Our Services
Financial Planning
We’ll envision your future through a financial lens, and develop a detailed plan for how to realize it.
Financial planning is about more than just investment allocation. It means understanding your life goals on the deepest level. Family dynamics, real estate objectives, incomes and outflows, and retirement horizon all play major roles in developing your financial plan. Everyone’s plan is unique; thorough, continuous collaboration is essential to the process.
Investment Management
We’ll put your money to work in low-cost investment vehicles, balancing your risk tolerance and capacity in a tax-efficient way.
We can answer any and all questions related to your investment preferences, and design an investment strategy that matches your income, expenses, life goals, and more. As fiduciaries, we don’t make money on commissions or products; all of our investment advice is exclusively designed to help maximize your portfolio.
Tax Planning
Simply put, we’ll craft your plan so that you pay as little in taxes as possible.
Income, marital/family status, real estate ownership, state of residence, and more can all have an impact. Tax planning also includes your charitable inclinations — we look at when to give, how much to give, who to give it to from a tax perspective.
Retirement Planning
Whether you want to retire at 35 or 75, we’ll put you on the right track.
Some people want to retire late, and spend more. Others want to stop working sooner, and live a simpler lifestyle in their golden years. Depending on your goals, your income, and your desired lifestyle, we can help design a retirement plan fitted to your needs.
Equity Compensation Strategies
Getting the most out of your stock options and restricted stock units. Includes:
○ Incentive Stock Options (ISOs)
○ Non-qualified Stock Options (NQSOs)
○ Restricted Stock Units (RSUs)
○ Employee Stock Purchase Program (ESPP)
Many of our clients have compensation plans that include stock options and/or restricted stock units. Clients often have a general understanding of how they work, but need clarification on the nuances, and advice on how to maximize their value. Selling options at the wrong time could mean adverse tax implications, or losing tens of thousands of dollars (or more) outright. This can all be avoided with proper planning — and we’re always happy to educate our clients along the way. (Want to dive deeper? Click here.)
Behavioral Coaching
Helping you make good decisions, especially when times are tough.
Throughout our relationship, we’ll keep you focused on your goals, adjusting your plan as your priorities change. This is especially important when the markets seem unstable, and when life’s most consequential decisions come your way. In stressful moments, we all benefit from an objective third party helping us see the light at the end of the tunnel. That’s what behavioral coaching is all about — we meet you where you are, and act as a voice of reason in challenging moments.
Insurance Guidance
We don’t sell insurance, so we can give unbiased input on what kind of coverage is appropriate.
We’ll advise you on whether you need insurance, and, if you do, what’s right for you. If you do end up needing it, we can always connect you with reputable people who can facilitate the process.
Estate Planning
Deciding who gets your money, and making sure they pay as little in taxes as possible.
This includes lifetime giving, beneficiary selection strategies, and more. We all have values, and we all want to leave behind legacies that are manifestations of those values. By making sure your money is transferred efficiently to the family members and/or organizations most near and dear to your heart, you are taking care of the things that matter.
Whatever your financial objectives, the benefit of working with us is that our plans are always custom-made, fitted to your exact specifications. If what you need isn’t covered here, give us a call, and we can discuss.
*In some cases, our services require assistance from third parties — attorneys, CPAs, insurance professionals, etc. If we need to coordinate with someone else, we can work with your existing professionals or recommend someone reputable.