Every other number in the plan depends on this one.
What we take off your desk.
You bring it to us once. After that it is ours to track.
Retirement planning and income.
We determine your precise retirement age and spending goal, structure the exact sequence of your income streams, and time your Social Security election to complement your complete financial picture.
Budgeting and cash flow.
We evaluate your current cash flow, bring clarity to your day-to-day spending, and build a structured budget that supports your immediate priorities while keeping your long-term goals on track.
Investment management.
We design well-diversified, cost-efficient portfolios tailored to your specific timeline—ensuring you always understand the purpose and strategy behind every investment you own.
Tax-efficient planning.
We take a tax-efficient approach to modeling withdrawal sequencing, evaluate Roth conversion opportunities, and coordinate charitable giving strategies – managing potential IRMAA Medicare surcharges before they impact your income.
Insurance and risk management.
We analyze potential threats to your wealth and put the right protective measures in place to safeguard your financial plan against life’s uncertainties.
Business and executive planning.
We help business owners plan an exit or the sale of a business, and design 401(k) and other employer retirement plans.
Legacy and multi-generational planning.
We help families structure how wealth passes from one generation to the next, along with charitable giving and estate and legacy goals.
What happens before we recommend anything.
In order. We do not recommend anything until we have understood your life and run the numbers.
Understand.
The first meeting is about your life. This is where the spending picture starts.
Plan.
Amy builds the plan before the meeting so the advisors arrive with the numbers already run.
Implement.
Once you have reviewed the plan and we have adjusted it, we put the recommendations in place.
Review.
Plans age. We revisit yours as markets move and as your life changes, and we keep what is already working.
Designed for the decades you spend the money.
The mix of investments matches your timeline, and it changes as that timeline shortens.
We diversify to reduce potential risk and favor low-cost funds, because cost is one of the few things in investing anyone can control. We build the portfolio around your goals, your timeline and how much volatility you can live with, then stress-test it against poor markets.
Diversification does not ensure a profit or protect against loss in a declining market. Planning projections are hypothetical, do not reflect actual investment results, and are not a guarantee of future results.
