Services
Two Types of Services
We offer two distinct service models designed to meet your needs at different stages of your financial life. Both reflect our commitment to independent, objective advice without product sales or hidden agendas.
Wealth Management
Our comprehensive service combines sophisticated investment management with unlimited financial planning for clients with $1 million or more in investable assets.
Active Investment Management
We design and oversee diversified, risk-controlled portfolios built specifically for wealth preservation and retirement income distribution. Grounded in analytical discipline, we handle continuous asset allocation, systematic rebalancing, and tax-loss harvesting so your portfolio remains resilient across economic cycles.
Mortgage Planning
Direct access to both of us whenever financial questions arise. We're readily available for questions, guidance, and regular check-ins to ensure your financial plan evolves with your life. Your relationship is with us personally, not a revolving team of advisors.
Tax Strategy
We help navigate Medicare IRMAA brackets, identify the optimal order for account withdrawals, and implement tax-efficient investment strategies. Our proactive approach keeps more money in your pocket and less going to taxes throughout retirement.
Retirement Planning
Using advanced tools, we monitor your spending levels monthly to ensure your retirement stays on track. We implement tax-efficient withdrawal strategies across your various accounts, optimizing which assets to tap and when for maximum longevity.
Financial Planning
For those building their nest egg or with specific financial questions, we offer targeted advice on an hourly basis.
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Retirement Readiness
Detailed modeling of your nest egg, Social Security timing, pension alternatives, and safe withdrawal rates to ensure your savings last a lifetime.
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Major Financial Decisions
Get objective guidance on significant choices like when to claim Social Security, whether to pay off your mortgage, or how to fund long-term care expenses.
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Investment Review
Analysis of your current portfolio with recommendations for improvements in diversification, tax efficiency, or risk management.
Hourly Fee Structure
For clients seeking targeted analysis or one-time project plans, we provide transparent, hourly and flat-fee pricing:
$300 per hour
Typical comprehensive plan: 5-10 hours
Targeted advice: 2-4 hours
Choosing the right advisory model depends on how hands-on you want to be with your investments and the level of continuous guidance you need:
Choose Ongoing Wealth Management if: You want a dedicated CFP® team managing your day-to-day portfolio, executing tax-efficient distributions, and actively adjusting your strategy as markets shift.
Choose Standalone Financial Planning if: You prefer managing your own trades and accounts, but want an objective, expert-crafted roadmap to validate your retirement readiness and tax strategy.