We serve as your personal Chief Financial Officer and partner for managing all things related to your financial life.
This goes beyond just investing to include financial planning and coordinating with your “team of experts,” such as your accountant, estate attorney, and insurance agent. These services are all included as part of the one transparent fee you pay.
Wealth Management
Financial Planning
Financial planning is a dynamic – and highly personalized – process that adapts and adjusts with you over time.
The starting point is a comprehensive plan that serves as a foundation and is customized to address all aspects of your financial life. This provides an understanding of where you are today and what must be done to achieve your goals.
From there, our job is to simplify and prioritize the plan into actionable steps that we help you implement over time. As life inevitably changes, we proactively monitor your plan and make adjustments as necessary.
Investment Management
We manage your investments in a way that aligns them with your financial goals and maximizes your odds of achieving those goals.
Investment management is not a standalone activity, but rather one that's closely linked to your financial plan. If the financial plan is the “blueprint” for your financial and life goals, investment management is the tool for executing the plan.
Our investment approach is disciplined, evidence-based, and built on a set of core principles that are backed by decades of academic research.
Team of Experts
As your personal Chief Financial Officer, we help you coordinate and work with other professionals (accountants, estate attorneys, insurance agents, etc.). This not only saves you time and effort, but also ensures a better outcome when everyone is working together in a coordinated manner.
We know how time-consuming it can be to find and evaluate other service providers, which is why we've vetted a team of independent professional partners (no financial relationship) to work with our clients. Of course, if you have existing professionals you enjoy working with, we're happy to collaborate with them as well.
Financial Planning Areas We Cover
Tax Planning
Are there ways to reduce my current taxes that I'm not utilizing? Should I be doing any year-end tax planning? Can I do anything to lower my future tax burden?
Cash Flow and Savings
Am I saving enough? How should I prioritize my different savings goals? Am I using the best account type for each goal?
Retirement Planning
Can I afford to retire? What’s the best way to create a “paycheck” from my various investment accounts and income sources?
Debt Management
Should I go for student loan forgiveness or refinance my loans? What size mortgage can I afford and what type should I choose? What's the best way to finance home renovations?
Insurance Planning
What types of insurance do I need? How much insurance coverage should I have? Should I adjust my insurance over time?
Estate Planning
What are the best ways to protect my assets from a lawsuit? If something happened to me today, what would happen to my assets? When should my estate plan be updated?
College Planning
How much should I be saving for college based on what I want to pay for? What’s the best way to save? Should I use a 529 plan?
Employee Benefits
Am I efficiently using all the benefits available to me? What things should I evaluate when considering a new job opportunity?
Charitable Giving
What’s the most tax-efficient way to make charitable donations? Are there other ways to make gifts, apart from giving cash?