WHO WE HELP
Our clientele is restricted to financial advisers and people who manage their own investments.
You only get to retire once. I've been retiring for a living since 1985. I've seen it all before (with rare exceptions), and I will be frank about what I can and cannot do for you. Planning is all we do, so it's never a loss leader for other services. I love to tackle complicated situations; that's what makes it fun!
If you've got a business to sell, underperforming rental properties, or a spouse with complicated corporate benefits, we can help.
If you've got an estate tax problem, trusts created by your grandparents, or legacy real estate co-owned with cousins, we can help.
Or if you're just trying to get the kids launched and lock down a solid retirement, we can help.
YOU NEED AN ACTION PLAN
You need more than "delay Social Security" and "consider Roth conversions." You need specific, actionable advice.
We don't make tax decisions based on gut feel during the last few months of the year. We fine-tune and implement your coherent, pre-tested multi-year strategy.
We can help you decide about 83(b) elections, planning for liquidity or exit, tax benefits of trading strategies, and net unrealized appreciation.
And, to manage family gifts and estate tax, we can help you to evaluate, create, and manage irrevocable trusts of all kinds (in concert with your other professionals).
We provide all the information and advice you need to make more effective financial decisions. We do not provide investment advice, and we do not manage investments.
WHY YOUR CURRENT PLAN MAY FALL SHORT
You might have financial projections. But you don't have the full range of stress tests and scenario tests. And you lack a clear multi-year strategy and a brainstorming partner.
You might not want to build your own projections.
You might not want to ask friends or coworkers for personal advice.
You haven't found anyone yet to trust as your discussion and brainstorming partner.
You haven't found anyone your spouse will trust for external validation.
WE MANAGE THE ONGOING PROJECTS.
We boil it all down into an ACTION PLAN with specific steps listed, responsible parties identified, and priorities spelled out.
That ACTION PLAN becomes the focus of our relationship. We keep you on track and we do all we can to move things along.