How I Can Help
Whatever brings you here, the approach never changes. Independent, objective, and built entirely around you.
Retirement Income Planning
The shift from saving to spending is a much bigger financial transition than most retirees anticipate. For decades, the goal was to save, save, save. Now the goal is to spend, and that requires a clear, confident plan. Retirement income & cash flow planning looks at your full picture including Social Security timing, Required Minimum Distributions, Roth conversion opportunities, and tax bracket management to build a strategy aimed at making your money last as long as you need it to. Nothing about that is guaranteed, which is why I test the plan against more than one outcome and revisit it as your life changes.
Senior Mission Planning
A full-time senior mission is one of the most meaningful financial decisions still ahead of you, and one of the most complex. A mission rarely shows up in a standard retirement plan, and it touches your taxes, your Medicare premiums, your portfolio, your home, and your insurance all at once.
A mission is far easier to fund when the decisions get made before the call comes. Once there is a departure date on the calendar, most of the useful options have already narrowed.
Costs vary by mission type, length, and location, and the strategies that help most depend on your own account types and tax picture.
Wealth Management
Managing an investment portfolio well requires more than picking funds. It requires a disciplined process built around your specific goals, how much risk you are comfortable with, and your timeline, and an advisor with no commission, no product shelf, and no sales target shaping the recommendation. As a fee-only fiduciary, every portfolio is designed around your objectives, with deliberate asset allocation, disciplined rebalancing, and an investment strategy that evolves with your life.
None of that assures a profit or protects against loss when markets decline. Investing carries risk, including the possible loss of principal, and the point of a disciplined process is that it holds up across more than one outcome rather than betting on a single one.
You will know what you own, why you own it, and how it connects to your broader financial plan.
Tax Planning & Charitable Giving
Taxes are a major area where good financial planning can create real, measurable savings. Instead of only thinking about taxes in April, proactive tax planning looks years ahead through strategies such as Roth conversions, tax-efficient asset location, and determining what type of account to withdraw from and when. For those who give generously, the right structure can make that generosity go significantly further than a simple check. Good tax planning and charitable giving are not always separate conversations. They belong in the same plan.
What It Costs
Most firms make you sit through a meeting before they'll tell you what they charge. I'd rather you know before we ever speak.
I work with clients one of two ways. Nothing is sold on commission. Ever.
Wealth management. Investment management and comprehensive financial planning as one relationship, for one fee based on the assets I manage.
Assets I manage
Annual Fee
Assets I manage
Assets I manage
Annual Fee
Annual Fee
First $250,000
1.20%
Assets I manage
First $250,000
Annual Fee
1.20%
$250,000 to $750,000
1.00%
Assets I manage
$250,000 to $750,000
Annual Fee
1.00%
$750,000 to $1,000,000
0.80%
Assets I manage
$750,000 to $1,000,000
Annual Fee
0.80%
$1,000,000 to $1,500,000
0.70%
Assets I manage
$1,000,000 to $1,500,000
Annual Fee
0.70%
$1,500,000 to $2,000,000
0.60%
Assets I manage
$1,500,000 to $2,000,000
Annual Fee
0.60%
Above $2,000,000
0.50%
Assets I manage
Above $2,000,000
Annual Fee
0.50%