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Tailored Financial Planning

Our financial planning and financial advisory services start with understanding your situation and developing a written list of your
goals and concerns. From there, we cover a wide range of financial planning issues in an integrated fashion.

Retirement Planning

Whether you are already retired or planning
to retire, you want to know how long
you can sustain your desired level of
spending and what changes need to be made.

Income Tax Planning

Consulting to spot tax-minimization
opportunities by reviewing your current situation and by preparing forward-looking cash flow and tax projections

Investment Advisory

We review your current asset allocation and investment choices across all your investments and discuss any hidden fees that you may be paying.

Estate Planning

Getting clarity on your estate planning documents and beneficiary designations is critical – it is too important to ignore.

Risk Management

Having the right amount of insurance determined by an objective review will help protect your assets without overpaying for insurance that may be “sold” to you.

Life Planning

Planning is much more than just looking at numbers. Life-integrated planning involves exploring living an intentional life with the financial clutter in the rear-view mirror.

Investment Management

Matching Approach To Asset Allocation

Your investment asset allocation is tied to a variety of your goals, including your cash flow needs in retirement.

Evidenced-based Investing

While staying diversified, we seek to tilt our allocations for favorable long-term returns.

Ties To Your Financial Plan

Your situation is unique. Your investment management program should tie to your unique needs and evolve as your situation changes.

Act As A Fiduciary

As fee-only fiduciary advisors, we have chosen to put our clients' interests first. It is more than a legal standard – it is how we think clients should be treated.

Index-investing With A Twist

Low-cost approach that lies between passive investing and active investing.

Education And Behavioral Coaching

We value our role as teacher so that you will have confidence in the long-term strategy. To avoid the mistakes that so many do-it-yourselfers make during market volatility, you receive coaching along the journey.

I would rather be in a superb meteor, every atom of me in a magnificent glow than in a sleepy and permanent planet…I shall not waste my days in trying to prolong them; I shall use my time.

- JACK LONDON



Service Offerings

We offer a range of service options. Individuals and families looking for more support choose our ongoing Wealth Management
Services. With these services, you will work closely with us through life’s changing circumstances and receive professional
management of your portfolio. We also offer our financial planning services as a stand-alone service. Our Wealth Planning Services
are meant for those that want ongoing comprehensive financial planning for life's changes without investment management. Finally,
we offer an assessment for those who need to determine their readiness for retirement.

Retirement Readiness
Assessment

Short-term Financial Planning

Foundational Areas*

Financial Model and Cash Flow Projections;  
Retirement Analysis

Tax Strategy Overview

Asset Allocation Advice






Wealth Planning Services
(Ongoing)

Ongoing Financial Planning

Foundational Areas*

Financial Model and Cash Flow Projections; 
Retirement Analysis

Tax Strategy Overview

Asset Allocation Advice

Tax Planning with Year-End Analysis

Other Core Areas (Estate Planning, 
Insurance, etc.)

Life-Focused Planning

Ongoing access


Wealth Management
Services (Ongoing)

Ongoing Financial Planning + Investment  
Management

Foundational Areas*

Financial Model and Cash Flow Projections; 
Retirement Analysis

Tax Strategy Overview

Asset Allocation Advice

Tax Planning with Year-End Analysis

Other Core Areas (Estate Planning, 
Insurance, etc.)

Life-Focused Planning

Ongoing access

Investment Advisory Services

*Foundational Areas = Written List of Goals, Net Worth Statement, Emergency Fund, Debt Analysis, Education Funding, Employee Benefits, etc.

Fee Schedule

Retirement Readiness
Assessment

$3,000 - $6,000

"I want an initial assessment of whether I am on
track. I want to know what gaps exist and what
opportunities are available."

Wealth Planning
Services (Ongoing)

Year 1: $5,000 - $15,000
Year 2: $4,000 - $$10,000

"I am looking for a long-term partner that will guide me and coach me through life's changes."

Wealth Management
Services (Ongoing)

Year 1+: $2,000 - $10,000 + Investment Management
Fee Schedule

"I want a long-term partner that will guide me
through life's changes and manage my investment
portfolio."