Our Pricing & Services

Financial & Retirement Planning

We model your retirement in detail so you can understand when it's feasible to stop, and what your financial life looks like when you do.

We map out every income source in retirement—Social Security, pensions, investments, part-time work—and show you how to draw them down in the most tax-efficient sequence.

We analyze the optimal time to claim Social Security, accounting for your health, other income, and whether a spouse is in the picture.

We identify the years where Roth conversions make mathematical sense—converting pre-tax dollars at lower rates before RMDs force distributions at higher ones.

We review your Medicare options, long-term care exposure, estate documents, and insurance coverage so nothing critical is left unaddressed.

Investment Management

Your portfolio should serve your life—not the other way around. We manage investments with CFA® Charterholder oversight and a philosophy built around evidence, low costs, and tax efficiency.

We generally use diversified, low-cost investment strategies designed to provide broad market exposure while seeking to manage investment costs.

For larger portfolios, direct indexing allows us to own individual securities, harvest tax losses systematically, and build in values-based or concentration restrictions where needed.

We continuously monitor your portfolio for rebalancing opportunities and tax-loss harvesting—not just once a year, but as markets move.

We keep you informed and grounded when markets are volatile—so you stay the course and let the plan do its job.

We ask the bigger question regularly: is this portfolio still aligned with where your life is headed? Goals shift. Your investments should shift with them.

Tax, Estate & Strategic Coordination

Taxes are typically the largest expense in retirement—and the most overlooked. We work alongside your CPA and estate attorney to make sure every decision is coordinated, not siloed.

We take a forward-looking view on taxes—modeling multi-year scenarios so we can act in low-rate windows before circumstances change.

We coordinate directly with your CPA so tax strategy informs investment decisions in real time, not after the fact.

We work with a trusted estate attorney to ensure your documents, beneficiary designations, and titling actually reflect your wishes.

We review your gifting strategy, charitable giving approach, and any appreciated securities that create planning opportunities.