Retirement income
We sequence Social Security, pensions, required distributions, and portfolio withdrawals so the paycheck is durable in a poor market, not only a good one.
Advisory
The work, in six parts.
Wealth planning
Start with the household, not the market.
We assemble a living plan: income, spending, savings rate, insurance, and the dates that actually matter—tuition, a sale, retirement, a parent’s care. The document is useful only if it can be updated without drama.
Investment counsel
A portfolio should be boring in the right ways.
We build diversified allocations around your plan, tax lot, and liquidity needs. Trading is not a personality. Rebalancing, cost, and tax lot selection are. Alternatives are used sparingly, and only when they earn a place.
Tax-aware design
Account location, contribution strategy, charitable bunching, and realization timing—coordinated with your CPA, not invented in isolation.
Estate & legacy
Beneficiary reviews, titling, and a working relationship with estate counsel. The goal is fewer surprises for the people you leave behind.
Business transitions
Pre-liquidity planning, after-tax proceeds, concentrated stock, and the year after a sale—when the calendar suddenly has too much space in it.
Risk & protection
Insurance is reviewed as part of the plan: what you keep, what you drop, and what a claim would actually do to the household.
Family coordination
Meetings with adult children, trustees, or a second household when two generations need the same facts, stated once, without politics.
Engagements typically begin with a planning retainer and, where appropriate, ongoing investment advisory. We will tell you if we are not the right firm.