Planning & Investments
My Approach
After working for the larger financial institutions, I noticed a pattern; too many advisors managing too many clients, relying on generalized, one-size-fits-all advice. It rarely considered each family’s unique needs. By working with a select number of households, I’m able to take the time to listen, understand what matters most to you, and build a plan that truly fits your life.
Together, we’ll coordinate every area of your financial plan so your investments, taxes, and long-term priorities all work in together.
Planning
Financial planning should connect all the pieces of your life, not just your portfolio. I’ll help you create a personalized plan that guides every major decision—covering taxes, income, and estate planning.
Tax Planning
Tax planning is one of the best ways to keep more of what you earn in retirement. I take a proactive approach by reviewing your tax returns, coordinating income, and making sure your investments are in the right accounts. When it makes sense, we’ll also explore strategies like Roth conversions or tax-efficient gifting.
Retirement Income Planning
We’ll design a clear strategy for spending in retirement. Coordinating account withdrawals, pensions, and Social Security to make the most of what you’ve earned.
Unbiased Advice
As an independent, fee-only advisor, my only priority is what’s best for you. I don't represent a product, and I never earn any commissions. Just objective guidance.
Secure Client Portal
You’ll have a private online portal to view your plan, track investments, and access key reports anytime.
Personalized Approach
Every recommendation is tailored to your goals and priorities. My role is to help you feel informed and confident in each decision we make together.
Investments
Your investment plan should reflect your goals—not the latest market trend. I use an evidence-based approach, building portfolios primarily with low-cost funds from trusted providers such as Vanguard.
Own Tax-Efficient Investments
Taxes are easy to overlook when investing because they show up buried in your tax return rather than on your investment statements. I focus on helping you keep more of what you earn by using the right types of accounts and choosing investments with your tax bracket in mind. In the end, it’s not just what your portfolio earns, but what you get to keep.
Own Investments with History
Not all investments are created equal. I build portfolios using traditional investments like stocks and bonds. While there’s always something new and “shiny,” I prefer investments with a long track record and academic research to support the decision.
Monitoring and Rebalancing
Over time, markets shift and life changes, which can throw your portfolio out of balance. By monitoring and rebalancing when needed, we keep it aligned with your financial plan. When you take withdrawals or when some investments rise while others fall, we rebalance to keep everything on track. This disciplined approach helps maintain balance and reduces the impact of market swings.
Prepare, Don’t Predict
Because down markets are expected (but their timing is uncertain), it is important to prepare both mentally and financially. This can be achieved by properly aligning the risk of your portfolio and having the right expectations - both of which we will evaluate together.
