Comprehensive Financial Planning & Investment Management

Your financial life has many moving parts, and decisions in one area affect all the others. We bring them together into one clear plan, then help you carry it out and keep it current as your life changes.  

Who we serve

If you're just wanting someone to manage money, we're not the best fit.  We partner with families building and preserving multi-generational wealth who recognize the value of delegating to a comprehensive financial advisory team.  As wealth grows, taxes, estate planning, insurance, and investment decisions start to affect one another in bigger ways. That's where thoughtful, coordinated advice makes the greatest difference, and where we add the most value.

We work with a limited number of families by design. That focus allows us to know each client deeply and to maintain the level of service our relationships are built on, because our existing clients always come first.

Our first conversation is simply an opportunity to get acquainted and see whether we're a good fit for each other.

What we cover

• Retirement: When you can retire, how much you can spend, and how to make your savings last.  We also help you optimize Social Security and Medicare.
• Investments: A portfolio built around your goals, time horizons, and comfort with volatility, managed and monitored continuously on your behalf.
• Tax planning and preparation: Year-round strategies to help reduce taxes today and over your lifetime, plus preparation of your tax return.
• Insurance: We review your current coverages to ensure you and your family are fully protected without paying for unnecessary extras. By partnering with independent consultants, we bring specialized expertise and unique products tailored directly to your needs.
• Estate planning: We help you think through your wishes and make sure your accounts, estate planning documents, and beneficiaries line up with your plan. When you need legal documents such as wills or trusts, we can introduce you to an estate planning attorney we trust or work with your own.

How we work with you

We don't just hand you recommendations. We help you put them into action and manage your investments continuously.  We also work closely with other professionals on your behalf. If you already have an accountant or attorney you trust, we'll collaborate with them. If not, we can introduce you to professionals we've worked with and trust. Either way, everyone stays on the same page.

We meet regularly to review your progress and adjust your plan when your goals or circumstances change.

Our minimum and fees

We’ve found that we add the most value for families with at least $1 million in investable assets, whose financial lives benefit most from coordinated, comprehensive planning.  We charge a straightforward annual advisory fee of 0.75%. 

Our initial conversations are entirely complimentary and carry no obligation, giving us both the opportunity to ensure we are an ideal fit for your financial goals.

Our fee includes financial planning, investment management, insurance consulting, estate planning, and integrated tax planning & preparation.  An estate planning attorney prepares legal documents and bills separately.

We never receive commissions, referral fees, bonuses, incentives, trips, or even golf balls.  We only get paid for advice, not selling products.

What you can expect

A trusted partner who knows your full picture and brings your tax, legal, and financial professionals together around one plan.  We help you and your family make confident decisions for years to come, and we’ll be there for them when you’re no longer here.

Our process is designed to determine whether we’re a good fit, identify where we can add value, and make managing your financial life easier.

We start with a conversation about you—where you are today, what matters most, and what you hope to accomplish. It’s also an opportunity for both of us to determine whether there may be a good fit.

If it makes sense to continue, we gather the key pieces of your financial life, including tax returns, estate planning documents, investment and retirement statements, and insurance policies.

This allows us to look at the bigger picture—not just your investments.

We meet again to share what we see, identify opportunities and potential concerns, and discuss where we believe we can add value.

We’ll also explain your relationship options, the services we would provide, and the cost—so you can make an informed decision without pressure.

Once we decide to work together, we begin developing your comprehensive financial plan and putting it into action. Our team coordinates the process so you don’t have to manage all the moving pieces.

• Digital Paperwork: We handle onboarding, account setup, and transitions.
• Planning & Implementation: We develop and coordinate strategies across retirement, investments, taxes, estate planning, and insurance.
• Professional Coordination: We work with attorneys, accountants, and other outside professionals to help keep everyone on the same page.
• Monitoring: We establish the systems needed to monitor your plan, investments, and progress going forward.

Financial planning isn’t a one-time event. We meet regularly to review your progress, address new opportunities or concerns, and adjust your plan as your life, goals, tax laws, and financial circumstances change.

The goal is simple: give you one coordinated process for managing the many financial decisions that come with retirement and the years ahead.

The best financial planning relationships are built on communication, trust, and participation.

You don’t need to become a financial expert—that’s our job. But we do ask you to stay engaged, keep us informed, and speak up along the way.

Meet with us regularly and take a few minutes to review and respond to important communications. We’ll do the heavy lifting, but your participation helps keep your plan moving forward.

Your financial life is connected to your real life. Changes involving your family, career, health, goals, or finances can affect the advice we provide.

The more we know, the better we can help. And, of course, the information you share with us is kept confidential.

You should understand the recommendations we make and why we’re making them.

If something is unfamiliar or unclear, ask. We want you to feel comfortable and confident in the decisions we make together.

If something doesn’t feel right, tell us. Your concerns, preferences, and priorities matter.

Open communication helps us address issues early and make sure your financial plan continues to reflect what matters most to you.

You can delegate much of the work to us—but never your voice in the process.