Our Services
Financial Planning
Know where you stand. Plan where you're going.
Comprehensive financial planning brings structure and intention to your financial life. It helps you understand where you are today, clarify where you want to go, and map out the most efficient path to get there. We believe that effective planning starts with the full picture—your career, family, goals, values, and even life’s uncertainties. That’s why we take the time to understand every aspect of your situation before building a plan.
Over the course of a year, we integrate each part of your financial world into a coordinated, long-term strategy, from cash flow and debt management to retirement, education, insurance, and estate planning. The result is a plan that’s technically sound, personally meaningful, and built to give you clarity, confidence, and the freedom to focus on what matters most.
Planning fees vary based on the specific needs and complexity of your situation, with most fees typically ranging from $6,000 to $10,000 per year, split into monthly or quarterly payments. After discussing your individual needs, we will provide a tailored fee estimate. For more focused or short-term support, we also offer financial consulting at an hourly rate of $250. Please contact us to determine the approach that best aligns with your goals.
Ongoing Financial Planning Fees
Typical Annual Calendar
1st Quarter
Gather information on your financial circumstances and goals to develop/update your personalized financial plan. Create clear action items based on planning recommendations.
2nd Quarter
Review your tax return to evaluate optimization strategies and analyze your investments to ensure they are aligned with your goals.
3rd Quarter
Assess insurance (life, disability, property, long-term care) coverage, evaluate education planning strategies, and review estate planning needs.
4th Quarter
Review benefit coverage during open enrollment and evaluate end of year tax opportunities (e.g., charitable giving strategies, Roth conversions, tax-gain harvesting).
Investment Management
Intentional, long-term investing with your goals in mind.
Our investment philosophy is built on simplicity, discipline, and evidence—not market hype. While it may not be flashy, our approach is designed to work. We focus on broad diversification, low-cost passive investments, and tax efficiency to capture historically reliable long-term risk premiums. It's a strategy that avoids speculation and embraces consistency—because successful investing is less about quick wins and more about steady progress over time.
Your portfolio is tailored to your unique goals, time horizon, and risk tolerance, and fully integrated with your overall financial plan. As a fee-only fiduciary, we never earn commissions or sell products—so every recommendation is made with your best interest at heart.
Investment Management Activities
Portfolio Design & Asset Allocation
Constructing a globally diversified portfolio aligned with your goals, time horizon, and risk profile. Placing investments in the right types of accounts (taxable, tax-deferred, and after-tax) to help achieve the highest after-tax returns.
Ongoing Portfolio Management
Continuously tracking performance and implementing rules-based rebalancing to maintain target allocations while minimizing taxes and transaction costs. Providing regular reporting and reviews to refine strategy as needed.
Tax-Loss Harvesting
Identifying and executing loss harvesting opportunities in taxable accounts to offset gains with “paper” losses to keep you invested while also reducing your current year tax liability.
Investment Coaching
Helping you stay disciplined during market volatility to avoid emotionally driven investment decisions.
Liquidity Management
Optimizing drawdowns in retirement or during income transitions to extend portfolio longevity and minimize taxes, and ensuring sufficient reserves are available to meet short-term needs without disrupting long-term strategy.
Financial Plan Coordination
Integrating investment decisions with your overall plan, including tax, estate, and retirement considerations.