Wealth & Investment Planning Built Around Your Situation
Investment advice fails most people in one of two ways: it is either so generic that it could have been generated for anyone, or so clever that nobody can explain why it should work. Our planning sits deliberately in the middle — specific to your goals, and simple enough that you can defend it to yourself at three in the morning when markets fall.
We begin every engagement with a written financial plan, not a product. That plan sets out your goals with dates attached, the money each goal requires, what you currently have working toward it, and the gap between the two. Only once that gap is quantified do we discuss where money should be invested.
Portfolios are diversified across asset classes, geographies and time horizons, and are managed to the fiduciary standard — meaning every recommendation must be in your best interest even where an alternative would pay us more. We review every portfolio quarterly and rebalance when drift, not headlines, tells us to.
What You Get
- Building a first investment portfolio from accumulated savings
- Consolidating old 401(k) and IRA accounts into one coherent plan
- Planning a retirement date and the income needed to support it
- Funding a child's or grandchild's education costs
- Managing a windfall — inheritance, business sale or property proceeds
- Coordinating investments with an existing estate or trust structure
Quick Facts
- Minimum portfolio — $25,000 (no minimum for workplace plans)
- Advisory standard — Fiduciary — documented in our client agreement
- Fee model — Transparent annual fee, billed quarterly, no commissions
- Portfolio review — Quarterly, with an annual full plan review
- Rebalancing — Threshold-based, typically at 5% drift
- Account types — Taxable, Traditional IRA, Roth IRA, SEP, 401(k) rollover, Trust
- Reporting — Online dashboard plus a written quarterly summary