two people placing money into savings jars

Educating & empowering investors to become
their own best advocate

Receiving financial advice should not depend on transferring your hard-earned assets to a financial advisor. The tools and technology exist for you to be your own best advocate & control the one thing that you can control in investing: YOUR FEES   

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Advice on your terms

Why pay for advice based on your level of assets when it's a terrible barometer of how much advice you need?

Our model is simple: Hourly financial advice or a flat-fee annual retainer

You worked hard to save your money, why pay more in fees than you need to? 
two people standing and placing money into a piggy bank

Believe it or not – our goal is to work ourselves out of a job

We help investors build financial plans, establish a strategic investment framework, and fine tune asset allocation, location, and tax exposure.

If we do our job well, you'll be LESS dependent on our services over time as you grow into your own best advocate. 

Talk with an Advisor
Our Services

Full-service financial planning (without all the hidden fees)

Full Financial Plan 
This is a four-meeting process going through:
Your current assets
Short and long-term goals
Savings and investment strategies
Tax optimization
Estate plan review
No questions or ideas are off limits – this is your life, let us help guide you on your journey.
Cash Flow Analysis
Savings/spending review
College savings strategies/529s
Social Security strategies
Pre-and post-retirement spending strategies
Planning for “gap” years between retirement and social security/RMDs 
Investment Strategy Review
Review of your current investment accounts, investment allocation, investment advisory fees
In-depth discussion of personal thoughts and preferences around money and wealth
Design and draft a personal investment policy statement for you and your family
Advice and recommendations to ensure your investments are helping you to reach your long-term goal
Tax Optimization
Review W-2, 1040, paystub, and business retirement plan structure
Recommendations on Roth vs. Traditional IRA/401k contributions
Employer Stock Compensation discussion (ESPP/RSUs/NSOs/ISOs)
Discuss asset location, utilization of tax-loss harvesting
Donor Advised Funds, and charitable giving
Review of current policies – Life, disability, property, etc. 
And more
Develop insurance needs analysis and determination of whether you are under or over-insured. 
Multi-Generational planning
Discuss your overall estate plan and views on what you would like your wealth to become over time
Orchestrate family wealth conversations
Drafting and developing of family wealth plan
Review and discuss complex vehicles for multi-generational planning (Trust structures, utilization of partnerships, gifting strategies)

Become your own best advocate.

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you interact with your wealth?

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