Our goal is not only to help you grow your financial wealth. It’s to help you create a life you can be truly proud of.
We see money as a tool, not a destination.
Before we discuss your numbers, we focus on your life and your values. We'll explore:
Your personal experience and history with money
Who matters most in your world
What makes you feel energized and inspired
Where you picture yourself thriving
Sources of meaning and purpose in your life
We will work together to craft a vision for your future that feels motivating and authentic, then create customized plan to transform that vision into reality.
Our goal is not only to help you grow your financial wealth. It’s to help you create a life you can be truly proud of.
We all know that managing cash flow and debt is crucial to our financial health, but the process can be daunting. We will help you come up with a simple system to keep track of what you spend and owe.
We help you optimize the way money flows in and out of your life:
Track and analyze your current spending and saving patterns
Identify areas for improvement and efficiency
Create a realistic budget that aligns with your goals
Develop effective strategies for debt management
Whether you're dealing with student loans, considering a mortgage, or looking to increase your investment contributions, we provide clear, actionable advice.
We'll help you prioritize debts and understand when borrowing can be a sensible financial move. Our approach is practical, actionable, and judgment-free.
Our aim isn't to restrict your spending, but to ensure your spending is in line with your values and your goals. We'll help you balance immediate needs with long-term objectives, creating a plan that's both effective and sustainable.
We believe your path to retirement should be as unique as you are.
For some, the traditional path to retirement works very well. For others, it just isn’t a good fit. We're here to help you think beyond the conventional "9-to-5 'til 65" approach. Your ideal future might involve:
An early exit from a high-pressure work environment
A mid-career downshift to balance work and time with family
A shift into entrepreneurship or a different career path
A phased retirement over multiple years
Building a career that you don’t want to retire from
We bring financial expertise and thought-provoking questions to the table. You bring your boldest ideas and an open mind.
Together, we will:
Explore what's possible given your financial status
Choose a path that aligns with your family's goals
Create a clear plan to move forward with confidence
Every parent wants to set their children up for future success. For many, this means preparing to make a significant investment in your child’s education. We help you navigate this complex landscape with intention and foresight.
Our approach to education funding includes:
Projecting total education costs, from private K-12 through college
Exploring tax-advantaged savings vehicles like 529 plans
Creating strategies to manage private school expenses
Coordinating grandparent contributions to education funds
Balancing education savings with your other financial goals
We continuously refine your education funding strategy as your family grows, costs change, and tax laws evolve.
Beyond education, we also assist with other family gifting strategies. This may include annual gifting plans, preparing for large one-time gifts (such as help with a down payment), or exploring more complex trust arrangements. We help you navigate these options to support your family while optimizing tax efficiency.
With our guidance, you can approach your family's financial future with a sense of clarity and confidence, ensuring your gifting aligns with your overall financial plan.
Our approach to philanthropy is designed to align your giving with your values and maximize the effect of your generosity.
Our philanthropic planning services include:
Exploring your values and identifying causes that resonate with you
Developing a strategic giving plan that aligns with your overall financial goals
Educating you on various giving vehicles
Analyzing the tax implications of different giving strategies
Assisting with the creation and management of a family giving plan
Whether you're interested in making regular contributions to your favorite causes or leaving a lasting legacy through your estate, we're here to help you make informed decisions about your philanthropic efforts.
We can also connect you with reputable organizations and causes that align with your values, ensuring your generosity has the greatest possible impact.
Remember, philanthropy isn't just for the ultra-wealthy. We believe that everyone can make a difference, and we're here to help you find the most meaningful and effective ways to give back, regardless of the scale of your contributions.
Our investment process begins with you. We will ask questions to understand…
Your goals
Your timeline
Your tolerance for risk
Your preferences
Your values
From there, our philosophy is simple: focus on the long game, stick to evidence-based strategies, and keep costs in check. We partner with Schwab and Altruist to ensure your assets are in safe hands.
But we don't stop at the accounts we manage directly. Need help optimizing that 401(k)? We're on it. Our aim is to create a cohesive strategy across all your investment accounts.
Ultimately, we want you to feel confident that your investment portfolio is a reflection of who you are and what you are hoping to achieve with your life and your wealth.
Equity compensation can be a powerful tool for building wealth, but it comes with unique complexities. We're here to help you navigate this important aspect of your financial life.
Our approach to equity compensation includes:
Educating you on different types of equity awards (e.g., stock options, RSUs, ESPPs)
Analyzing the potential value and risks of your equity compensation
Developing strategies for exercising options or selling RSUs that align with your overall financial plan
Advising on portfolio diversification to manage concentration risk
Providing tax planning strategies specific to equity compensation
Integrating equity awards into your broader financial picture, including retirement planning and other financial goals
We aim to help you maximize the benefits of your equity compensation while managing the associated risks and tax implications. Our goal is to ensure that your equity awards enhance your overall financial well-being and align with your long-term objectives.
Whether you're new to equity compensation or have been receiving it for years, we're here to provide clarity and help you make informed decisions.
Smart tax planning isn't just about this year's return—it's about minimizing your lifetime tax liability.
While we don't prepare tax returns, we work closely with skilled accountants to ensure your financial planning and tax strategy are in sync. We're happy to recommend a trusted tax professional if you need one.
Our role is to help you lay the groundwork for long term tax-efficiency through strategic planning. We focus on:
Optimizing contributions to tax-advantaged accounts
Design and implementation of tax-efficient investment portfolios
Considering Roth conversions when beneficial
Exploring tax-loss harvesting strategies in your investment accounts
Navigating the tax implications of major life changes
Identifying ways to save on taxes that are often missed
Our goal is to integrate forward-looking tax planning into every aspect of your financial plan.
We stay current on tax law changes, translating complex regulations into actionable strategies for your specific situation.
Remember, paying less in taxes means more money working toward your goals.
A thoughtful estate plan is crucial for everyone, regardless of net worth. Estate planning secures your legacy and provides peace of mind for you and your loved ones.
We collaborate with experienced estate attorneys to align your financial life with carefully drafted legal documents. Our role is to guide, educate, and coordinate.
Key areas we'll address include:
Options for transferring wealth to minor children that promote financial responsibility
Strategies to potentially reduce estate and gift taxes
Aligning your asset titling and beneficiaries with your estate plan
Choosing a legal guardian for your children, if applicable
We can offer referrals to trusted attorneys, accountants, and other professionals to build your wealth and estate planning team.
Our goal is for you to feel supported throughout the estate planning process while ensuring thoroughness and follow through.
While attorneys handle preparation of all legal documents, we prepare you for these discussions and integrate your estate plan into the rest of your financial plan once it’s completed.
We want you to feel safe and secure in the knowledge that you have a plan in place to safeguard against the unexpected.
Our approach to asset protection and insurance was created to protect what (and who) matters most to you. We will:
Assess your current coverage and identify potential gaps
Recommend appropriate insurance types and levels
Review policy details to ensure you're not overpaying
Explore strategies to protect your assets from potential legal claims
We will address various protection needs, including:
Life insurance to protect your loved ones
Disability insurance to protect your income
Property and casualty coverage for your home and valuables
Liability protection to safeguard your assets
Our goal is to help you make informed decisions about your coverage. As fee-only advisors, we don't sell insurance products, but we will gladly refer you to someone we trust who does.
Let’s have a no-obligation conversation to see if we’re a good fit to work together.
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Your big goals. Our expertise. Let’s see what’s possible through collaboration.
Just wait ‘til you see the views from up there. You’re going to love it.