Comprehensive

Financial Planning Services

We excel at the work we do to empower the work you do.

Financial Planning

What does success look like for you next quarter? Next year? In a decade? Our team is devoted to helping you continually rediscover and redefine your goals as you meet them. We will always work collaboratively with you, ensuring your resources are being used where they will have the greatest impact.

How we begin to help through financial planning:

  • Developing and envisioning financial and life goals. 

  • Alignment of spending with values and goals. 

  • Offering peace of mind by tracking financial life.

  • Analysis of changing jobs or salary negotiations. 

  • Analysis of ways to provide financial support for adult children or aging parents.

  • Financial coaching for implementation of a plan. 

  • Planning for a sabbatical.

  • Planning for an international move. 

  • Creating a total debt payoff plan. 

  • Mortgage analysis when buying a home.

  • Funding strategies for education.

  • Analysis of current insurance policies.

  • Workplace open enrollment period benefits planning.

  • Curation of insurance professionals.

  • Analysis of how much to contribute to retirement accounts.

  • Considering Backdoor and “Mega” Backdoor Roth IRAs.

  • Retirement cash flow analysis. 

  • Safe withdrawal rate analysis and retirement income strategies.

  • Business succession planning. 

  • Federal and state estate tax planning and analysis.

Investment Management

Your investments are among your greatest assets. A properly managed portfolio contains rocks in times of uncertainties and calculated risks with potential to return transformational wealth. But investment portfolios are not a one-size-fits-all prospect. We tailor a strategy for you, aligning it with your risk capacity, account size, and future funding expectations.

How we begin to help through investment management:

  • Crafting an investment strategy.

  • Asset allocation analysis and adjustments. 

  • Asset location optimization.

  • Maximizing incentive stock options and non-qualified stock options.

  • Employee stock purchase plan analysis.

  • Coordinating around employer blackout trading periods.

  • Crafting and executing 10b5-1 plans.

  • Handling concentrated stock positions.

  • Managing risk through diversification. 

  • How to invest an inheritance or windfall.

  • Moving to lower-cost investments.

  • Rebalancing execution.

  • Rental real estate analysis.

  • Withdrawal strategies.

Tax Planning and Return Prep

We solve your tax needs by completing returns and running tax projections to efficiently identify opportunities to boost after-tax wealth over time. Given our deep understanding of your financial goals, we’re able to illustrate the tax implications of your potential life changes entirely in house — no running around to different specialists to get all of your tax questions answered.

How we begin to help through tax planning and return prep:

  • Adjusting strategies for changes in tax policy. 

  • Adjusting tax withholding and allowances.

  • Analyzing options to maximize QBI deduction. 

  • Capital gains harvesting analysis. 

  • Charitable giving location planning.

  • Roth conversion analysis.

  • Standard and itemized deduction analysis.

  • Stock option planning.

  • Strategies for accelerating or deferring business income.

  • Tax bracket management and 0% gains harvesting.

  • Tax credit analysis and opportunities. 

  • Tax loss harvesting analysis.

Comprehensive Financial Planning Pricing

We charge a recurring quarterly fee, paid in advance, of $1,200 for individuals and $1,500 for couples for financial planning. Our annualized investment management fee is based on a percentage of assets under management according to the following fee schedule:

• $0 - $1,000,000: 0.90%

• $1,000,001 - $3,000,000: 0.80%

• 3,000,001 - $6,000,000: 0.70%

• $6,000,001 - $10,000,000: 0.60%

• $10,000,001 and above: 0.50%

For households with $750,000 or more in assets under management, the quarterly financial planning fee is waived.

See what difference a year can make.

Let’s get started.

There’s no better way to begin a working relationship than an actual conversation with real human beings. Use the scheduler below to pick a time that is convenient for you. We’ll get to know you and you can ask our team any questions you may have.

If it’s a good fit, we can move forward discussing which of our services make the most sense for your situation and goals.