Life stage
Where you are in life
- Executives and equity compensation
- Business owners preparing to sell
- Retirees and near-retirees
- Physicians
- Families and inheritance
A Smarter Approach to Your Financial Future
Wealth Management, Backed by Science
As wealth grows, so does complexity across investments, taxes, income planning, and the decisions that tie it all together. We help clients bring structure to that complexity so wealth can be managed with more intention and a clearer long-term framework.
- Fee-only fiduciary. No commissions.
- Investments, taxes, income and estate in one plan.
- Every guide reviewed by a CFP®, CIMA®, CAIA® professional.
Explore By Topic
Start with the decision that brought you here.
Some visitors arrive with a specific planning issue. Others simply know that wealth has become more complex than their current structure can comfortably support.
Planning
Financial Planning
Coordinate retirement, liquidity, life transitions, and the household decisions that shape long-term outcomes.
Explore financial planningPortfolio
Investment Management
Build portfolios around taxes, liquidity, concentration risk, and the broader plan.
Explore investment managementAfter-Tax Outcomes
Tax Planning
Give more attention to the decisions that quietly influence what clients keep.
Explore tax planningLegacy
Estate Planning
Connect legacy goals, document coordination, and family priorities to the broader wealth strategy.
Explore estate planningDifferentiated Opportunity
Alternatives & Private Markets
Evaluate opportunities beyond traditional public markets with discipline, selectivity, and fit.
Explore alternativesFor Employers
401(k) For Employers
Support for business owners and organizations looking to provide a stronger retirement-plan experience.
Explore employer plansWhy Clients Work With Us
Designed for the decisions that usually get treated in isolation.
Most investors do not need more financial noise. They need clearer structure, broader coordination, and a steadier way to think through important decisions as wealth becomes more complex.
Clearer structure
Important decisions deserve more than generic advice and isolated product recommendations.
Broader coordination
Portfolio design, tax considerations, income needs, liquidity, and differentiated opportunities should support each other.
Better decision architecture
The goal is not more complexity. The goal is a calmer, more deliberate process for navigating complexity well.
Who We Work With
Start from where you are.
Most people find us at a specific moment: a first vest, a business sale, a last paycheck. Each page below is written for one of those moments.
Employer
Where you work
All 14 employer guidesDecision
What you are deciding
- Concentrated stock and equity pay
- Tax-efficient investing
- 1031 exchanges and real estate
- Income beyond bonds
- Private markets
Prefer to meet in person? See the areas we serve.
Planning Library
The questions clients bring us, answered in full.
More than 50 guides, each written for one decision and updated for 2026 figures.
Retirement
How much do you need to retire?
A first-pass number: 25 times the spending your portfolio must cover, with the research range and its limits.
Read the guide
Equity Compensation
Why RSU withholding falls short
RSUs are wages at vest, withheld at a flat 22% while 2026 brackets run to 37%. How to close the gap before April.
Read the guide
Inheritance
The inherited IRA 10-year rule
Most heirs must empty an inherited IRA within ten years, and many owe withdrawals every year along the way.
Read the guideThe Long View
Market Briefing
Oil, inflation and interest rates through a century of data, and what each means for portfolios and retirement plans.
Open market briefingBy Email
Get new guides by email
An occasional email when we publish a new guide, with the short answer and what it may mean for your plan.
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Who Leads The Work
Theo Halbardier
CFP® · CIMA® · CAIA® · Founder and Private Wealth AdvisorTheo Halbardier, CFP®, CIMA®, CAIA®, is the Founder and Private Wealth Advisor of The Financial Sciences Company, a fee-only fiduciary firm. He works with people whose finances have outgrown a simple plan: maximizing retirement income, coordinating taxes, navigating equity compensation, selling a business, and more.
Read Theo’s storyStart With A Better Conversation
If these strategy conversations feel timely, the next step is simple.
Choose a time directly, or request a call and we will follow up thoughtfully.