Services

As a fee-only firm, we are not paid a commission for selling financial products. That means we are objective when it comes to providing recommendations for your particular situation.

This also allows us to provide the advice you wouldn’t typically receive from other financial advisors. Whether you need help just getting organized or you need someone to provide a stock option execution strategy, we’re here to help.

We track several pieces of a financial plan that we measure on an ongoing basis and send you updates.

After we complete our initial strategy, we’ll be checking in to provide an update on investments, retirement plan changes, or cash flow needs.

This also gives your advisor a 360° view of your financial situation to continuously measure your financial health and provide accurate and precise advice when those unexpected life events arise.

Along with a real-time net worth summary, which you can always view on your dashboard, we will deliver quarterly net worth progress reports to show a historical view of your progress. The report includes a detailed breakdown of your assets and debts so it’s clear which factors are contributing to growth (or decline).

A retirement plan is one of the most proactive ways to reduce and defer taxes. For business owners, this could mean designing a retirement plan that will help you maximize your savings or just a great way to increase employee loyalty.

It’s important to get advice from someone who is not incentivized to sell you a retirement plan. In many cases, the timing and type of plan you establish will either accelerate your growth or hold you back. We will provide an independent voice of reason to help you understand all the options available in the marketplace—not just the ones available through a single provider.

As technology and service models change, the best-of-class retirement plans also change. We can work with your existing provider to enhance the investment selection and design of your existing plan, or we can recommend a more optimal solution with a new servicing partner that might be a better fit for your situation. The optimal design is often different depending on your business. Every year, we’ll continually analyze your retirement plan to see if we can increase your tax deductions. This is important as your personal income reach new levels and higher tax brackets.

Using a limited power of attorney, we will establish lines of communication with each of your professional contacts to request data and documents on a regular basis. In essence, we’ll be the quarterback of your service provider team and make sure your financial playbook includes the most up-to-date information from all the right sources.

This allows us to complete much of our analysis behind the scenes without disrupting your busy schedule.

You and your advisor will collaborate using real-time information. You’ll be able to view your account activity, assets, and debts in one place.

Instead of relying on assumptions, you and your advisor can make decisions much faster, using the most up to date information.

We don’t sell insurance, however, we will point you in the right direction if we think you have too little (or too much) insurance coverage.

We’ll take a look at your life insurance, personal disability, business insurance, and personal liability. Each of these policies will be reviewed on an annual schedule so we can make adjustments as your spending and net worth change.

Debt can be a major stressor. Between student loans, mortgages, and other things life can throw at you, the pile of debt can seem insurmountable.

Not only are we well-versed in student loan repayment strategies, we will show you how debt factors into your overall financial strategy and how to find the right balance between paying it down and saving for the future.

According to Vanguard, using the right kind of advisor can add 3% in net returns each year. We wish it were as easy as buying cheap index funds and putting things on autopilot, however, we believe in a combination of behavioral coaching, asset location, and proper rebalancing to ensure growth is maximized and taxes are minimized. Read Vanguard’s full report here.

We’ll be cautious as we analyze the tax impact of any changes, and start to position your portfolio with cost-effective investments and a highly disciplined approach that captures value across countries, companies, currencies, and real estate. Your tax rate, liquidity, cash flow, personality profile, time frames, and risk tolerance will all be factored into your investment strategy. As markets go through ups and downs, we’ll be your voice of reason to help you navigate adjustments and stay consistent when it’s difficult to do so.

Writing a check to your church or favorite charity is a great way to give, however, we can do an audit of your investment accounts to find specific lots of securities that have the most significant capital gains.

The significance in that is that we can then donate those shares to charities that accept in-kind contributions, and eliminate the capital gain taxes owed on those highly appreciated securities. If you are saving money on a regular basis, we can often make these donations with minimum impact to your portfolio diversification.

As with all tax matters, it’s important for us to collaborate with your CPA to have a discussion if we are contemplating a large donation and explore any unknown variables specific to each tax year.