Services

Financial Planning

Financial planning is certainly about modeling and forecasting, but should also be about reducing assumptions.

Assumptions create chaos. Our process is objective and data-driven, yet reflects the boundaries and requirements of your personal goals. This all sounds fancy and complex, but all you have to do is get a bit organized and upload (as best you can) some data into an encrypted vault, we do the rest.

Why is this critical? Read all about it here! Or reach out, even better. I’ve used a ton of planning software on my journey - E-Money, Money Guide Pro, and Right Capital is miles apart from the rest. So user friendly, robust, yet easy to understand. I do all the heavy lifting, but I want tools that make sense to my clients. My clients are my family.

Tax Planning

We seek to increase clients’ overall wealth position through tax alpha. Every dollar deferred or eliminated from taxes optimizes total wealth. We’ve spared no expense on the most up to date/award winning software to assist in adding true value when planning out the future.

Making use of efficient tax strategies now, we can model and harness the power of compounded tax-savings long-term.

That’s a bland statement, but some of this comes down to something as simple as asset location. We don’t want fixed income (bond/debt) securities paying out Income every month in a taxable account, when we could be sheltering these in qualified accounts (IRA’s, 401k’s, and many more). Let’s be more prudent and collaborate on better methods, because I hate taxes just as much as you. I wish I had a nickel for every client I met with a Muni bond fund inside a Traditional IRA. Trust me, there’s always value to add, and we’ll keep track of it.

We incorporate a time-tested, top-down investment approach that customizes based on your need for growth vs. protection, your ability to tolerate market fluctuation, and the cyclical nature of capital markets.

Sounds bland right? We need to cut costs so that more can compound over time and be tax efficient along the way. Click on that link for a good up to date technical explanation of tax alpha, or, once again, just reach out! This is complex stuff, but it works.

“All strategies demonstrate value added by tax management at the 10-year horizon. Incremental after-tax active return range from 1.50% per year for Quality to 2.16% for the index strategy, which consistently had the highest average tax alpha.”

1-2% in additional tax savings? We’ll take it if we can get it. It’s not guaranteed that we always will, but I’ll show you how were maximizing efforts. Imagine just that small amount compounding over 20-30 years. It also pays for advisory fees, if we can get it. Problem is, alpha moves inversely with capital gains rates, so may not be for everyone. You can check out CFA Institute’s commentary in one of many studies here:

Investment Management

Estate Planning

Some of the questions I’ve received over the years include —

“How do I avoid probate?”
”Should we place our house in trust?”
”Will my heirs be burdened in any way after I pass?”
”Do I need an attorney?”

Whether you’re a business owner, have a large family, or are an individual saver, creating a will is typically not the desired method of transferring wealth. We seek to ensure efficiency and reduce inconvenience and costs to you, your heirs, and your overall estate.