Our Planning Process

Our financial plans are built around your life—not products or commissions. Each plan is tailored to your goals, priorities, and circumstances and may include guidance across income, investments, taxes, insurance, retirement, and estate considerations.

Clients may receive:

• A clear and organized financial roadmap

• Recommendations prioritized based on planning considerations

• Ongoing planning support as circumstances change

Our fee-only compensation structure helps align advice with clients’ interests.

For clients who want professional oversight of their investments, we provide ongoing asset management designed to support long-term planning objectives. Our investment management process focuses on:

• Aligning portfolios with risk tolerance and time horizon

• Managing costs and seeking efficiency where appropriate

• Diversification and disciplined portfolio construction

• Ongoing monitoring and periodic rebalancing

Investment strategies are implemented with a long-term perspective and integrated into the broader financial planning process.*

Taxes affect many financial decisions. We help clients evaluate strategies designed to improve tax awareness and coordination, including:

• Coordinating taxable, tax-deferred, and tax-free accounts 

• Planning withdrawal strategies in retirement 

• Evaluating Roth and charitable strategies where appropriate 

• Long-term tax awareness across investments and income 

While we do not replace your CPA, we collaborate to help ensure tax considerations are thoughtfully integrated into your plan. **

Insurance decisions should be intentional—not reactive. We provide independent insurance analysis to help clients evaluate existing coverage and identify potential gaps or overlaps. This may include: 

• Life insurance reviews 

• Disability insurance considerations 

• Long-term care planning analysis 

• Home, auto, and umbrella coverage reviews 

Our role is educational and advisory in nature—helping clients understand risks and options so they can make informed decisions.****

For clients seeking additional convenience, we offer tax preparation services designed to complement ongoing financial planning. This allows for: 

• Better coordination between planning and tax reporting 

• Improved awareness of planning opportunities throughout the year 

• Fewer surprises at tax time 

Tax preparation services are offered separately and subject to engagement scope. **

Clarity around cash flow is the foundation of sound financial planning. We help clients: 

• Understand where money is coming from and where it’s going 

• Identify inefficiencies or risks in spending patterns 

• Align cash flow with short- and long-term goals 

This analysis often becomes the starting point for smarter decisions across saving, investing, and retirement planning.

Social Security can play an important role in retirement planning. We help clients evaluate factors such as:

• When to begin claiming benefits 

• How spousal and survivor benefits may apply 

• How Social Security fits into a broader retirement income plan 

The goal is to help you make informed decisions based on your full financial picture—not guesswork.

Retirement planning isn’t just about saving—it’s about turning assets into income. Our retirement income planning process focuses on: 

• Coordinating income sources in retirement 

• Managing sequence of return risk 

• Evaluating sustainable withdrawal strategies 

• Exploring guaranteed income options where appropriate 

We help clients plan for flexibility and sustainability throughout retirement.

Estate planning is about clarity, control, and care for those you love. While we do not provide legal services, we help clients: 

• Organize and align beneficiary designations 

• Coordinate assets with wills and trusts 

• Evaluate legacy and charitable goals 

• Work collaboratively with estate planning attorneys 

Our role is to ensure your financial strategy and estate documents work together—not in isolation. ***