Our Services

We take a "household CFO" approach, working with you continuously to plan for the life you want while expertly managing your investments. In our experience, ongoing financial management leads to the best financial and psychological outcomes. Without guidance, managing investments and making financial decisions can be overwhelming and emotionally challenging, hindering your ability to use money joyfully and effectively. With our expert partnership, we keep you on track, help you adapt to changes, and guide you through every financial transition.

Are you ready to be your own retirement advisor?

Retirement is a new, unfamiliar stage of life. For the first time, you no longer have a paycheck and are now spending down your assets. Managing cash flow carefully is now critical. Investing strategies change and market volatility can create panic and worry. Key tax optimizations have limited windows that can be easily missed. And on top of it all, research shows that we are terrible at predicting our future wants and needs. As such, your plans are guaranteed to change in ways you cannot predict.

As your trusted fiduciary, we are here to guide you through this new phase and reassure you through the changes.

Full-Service Financial Planning and Investment Management

Our ongoing services are designed to help you reach your goals and guide you through every financial transition. We believe this approach delivers the most value and better outcomes.

Click the + below to see more details about our services.

Comprehensive Financial Planning

  • We start with you and your values, not your money. Using custom exercises and tools, we uncover what’s important to you today and in the future. We gently ask the tough questions at the right time.

  • Every aspect of your financial life is reviewed, and we form your financial health baseline including major threats and opportunities. We conduct an in-depth review of your life, home, auto, umbrella, and disability insurance as well as estate and incapacity documents to ensure you are prepared for the unexpected and inevitable. We track these and remind you when it’s time to update them.

  • The movement of your money with smart budgeting and savvy financing is the core of all planning. We help you break it down to achieve your goals using behavioral techniques, emergency funds, online budgeting tools, liquidity analysis, and debt management. We make sure your money is there when you need it.

  • With the cost of college outpacing inflation, we help you explore all the possibilities without putting your retirement plans at risk. We use tools to help weigh financial options that build a composite solution.

  • As your largest lifetime expense, we help you reduce present and future tax burdens with strategic bracket management and tactical deduction strategies.

  • Our primary strategy is always to ensure you don’t run out of money before you die. Spending down your assets is complex and emotionally challenging. We help you transition smoothly.

  • With our expertise in aging issues, we can help you navigate housing and healthcare options and how they will impact your financial life.

Professional Investment Management

  • We organize your investment account (and bank, if desired) using Schwab—the lowest-fee and largest custodian. We regularly move money, correct configurations, change beneficiaries, and optimize taxes for all your investment accounts.

  • Our personalized, low-cost, index fund portfolios provide better diversification and glide paths than standard retirement date funds. We craft a custom investment plan, called the Lifetime Roadmap, aligning your lifetime savings and investment strategy with your goals.

  • We provide diversification, asset allocation, regular monitoring, hedging, and rebalancing of your investments to manage risk exposure. Education and research are essential for informed decision-making, helping you limit potential losses while aiming for financial growth.

  • Using the latest statistical tools combined with bond, annuity, and income investing techniques, we create a “payroll” from your investment accounts that dynamically maximizes retirement income.

  • Creating a well-balanced investment portfolio that incorporates real estate can be challenging to achieve alone. We advise on buying properties for rental income, vacation homes, and other income-generating assets.

  • We evaluate optimal claiming strategies through tools that decode rules and weigh options to maximize your benefits in retirement.

  • Using tax-advantaged accounts like Roth IRAs, optimizing capital gains, practicing tax-loss harvesting, and investing in tax-advantaged bonds, we minimize taxes on your investment gains, so you keep more of the earnings.

Household Support

  • We are like partners in a business, sharing financial responsibility together. We review your balance sheet, income statements, and cash flows. Helping you get your financial sh*t together to relieve money stress and focus on what’s important to you.

  • We believe our ongoing services achieve better client outcomes. We are there when things change and help you create paths to new goals as they arise. We connect with your day-to-day experience and even make home visits if needed.

  • We put your interests above our own and take it a step further by being Fee-Only. We never take commissions or referral fees and strive to save and earn you money.

  • We have a list of professional references that are both local and affordable that coordinate well with our services.

  • We are your project managers doing the heavy lifting, making sure tasks do not get dropped. When you do have to complete a task, we remember and gently remind you.

  • We use several software applications that help us analyze and monitor your financial life. We use video to record meetings and provide stand-alone explainers with AI summaries. We use psychometric assessments to help us learn more about your financial preferences, attitudes, and wellness.

  • We use an enterprise privacy and security platform to create a portal that gives you access to your important documents while keeping your financial life organized.

Onboarding

2-6 months

The depth and length of onboarding depend on the complexity of the household and the pace of completing different meetings and activities.

  • Address Urgent Needs

  • Open, Configure & Fund Schwab Accounts

  • Life Planning

  • Diagnostic

  • Risk Analysis

  • Cash Flow & Budget

  • Long-Range Planning

  • Tax Review

  • Estate & Incapacity Review

  • Investment Strategy

  • Lifetime Roadmap

  • System of Accounts

  • Retirement Modeling

Ongoing Management

Annual services will vary based on the needs of your household. There are over 300 different financial planning topics we can cover, but here are typical annual activities.

  • On-Call Advisory Services

  • Portfolio Management

  • Dynamic Rebalancing

  • On-Demand Money Movement

  • Monthly “Payroll” Distribution

  • Annual Tax Strategy & Bracket Management

  • Legacy Planning

  • Minimum of 2 Planning Meetings Per Year