Your finances got more complicated than they used to be. A job change, a vesting schedule, a portfolio you have outgrown, or a retirement date that is now close enough to plan around. We manage the investments, build the plan around them, and look at how each decision affects your tax return, not just your statement.
We run globally diversified, evidence-based portfolios. Where you hold each asset matters as much as which asset it is.
Each type of account is taxed differently, so we match the asset to the account: income that would be taxed every year where it's sheltered, long-term gains where the rate is lowest, and the fastest-growing money where it comes out untaxed. We harvest losses against gains when the chance is there. Most portfolios never do any of this, and it costs you quietly, year after year.
The decisions that matter most tend to cluster around a change. A few we help clients think through before they act:
We help you think it through while the options are still open.
Saving for retirement and drawing from it are two different problems. Once you stop earning, the questions change: which accounts to spend first, when to claim Social Security, how to keep an early market drop from doing lasting damage.
We build the withdrawal plan, then adjust it as the years actually unfold.
A financial plan touches your estate documents, your insurance, and your tax return. We do not draft your will or file your return. We coordinate with the people who do, so the pieces fit together instead of working against each other.
A 30-minute conversation costs nothing. We'll look at where you are and whether we can help.
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