+
01
Life discovery and values mapping
A structured process that maps how your life is set up around money, not just your accounts. We want to understand who you are before we build anything.
+
02
Retirement income planning
A clear plan for how you will turn your assets into income, in what order you draw from each account, and how to make your money last as long as you do.
+
03
Goal modeling
Built around real outcomes: retirement, education, legacy, and major purchases, with probability-of-success modeling so you can see how your plan holds up.
+
04
Scenario and what-if planning
What happens if you retire two years early? What if markets drop 30%? We model the decisions before you have to make them.
+
05
Cash flow analysis
A clear picture of where your money comes from and where it goes, so we can identify gaps, opportunities, and the right savings rate for your goals.
+
06
Social Security strategy
When to claim, how spousal benefits interact, and how the decision affects your lifetime income. Getting this right can be worth tens of thousands of dollars.
+
07
Medicare and IRMAA planning
Enrollment timing, Part B and D choices, and managing your income to avoid the Medicare surcharges that quietly inflate costs for higher earners.
+
08
Insurance and risk review
A review of your life, disability, long-term care, and umbrella coverage to make sure the risks that could derail your plan are properly managed.
+
09
Equity compensation planning
RSUs, stock options, and ESPP require careful coordination with your tax plan. We build a strategy around your vesting schedule and concentration risk.
+
10
Education funding
529 planning, superfunding strategies, and coordination with your overall plan so saving for college doesn't compete with saving for retirement.
+
11
Living plan and client portal
Your plan updates as your life changes. A dedicated portal gives you access to your goals, accounts, and plan in one place, on any device.
+
01
Plan-first portfolio construction
Your portfolio is built around your financial plan, not a model. Your allocation reflects your goals, timeline, tax situation, and income needs.
+
02
Evidence-based philosophy
We invest based on decades of academic research into what actually drives returns, not hunches, headlines, or hot sectors.
+
03
Asset location strategy
We place each investment in the account type where it is taxed most favorably, coordinating across your taxable, tax-deferred, and Roth accounts.
+
04
Tax-loss harvesting
We systematically capture losses throughout the year to offset gains and reduce your tax drag on returns, without disrupting your strategy.
+
05
Tax-aware rebalancing
We keep your portfolio aligned with your plan while minimizing the tax cost of doing so, using new contributions and losses to rebalance before selling.
+
06
Concentrated position management
For clients with large positions in a single stock, we build a strategy to reduce concentration risk over time in a tax-efficient way.
+
07
RMD planning and execution
We calculate, coordinate, and execute your required minimum distributions on time and in a way that fits your broader tax and income plan.
+
08
Decumulation and distribution
Beyond RMDs, we manage the full withdrawal strategy: which accounts to tap, in what order, and how to sustain income across a thirty-year retirement.
+
09
Cash and sweep optimization
We make sure idle cash is working as hard as possible, sitting in the right place while staying available when you need it.
+
10
Transparent performance reporting
Full visibility into your returns, your fees, and your allocation. You always know exactly how your money is doing and what you are paying for it.
+
01
Annual tax return review
We analyze your full tax return every year and build what we find directly into your financial plan, so no opportunity gets missed.
+
02
Multi-year tax projections
We model your tax situation across multiple years so we can make decisions today that reduce your lifetime tax burden, not just this year's bill.
+
03
Roth conversion modeling
We identify the right amount to convert each year, at the right time, to minimize what you pay the IRS over your lifetime.
+
04
Capital gains strategy
We coordinate gains and losses across your portfolio to manage your tax liability, harvest losses intentionally, and time realizations strategically.
+
05
IRMAA threshold management
We track your income against Medicare surcharge thresholds and plan around them, so a single year of higher income doesn't trigger years of higher premiums.
+
06
Social Security taxation
Up to 85% of Social Security can be taxable. We plan your income so you keep as much of it as possible.
+
07
Net investment income tax
The 3.8% NIIT applies to investment income above certain thresholds. We plan around it as part of your broader income strategy.
+
08
Charitable giving strategy
Donor-advised funds, qualified charitable distributions, and bunching strategies that reduce your tax bill while supporting causes you care about.
+
09
Withdrawal sequencing
We coordinate which accounts you draw from and when, integrating tax planning and income planning so every dollar goes further.
+
10
Business owner strategies
QBI deduction planning, entity structure review, and retirement account strategies for business owners with more complex tax situations.
+
11
Year-round proactive planning
The best tax decisions happen before the year closes. We plan throughout the year, not just in April when it is too late to act.
+
01
Core document review
Will, trust, powers of attorney, and healthcare directives drafted and reviewed by qualified attorneys, coordinated with your financial plan.
+
02
Beneficiary and titling audit
We review every account's beneficiary designation and titling to make sure your estate plan actually works the way you intend when it needs to.
+
03
Estate and gift tax analysis
For larger estates, we model your exposure and identify strategies to reduce what gets left to the IRS instead of your family.
+
04
Lifetime gifting strategy
Annual exclusion gifts, lifetime exemption use, and coordinated giving strategies that transfer wealth to the next generation in a tax-efficient way.
+
05
Trust strategy
Revocable and irrevocable trust structures designed to protect assets, reduce estate taxes, and ensure your wishes are carried out the way you intend.
+
06
Wealth transfer and legacy
A plan for how your wealth passes to the next generation, on your terms, in a way that reflects your values and protects what you have built.
+
07
Charitable legacy coordination
For clients who want to leave something meaningful behind, we coordinate charitable bequests and legacy giving with your broader estate and tax plan.
+
08
Digital asset inventory
A structured record of your digital accounts, passwords, and assets so your family can access what they need without a crisis when the time comes.
+
09
Professional coordination
We work directly with your CPA and attorney, or connect you with trusted professionals in our network if you don't have them in place yet.
+
10
Ongoing reviews and document storage
Estate documents aren't a one-time project. We review them as your life changes and store them securely so they're accessible when needed.
