Financial Planning
Wherever your goals lead, we can help you reach them and ensure you're ready to embrace the next phase with confidence and ease.
- We will help you organize all your finances to understand where you stand.
- Then, we create and monitor a complete financial plan to provide a framework for quantifying financial decisions.
- Provide proactive guidance on all financial matters, including decisions on claiming Social Security, pensions, portfolio withdrawals, required minimum distributions, tax saving strategies, insurance needs analysis, charitable distributions, healthcare, and estate planning.
Tax Planning
While our clients are patriotic, they aren’t interested in paying more than their fair share in taxes.
- We will review your tax return annually - working on reducing your tax liability now and in the future, including tax bracket management, adjusting tax withholding, Roth conversions, optimizing and coordinating income with tax-sensitive items (e.g., Medicare premiums and capital gains taxes)
Investment Management
Our investment philosophy is grounded in Nobel Prize-winning academic research. The benefits for you: peace of mind and better odds of long-term investing success.
- Acting in a Fiduciary capacity (i.e., in your best interest).
- We will implement a tax-efficient, cost-effective investment strategy grounded in Nobel Prize-winning academic research using mutual funds and ETFs from Dimensional Fund Advisors (some of which are not available to retail investors).
- Aligning your investments with your goals and risk profile to ensure you have the highest probability of achieving your goals.
- Reviewing your portfolio, making adjustments as needed, such as rebalancing, tax loss harvesting, maximizing tax efficiency, and reducing costs.
Hypothetical example assuming 7% return on a $2 mil. portfolio
0.96% advisory fee vs. $8,000 flat fee.