Everything we do runs through one question: how does this affect your tax return? On our team a CPA and a fiduciary advisor work side by side, so investment management, retirement planning, and tax strategy come from the same people instead of separate professionals who rarely coordinate. Here is what that covers.
We run globally diversified, evidence-based portfolios held at low cost, with no stock-picking or market timing. Where each asset sits and when gains are realized is decided with your tax return in view, using tools like asset location and tax-loss harvesting where they fit. For clients whose tax situation calls for more, we go further with direct indexing built specifically for tax efficiency.
A plan is where income, tax exposure, retirement timing, and estate get looked at together, instead of one decision at a time. We build it around your actual situation and use it to guide each investment decision, then update it as things change.
Saving for retirement and living off it are two different problems. We plan the whole arc — which accounts to fund now, which to draw from later, when to claim Social Security — with the tax bill in mind at each stage.
An estate plan decides how your assets pass to the people you choose, and how well they're protected. We don't draft the documents, but protecting what you've built matters to us: we work alongside your estate attorney so the investment and tax side supports the plan and helps keep your assets intact for the people who come next.
Tax is where we started. With a CPA on the team, we build tax into every investment decision instead of reviewing it once a year, and we coordinate with the return itself so the planning and the filing tell the same story.
Insurance covers the risks a portfolio cannot. It runs on products rather than investments, so it sits outside our core work, but we do not leave you to sort it out: we bring in the insurance professionals in our network and keep any coverage aligned with your plan.
Most clients need several of these services, working together. A first conversation is where we determine which ones fit your situation.
Schedule a Consultation