Comprehensive Wealth Management Overview
We are an independent, fee-only, financial advisor, dedicated to guiding you toward financial independence through personalized financial planning, investment management, and tax planning.
We serve individual families, offering a holistic approach to navigate life’s financial complexities. Whether you’re starting a family, buying a home, or planning for retirement, we can provide tailored solutions to optimize your financial future.
Our Mission
Our mission is to empower clients to achieve financial independence by aligning their wealth with their unique goals and values.
We specialize in addressing the financial challenges faced by individuals and families, including exercising stock options, optimizing investment portfolios, managing small business finances, and planning for major life milestones.
Our remote-first approach ensures we can serve clients nationwide and globally with the same dedication and personalized care.
What We Offer
We provides a seamless, integrated approach to financial planning, combining expertise in investments, taxes, and life planning to deliver a comprehensive client experience.
Our services include:
Comprehensive Financial Planning
We a dynamic financial plan tailored to your unique needs, covering:
Life Planning: Using George Kinder’s Three Questions to align your wealth with your deepest aspirations, ensuring your financial strategy reflects your purpose.
Cash Flow Planning: Optimizing your budget and savings to support your lifestyle and goals.
Retirement Planning: Building a roadmap to ensure a secure and fulfilling retirement.
Education Funding: Leveraging tax-advantaged strategies to save for college or other educational expenses.
Insurance Analysis: Evaluating your coverage to protect your family and wealth from unforeseen risks.
Home Purchase Planning: Conducting rent vs. buy analyses and verifying income for mortgage lenders to support your homeownership goals.
Tax-Efficient Investment Management
We design and manage diversified, low-cost portfolios tailored to your risk tolerance and financial objectives, housed at Charles Schwab. Our investment approach includes:
Customized Portfolios: Built with a growth-focused, globally diversified mix of ETFs, emphasizing tax efficiency through strategies like backdoor Roth IRAs and targeted tax-loss harvesting.
Equity Compensation Management: Developing personalized exercise and sell strategies for stock options
Proactive Rebalancing: Adjusting portfolios quarterly to maintain alignment with your goals and mitigate risk.
Implementation Support: Executing trades on your behalf, including for equity compensation, to ensure timely action and optimal outcomes.
Proactive Tax Planning
We integrates tax planning into your financial strategy to minimize liabilities and maximize wealth:
Annual Tax Projections: Conducted in the fall to forecast your tax obligations, enabling strategic adjustments like 401(k) contributions or charitable giving to reduce your tax burden.
Why We Stands Out
Fee-Only Fiduciary Commitment: As a fee-only advisor, we are paid solely by you, ensuring no commissions or kickbacks influence our recommendations. Our fiduciary duty guarantees we prioritize your best interests at all times.
Holistic Approach: By combining financial planning, investment management, and tax planning under one roof, we eliminates the inefficiencies of coordinating multiple advisors, reducing the risk of costly miscommunications.
Personalized Expertise: We brings deep expertise in navigating complex financial situations, from equity compensation to IPOs, acquisitions, or major life transitions.
Client-Centric Process: Our proven process starts with understanding your “why” through life planning, followed by a customized financial strategy that evolves with your needs.
Technology-Driven Solutions: We use advanced tools like RightCapital to provide a cloud-based financial dashboard, allowing you to monitor your financial picture and model scenarios like home purchases or early retirement.
Your Journey with Us
Getting Started
Discovery Phase: Begin with a Discovery Call to explore if we are the right fit. We’ll discuss your goals, assess your needs, and determine how we can help. If we’re not the best match, we’ll refer you to trusted professionals for your specific needs.
Contract and Onboarding: Upon agreeing to work together, you’ll sign a service agreement, followed by an onboarding meeting to gather documents and introduce you to our secure, tech-forward tools.
Development Phase
Get Organized Meeting: We’ll guide you in collecting necessary documents (e.g., account statements, tax returns) and introduce you to our financial planning software.
Goal-Setting and Life Planning: Through exercises like Kinder’s Three Questions, we’ll uncover your priorities and align your financial plan with your vision for a fulfilling life.
Plan Development: Over a series of meetings, we’ll craft a comprehensive financial plan, addressing urgent needs (e.g., IPOs or home purchases) and long-term goals. We work at your pace, ensuring timely action when needed.
Implementation Support: We provide hands-on assistance to execute recommendations, from opening investment accounts to coordinating with mortgage lenders or connecting you with attorneys for trusts or estate planning.
Growth Phase
Ongoing Engagement: We proactively schedules at least two meetings per year (spring and fall) to review your plan, taxes, and investments. You’ll have unlimited access for questions or ad-hoc meetings to address life changes, such as job transitions or family additions.
Year-End Tax Planning: In the fall, we conduct a tax projection to optimize your tax strategy before year-end deadlines, ensuring you maximize deductions and minimize liabilities.
Continuous Monitoring: Your portfolio is actively managed to stay aligned with your goals, with adjustments made to capitalize on market opportunities or mitigate risks.
Who We Serve
We specializes in serving individuals and families facing major life transitions, such as starting a family, buying a home, or planning for retirement.
Take the First Step
Ready to organize and optimize your financial life? Contact us to schedule your Discovery Call and discover how we can help you achieve short-term solutions and long-term wealth-building success.