We work with a small number of clients. Intentionally.
We are a boutique, three-person firm. That is a deliberate choice. It means every client we serve gets our full attention — not a junior associate, not a template portfolio, not a call center.
You may be a great fit if you are...
Within 10 years of retirement and ready to get the plan right
Already retired and looking for disciplined, sustainable income management
Frustrated by commissions, products, or advisors who sound like salespeople
Ready to make decisions based on a written plan — not market headlines
Looking for a long-term relationship, not a transaction
We are probably not the right fit if you...
Want to actively trade or time the market
Are primarily looking for the lowest possible fee
Expect frequent trading or tactical allocation shifts
Want to manage your own portfolio and just need execution
Prefer a large, institutional firm with many advisors
$500,000 minimum investable assets
This threshold exists to ensure we can serve every client with the depth and attention the relationship requires.WHAT’S INCLUDED
Everything you need. Nothing you don’t
Portfolio Management
Ongoing construction, monitoring, and systematic rebalancing of your investment portfolio through Charles Schwab.
Investment Policy Guide
A written document defining your asset allocation, rebalancing rules, and the rationale behind every position in your portfolio.
Annual Client Review
A structured annual review covering every dimension of your financial picture — portfolio, cash flow, taxes, estate, and goals.
Tax-Efficiency Strategies
Roth conversion analysis, tax-loss harvesting opportunities, asset location, and coordination with your CPA or tax preparer.
Retirement Income Planning
Cash bucket strategy, withdrawal rate analysis, Social Security timing, and RMD planning built around your specific retirement date.
Behavioral Coaching
The most undervalued service we offer. Steady, experienced guidance when markets move and emotions run high. We've seen this before. We'll help you stay the course.
Ready to have a real conversation?
The first step is a no-pressure, 30-minute call. Tell us where you are. We'll tell you if we can help.