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FINANCIAL PLANNING

We provide comprehensive financial planning services, investment advice or management, and tax services on an ongoing basis. Think of us like the Chief Financial Officer or CFO for your household. We will ensure all aspects of your financial life are organized and appropriately structured. If you’d like, we can prepare your individual tax return and manage your investment portfolio. Both are covered by the same annual fee. 

One of our core beliefs is that financial planning doesn’t happen overnight and it is unlikely to be a one-time event. In the Army, we would say that no matter how good our plan was, it never survived first contact with the enemy. An ongoing relationship helps us to stay flexible while getting to know your goals, objectives, and behaviors on a deeper level. This is where we provide our best advice and it ensures you never hesitate to pick up the phone or send an email. 

Beyond the areas described above, we routinely provide advice and guidance in the following areas:

  • Employee Benefit Optimization

  • College Savings

  • Retirement Planning

  • Tax Planning

  • Risk Management (Insurance)

  • Estate Planning

  • Employer Stock (RSUs/ESPP/ISOs/etc.)

  • Social Security 

  • Debt Management

  • Major Purchase Planning

  • Charitable Giving

  • Healthcare Cost Planning

See our Process and FAQ pages for more info.

PORTFOLIO MANAGEMENT

We offer portfolio or investment management services. This is a great option for those that may not have the time, interest, or expertise to diligently manage their own investment portfolio. From start to finish, we take the lead and ensure your investments align with your financial goals and objectives. At the core of our portfolios are low cost mutual funds and ETFs – providing broad exposure to the returns of multiple asset classes. We can’t (and won’t try to) predict the future, but we can improve your odds of success by focusing on factors we can control:

  • Diversifying globally and across multiple asset classes

  • Keeping trade and fund expenses low

  • Not reacting to market forecasts

  • Buying lower and selling higher via regular portfolio rebalancing

  • Being tax efficient with asset location and investment selection

  • Helping you stick to the strategy (i.e. staying invested) during periods of decline

See our Investment Philosophy and Pricing pages for more info.