Even before retirement, we look around the corner and plan ahead for career transitions, sabbaticals, starting your own business, major purchases, marriage, adoption, children, and aging parents.

We then develop an action plan to build your retirement accounts in the most tax-efficient way possible, as well as a strategy for how to withdraw and create your retirement income in a way that minimizes your tax bill. We make sure you understand and effectively utilize complex government programs such as Social Security and Medicare (IRMAA).

We examine and reveal forward-looking, tax-efficient opportunities within your financial world, including Roth conversion strategies, tax gain and loss harvesting, deductions and credits, taxable income control, and asset location.

We custom design recommendations and can manage a diversified portfolio which helps you accomplish life goals, considering your risk capacity and risk tolerance, and your investment time horizon.

Right-size your emergency fund and review risk management tools such as life, disability, health, long-term care, property, and liability insurance to appropriately align them with your personal financial risks – without being sold products.

Additionally, we want to understand the true benefits of your employment beyond compensation, including a full review of your employee benefits package, qualified retirement plans, deferred compensation, and group insurance options.

We develop an intentional plan to protect those you love and direct assets by reviewing account titling, beneficiary designations, last wills, trusts, appointed guardians, and/or powers of attorney.

Together, we review the causes you care about, and plan for charitable donations in the most efficient way possible.