Our Services

Two Ways to Work Together

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 build fully custom portfolios based on your unique situation, goals, and risk tolerance. Every investment decision considers tax implications, with special attention to tax-efficient withdrawals and location optimization.

Retirement Income 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.

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.

Ongoing Partnership

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.

Investment Fee Structure

  • 1.00% annually: $0 - $2,000,000

  • 0.75% annually: $2,000,001 - $5,000,000

  • Negotiable: $5,000,001+

Financial Planning

For those building their nest egg or with specific financial questions, we offer targeted advice on an hourly basis.

Retirement Readiness

Evaluate whether your savings and investment approach will support your desired retirement lifestyle. We'll identify gaps and recommend specific strategies to address them.

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.

Investment Review

Investment
Review

Analysis of your current portfolio with recommendations for improvements in diversification, tax efficiency, or risk management.

Hourly Fee Structure

  • $300 per hour

  • Typical comprehensive plan: 5-10 hours

  • Targeted advice: 2-4 hours

Which Service Is Right For You?

Most clients begin with a financial planning engagement to experience our approach and receive immediate value. Those who appreciate our philosophy and meet our minimum often transition to wealth management for ongoing support.

Schedule a complimentary consultation to discuss which option best fits your needs and goals.