime
- Investing and risk management
- Retirement plans for business owners
Specialized Services
Tax Filing & Planning
Filing the return is the easy part. The work that saves money happens in the eleven months before it.
- Annual personal and business tax returns
- Year-round tax planning
- Tax strategy for retirement withdrawals
- Tax-free and tax-deferred investing
College Fund Planning
A funding plan you can actually keep to, balancing savings, investments, and the accounts that carry a tax break.
- Whether a 529 fits, and how to use it
- A year-by-year plan for tuition
- How saving affects financial aid
- Who should own the account, and why it matters
Wealth Transfer Coordination
Many families have a will and later discover that the beneficiary designation on the account is what actually controls where the money goes.
- Reviewing and updating beneficiary designations
- Checking that wills, trusts, and account titling agree
- Tax consequences of how assets pass
- Coordinating with your attorney so documents and accounts line up
We are not a law firm and do not draft wills or trusts. Those are prepared by a qualified attorney team; we coordinate them with your accounts and tax planning.
How We Work
The same four steps every time, so you always know where you are.
Understand
We go through where things stand today, what you are worried about, and what you want to be true in ten years.
Plan
We put together a plan built around those goals, the risks attached to them, and the time you have.
Put It in Place
We help you carry the plan out, and coordinate with your attorney or accountant where the work overlaps.
Revisit
We check in on progress and adjust as your life, the tax rules, and the markets move.
Not sure which of these you need?
Most people aren't, and that is a perfectly good reason to talk. The first call is 30 minutes and free.
Book a free 30-minute call