Our Founder

• Preservation with growth: Prioritize strategies that grow wealth while protecting downside in volatile markets.

• Access to expertise: Seek active management with deep research, not cookie-cutter portfolios.

• Customization: Expect portfolios tailored to personal risk tolerance, cash flow needs, and legacy goals.

• Clarity on timeline: Want to understand when they can retire and how long their money will last.

• Confidence in the plan: Value Monte Carlo simulations, contingency strategies, and real-world scenario testing.

• Lifestyle continuity: Emphasize maintaining quality of life and not outliving their money.

• Reliable withdrawal strategy: Prefer structured, inflation-adjusted income plans over vague rules of thumb.

• Tax-efficient distributions: Aim to reduce lifetime tax burdens via tax rates and smart withdrawal sequencing.

• Integration with Social Security/pensions: Value strategic coordination of all income sources for optimal cash flow.

• Legacy intent: Prioritize leaving assets to family, charities, or foundations according to specific wishes.

• Minimizing estate taxes: Want to preserve as much wealth as possible for heirs through trusts and gifting strategies.

• Control and privacy: Value well-structured plans that avoid probate and ensure confidentiality.

• Proactive year-round guidance: Expect advisors to look beyond April and advise year-round.

• Capital gains and income minimization: Seek harvesting and asset location tactics that reduce their tax bill.

• Collaboration with CPAs: We coordinate directly with tax professionals.

• Optimized diversification: Want guidance on how and when to unwind concentrated positions without tax surprises.

• Tax timing strategies: Focus on AMT, ISOs vs NSOs, and 83(b) elections.

• Liquidity planning: Value a long-term plan to convert equity to retirement assets or lifestyle goals.

• Multi-generational wealth: Care deeply about passing down financial knowledge and assets responsibly.

• Support for aging parents or adult children: Often navigating the “sandwich generation” challenge.

• Planning for life events: Want strategies that adapt to marriage, births, or caring for dependents.

• Risk mitigation: Want assurance that unexpected events (disability, death, long-term care) won’t derail their plan.

• Cost vs. benefit analysis: Value objective evaluation of policies rather than product sales.

• Insurance integration: Seek to align coverage with estate and retirement planning goals.

• Funding family education: Often want to help fund college or grad school for kids or grandkids.

• Tax-efficient vehicles: Prefer using 529 plans or trusts as part of broader financial strategies.

• Balancing with other goals: Want to fund education without compromising retirement or gifting plans.

• • Maximizing total comp: Want a strategic overview of stock options, deferred comp, and retirement plans.

  • Integration with personal wealth: Expect their workplace benefits to be fully incorporated into their plan.

  • Executive compensation planning: Look for expertise in navigating SERPs, RSUs, and ESPPs.

• Design and Implementation of Custom Plans
  We help business owners maximize retirement savings through the creation of Defined Benefit Plans, Cash Balance Plans, and Profit Sharing/401(k) structures—customized to suit your compensation model and long-term goals.

• Tax-Advantaged Wealth Building
  These plans can significantly reduce current taxable income while accelerating wealth accumulation.

• Integrated Business Succession Support
  In parallel, we advise on business transition strategies to ensure continuity, whether through family, employees, or external sale.

A Thoughtful, High-Touch Experience
We work with a select number of clients to deliver the highest level of personalized attention.
• Investment advisory services are offered by invitation to those with portfolios of $1 million and above.
• Financial planning engagements start at $2,500 and are designed for individuals seeking clarity and confidence in their financial life.

Our first step is always a conversation — reach out to explore whether we’re aligned.