Wealth management
Wealth management, built from the plan
One relationship covers the plan, the portfolio, the taxes and the estate coordination, and we review it on a schedule instead of when something breaks. Each service below has its own page: what it includes, how we deliver it, and what you receive.
What every client receives
The core relationship
Financial planning
The plan: retirement income, cash flow, and the decisions that come up during the year, reviewed at least annually.
See what it includesInvestment management
A portfolio built from the plan, with an investment policy, tax-aware placement and rebalancing rules.
See what it includesTax planning
Multi-year tax planning with your CPA: brackets, Roth conversions, withdrawals, charitable giving and IRMAA.
See what it includesEstate planning
Your attorney drafts the documents; we make the accounts, beneficiaries and titling follow them.
See what it includesWhen it fits the plan
Beyond public markets
Alternative investments and private markets
How private funds and other alternatives are screened, sized and monitored before any dollar goes in.
See what it includesThe rhythm
How the year runs
Our Quarterly Rounds give each part of the plan its own quarter, so nothing waits for a crisis.
Cash flow
Spending, reserves, income for the year ahead, and anything that changed at home or at work.
Risk
The portfolio against the plan: allocation, concentration, insurance and the runway for the next few years.
Estate
Beneficiaries, titling, documents and the family conversations they require.
Tax
Year-end moves with your CPA: conversions, gains, harvesting, giving and next year's withholding.
Looking for a specific method? The strategy pages cover concentrated stock, tax-efficient investing, direct indexing, 1031 exchanges, income and private markets. Looking for your situation? See who we serve, including planning pages for 14 employers.
How we are paid
Fee-only, and nothing else
We are a fee-only firm: our only compensation is a simple advisory fee based on the assets we manage for you. No commissions, no product sales, no hidden or layered fees. This structure keeps our interests aligned with yours. In other words, we do better when you do better.
Questions
Common questions
What does wealth management include?
Financial planning, investment management, multi-year tax planning with your CPA, estate coordination with your attorney, and alternatives where they fit the plan. It is one relationship with one fee, reviewed every quarter, rather than separate services bought one at a time.
How often will we meet?
At least once a year for a full review, and through our Quarterly Rounds, where each quarter takes one part of the plan in turn: cash flow, risk, estate and tax. Decisions that come up in between, such as a job change, a sale or an inheritance, get handled when they happen.
Do you prepare tax returns or draft legal documents?
No. We do not provide tax or legal advice. Your CPA prepares the return and your attorney drafts the documents. We plan the numbers across years, and we coordinate with both so the plan, the return and the documents agree.
Can I get a financial plan without investment management?
Yes. Standalone planning is available as a one-time plan or a scoped project with a clear deliverable. Ongoing planning is included at no extra charge when we also manage your investments.
Start with the question in front of you.
The first conversation is 30 minutes. No preparation needed.
Meet with us