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SERVICES & FEES
Independent, Fiduciary Financial Planning — Built Around You
Financial Planning
We know financial planning can feel confusing and overwhelming. Our goal is to make it simple — building a personalized plan that connects every area of your financial life and monitoring it on an ongoing basis so you can focus on what matters most.
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Comprehensive financial plan and ongoing monitoring
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Tax-efficient savings and investment strategy
Investment Management
We take a long-term, disciplined approach to managing your investments — using rigorous analysis to build and oversee portfolios designed to perform across different market conditions. We manage IRAs, Roth IRAs, 401k rollovers, and trust account management.
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Personalized portfolio construction aligned with your goals and risk tolerance
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IRA, Roth IRA, 401k rollover, and trust account management
Insurance Strategies
Insurance helps protect your income, assets, and family at every stage of life. We review your coverage and recommend the right solutions for your needs — working with multiple carriers with no commissions driving our advice.
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Life insurance — term, whole life, universal life
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Independent recommendations from multiple carriers
Small Business
We know managing your business finances can feel overwhelming. We keep things simple and stay on top of your plan — so you can focus on running your business and doing what you love. With a CPA on our team, your tax strategy and financial plan work together seamlessly.
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Business and personal financial planning
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Employee retirement plan design and management
Estate Planning Analysis
Estate planning is designed to assist you with transferring your assets to the next generation in an efficient manner and according to your wishes. We work alongside your estate attorney to ensure your financial plan and legal documents are fully aligned.
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Estate plan review and gap analysis
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Tax minimization strategies for estate and heirs
Clients We Serve
Every client's situation is different. Here are some examples of the clients we work with and how we help them.
PRE-RETIREMENT
Approaching Retirement with Uncertainty
A 58-year-old professional approaching retirement who has saved diligently but is unsure if they have enough, when to take Social Security, and how to create a sustainable income stream. We build a retirement income projection that answers every one of these questions with a clear, confident plan.
SMASLL BUSINESS OWNER
Managing Two Financial Lives at Once
A 50-year-old business owner whose personal and business finances are tangled together, with no formal retirement plan in place and an exit on the horizon in the next five years. We separate and organize both financial lives, set up a SEP IRA or Solo 401k, and build an exit plan well in advance.
HIGH NET WORTH
Optimizing a Complex Financial Picture
A 65-year-old retiree with a taxable account, multiple IRAs, a rental property, and an estate plan that hasn't been updated in years. We coordinate investment management, tax-efficient withdrawal strategies, and estate planning coordination to make sure every piece works together.
LIFE TRANSITION
Navigating a Major Life Change
A 55-year-old who recently lost a spouse and is suddenly managing finances alone for the first time. We provide a steady hand — reviewing accounts, updating beneficiary designations, restructuring the financial plan, and staying closely connected through the transition.
INHERITANCE
Putting an Inheritance to Work
A 45-year-old who recently inherited a significant sum and is unsure what to do with it — concerned about taxes, investment decisions, and making the right choices under time pressure. We help them slow down, build a plan, and deploy the funds thoughtfully and tax-efficiently.
WEALTH BUILDING
Building Wealth for the Long Term
A 38-year-old high income earner who is saving aggressively but has no formal plan — contributing to a 401k but unsure if they are doing enough, invested correctly, or taking advantage of all available tax strategies. We build a comprehensive plan that maximizes every dollar they save.
TRANSPARENCY
What We Charge
We believe you should always know exactly what you are paying and why. As an independent, fiduciary firm, we are committed to transparent pricing and providing advice that puts your best interests first.
Financial Planning
Fixed Fee
For financial planning services, we charge a fixed fee based on the complexity of your financial situation and the scope of services provided. Your fee is agreed upon before we begin, so you know exactly what to expect with no hidden costs or surprises.
✓ Comprehensive financial plan
✓ Retirement income analysis
✓ Tax strategy coordination
✓ Estate plan review
✓ Insurance gap analysis
✓ Access to planning portal
Investment Management
Assets Under Management
For investment management, we charge a simple, transparent fee based on the assets we manage for you — paid monthly from your investment accounts. No hidden charges. Our success is tied directly to yours.
✓ Personalized portfolio management
✓ Ongoing monitoring and rebalancing
✓ Proactive market communication
✓ Tax-aware investment strategy
✓ Access to institutional research
✓ Coordinated with your financial plan