Gather
We start by gathering everything we need to lay the foundation for a successful journey: your story, how you got here, where you want to go, your concerns, hopes, and desires. We collect and organize your financial information. We get clear on your goals for working together.
guard and grow
We design the strategies to help protect you and your loved ones from the things that can go wrong and construct the plan aimed to grow the life you desire as things go right.
grant
You grant us the access we need to implement your plan as your trusted financial partner. We coordinate your financial life, guide key decisions, strive to grow your wealth, review progress, and adjust as needed to work toward the life you’ve dreamed of.
give
As we work on the plan and focus on managing your wealth, we guide you through the final phase of building a wealthy life: a meaningful legacy that can benefit others. We partner with you to explore ways to use your resources to support the people, organizations, and causes you love during your life and beyond.
Comprehensive Planning (Flat Fee)
Comprehensive financial planning considers every aspect of your life, helping you intentionally use your resources. Together, we'll take a big-picture view, clarify your priorities, and create a plan to enhance what works and address what doesn't. We handle the complexities of your financial plan so you can focus on building the life you truly desire.
Project-Based Planning (One-Time Fee)
Project-Based Planning helps you address the obstacles currently in your path. Whether you’re navigating a major transition—changing careers, welcoming a child, moving, settling an estate, or selling a business—we’re here to help with what’s most pressing. Once that’s resolved, we can step back and explore the bigger picture. Whatever you need, we’re here for you.
Personalized Investment Strategy
You are unique, and your portfolio should reflect that. By analyzing your goals, objectives, and investor profile, we design a tailored asset allocation and portfolio aligned with your needs.
- Active and Passive Strategies ETFs
- Mutual Funds Individual Equities
- Separately Managed Accounts
- Fixed Securities
- ESG and Alternative Investments
- Portfolios are constructed using industry-leading qualitative and quantitative research.
Your goals, time horizon, and investor temperament guide our approach to diversification and risk adjustments. Interested in a side-by-side comparison of our recommendations with your current investments? Just ask us.
Hands-On portfolio Management
There is nothing 'robo' about it. We personally manage portfolios and handle all the details—rebalancing, contributions, distributions, RMD compliance, QCDs, automatic reinvestment plans, and trading—so you don't have to. Portfolios are managed with care and designed to align with your investment goals, providing access to your money when and how you need it.
Tax-Aware Portfolio Structure
Taxes can take a toll, especially on an investment portfolio, if not carefully managed. That’s why we take tax impacts into account with every trade. Strategies like tax-loss harvesting, limiting unnecessary turnover, reducing capital gain exposure, and utilizing tax-advantaged accounts and investments are all considered when constructing portfolios.
Fee-Sensitive Investments
Excessive fees can limit your portfolio's growth potential. We build portfolios with fees in mind, carefully selecting investments based on their internal fees and the potential impact on your returns. Strategies may include individual equities, fixed securities, low-cost ETFs and Mutual Funds, passively managed indexes, and direct-indexing approaches to help manage internal portfolio expenses.
Behavioral Investment Guidance
When it comes to investing, you may be your own worst enemy—because you're human. Research consistently shows that investors often underperform their investments due to common behaviors like greed, fear, emotional reactivity, overconfidence, and herd mentality, which can derail even the best financial plans. That's why we believe every investor (including financial advisors) benefits from a behavioral investment coach. Our role is to help you stay disciplined and focused on your long-term goals, providing a steady voice of reason during critical moments in your investing journey. If we can help you avoid even one major investment mistake, we believe our value will far exceed our fee.
Complete Financial Coordination
Between our team and partners we can help or steer you in the right direction—from creating a personalized financial plan and filing taxes to drafting estate documents, managing trusts, organizing financial records, and overseeing bill-pay—so you can focus on what matters most.
Streamlined Investment Management
By managing all your investment accounts in-house*, we aim to keep things simple and cohesive. Your member portal serves as the hub of your financial life, tracking everything from your remaining personal travel budget for the year to your progress on retirement savings goals. When the left hand knows what the right hand is doing, it's easier to stay on course (unless we're talking about giving—then it's best if the hands aren't talking at all).
Holistic Wealth Preservation
Bring all the stakeholders into our virtual conference room to ensure every family and financial team member is aligned with your vision. Need financial education for your children or grandchildren to help them steward your legacy? Looking to coordinate legal or tax advice with your investment objectives? Concerned about protecting your family and empowering their success in the face of unexpected events, medical expenses, or elder care? Worried about how future tax laws might impact your charitable goals? Whether you bring your CPA, banker, or attorney—or need us to assemble a team—we're here to help.