Our Services

  • We’ll help you answer questions like, “How much do I need to retire?”, “When can I retire?”, “How much income can I count on?”, and “How can I put it all together by coordinating income streams, increasing tax efficiency, and managing my portfolio risk?”

  • It may be uncomfortable to face, but every business owner will exit their business at some point. The question is, will you be ready? We’ll help you understand your 3 gaps (your wealth gap, your profit gap, and your value gap). We’ll then align your personal, financial, and business goals as we work to unlock the value trapped in your business.

  • Our process will get your investments aligned with your personal situation and goals, manage portfolio risk, and make sure your money is working efficiently for you and your family.

  • You’ll get answers to questions like, “Which investment vehicles are most tax-efficient for my situation?”, “How can I maximize my tax bracket?”, and “Are there legal ways to lower my tax tax bill?”

  • You’ll get help with questions like, “Am I protected from common retirement mistakes?”, “Is my portfolio invested appropriately?” and “What about healthcare/long-term care?”

  • We’ll help you think through a trust vs a will, and make sure your beneficiary designations align with your wishes. Our trusted attorney referrals will draw up the legal documents, but we’ll address estate planning together in our process.

  • If you’d like more investment flexibility, distribution planning, and investment management (and it makes sense for your situation), we’ll help you move retirement funds to appropriate accounts like an IRA or Roth IRA.

  • We’ll work on questions like, “When should I turn on Social Security benefits?”, “What if something happens to me (or my spouse)?”, and “How do I maximize guaranteed income so I worry less about other investments?”

  • We’ll implement this if it makes sense and answer questions like, “How can I maximize my current tax bracket?” and “How can I pay less taxes over my lifetime?”

  • We can help you answer questions like, “Are all annuities bad?” and “How can I get pension-like income for (a portion of) my core expenses?”

Big picture, here’s a sketch of what we’re trying to do.

Here’s how we’ll do it.

This is what it’ll feel like.

Here’s how we can work together

Strategy
Session

This is a 60-minute session laser-focused on helping you achieve your goal(s). Past clients have used it for portfolio reviews, Social Security timing questions, or running projections. Your investment is $350 per session and includes email support for follow up and Q&A.

Book Strategy Session

For Business Owners

We’re building a process specifically for our business owners to engage with us for ongoing integrated personal, financial, and business planning. Additional details coming soon on how you can work with a CEPA®.

Coming Soon!

For Pre-Retirees and Retirees

This is our integrated approach to wealth preservation, including retirement income, risk management, investment management, tax planning, and estate planning. Starts at 0.99% AUM (assets under management) and moves down with higher asset levels.

Book Intro Call

What to expect when we’re getting started:

  • For pre-retirees and retirees: start with an intro call. We’ll share some time together (and maybe a coffee) and explore where you are, where you’re going, and whether we may be able to help in the process. Click here to book when you’re ready. For fellow golfers out there, we can do this on the golf course if you prefer — text 469-200-2593 to book a tee time.

    During the intro call we’ll ask some questions and we know you’ll have some for us, too. Our goal is to get to know you and make sure we can help. We’ll move to the next step (The Clarity Session) only if we can help (and you want us to help). If we can’t help, we’ll do our best to get you in touch with someone who can.

  • The intro call has no cost (other than your time). It generally lasts 20-30 minutes, but each call will vary in length and content based on your unique situation.

  • The next step is The Clarity Session if we both feel good about moving forward. In this session we’ll further explore where you are and your ideal future — this time we’ll put more context and numbers around your situation. From here we’ll send you a 1-page plan with our top line thoughts and how we would work together (should we both choose to move forward).

  • We won’t pressure you to become a client after The Clarity Session. It’s our job to walk you through your options, much like we would if we were working together.

  • There is no prescription until we have a diagnosis. Every family comes to us with different needs and desires for their future, so we’ll need to customize how we work together in the wealth management engagement. In general, we have a framework for our work together, but ultimately each family is different and the specifics will depend on your unique situation.

Frequently Asked Questions

  • You can schedule a no-obligation Intro Call here. We’ll simply enjoy a coffee, get to know each other, and see if we’re a good fit to work together.

  • We’re a fee-only firm, so we charge one transparent fee to our clients. The fee exists (whether for a one-time Strategy Session or for ongoing Wealth Management) so that we can deliver independent, unbiased recommendations. We do not accept commissions of any kind and we strive to reduce conflicts of interest when and where we can. We do not want to be thinking about “selling” you on products like insurance, annuities, or proprietary investments. For us, financial products are tools in the toolbox, not the way we get paid.

  • We manage assets at Charles Schwab and offer pension-like income options with third party vendors.

  • We use evidence-based investing strategies (like the kind Warren Buffett championed when he said, “The stock market is a wonderfully efficient mechanism for transferring wealth from the impatient to the patient.”) In general, we want to be owners, not loaners, and we’ll use a bucket system approach to help us stick to the long-term plan.

  • No. In-person meetings are great, and we do that regularly. We also work virtually with many of our clients via zoom, phone calls, and review videos to keep you up to date.