Our Fiduciary Framework

You want a simple, proven system to help guide you through retirement, but where do you start? We begin with the end in mind, what’s most important to you. Our four-step process allows us to create a highly personalized and actionable plan for your retirement.

Purpose

You are the heart and soul of your retirement roadmap. the numbers don't mean anything until there is a person and a purpose attached. Unlike traditional financial firms, we don't start with the numbers. We start with you.

In order to build a strong foundation for your retirement, we believe that we have to first understand your desires, fears, and what matters most to you.

Optimize

Once we understand your values and priorities, we reverse-engineer the process to create the most efficient plan possible.

During this stage of planning, we devise tactics to reduce your lifetime tax burden, enhance your Social Security benefits, and optimize your investment portfolio. By focusing on these key aspects of your retirement plan, we ensure that you make the most of your hard-earned resources.

Protect

We build every plan with the worst case scenario in mind because failure is not an option for your retirement. Even if you retire during a market down turn or face unexpected life events, you can breathe easy knowing we’ve got you covered.
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This includes reviewing and updating estate plans and insurances, planning for long term care expenses, setting aside cash reserves in the case of market corrections, and developing stable in come strategies to ensure your hard-earned savings will last through your life time.

Service

We believe the typical ‘financial advisor’ model is broken. It’s riddled with good sales men who care more about their own commission than what’s really in your family’s best interest. They roll out the red carpet to earn your business, only to provide little to no service after.
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We don’t think this is right, so we developed a service - first model that make sour existing clients our top priority.

What do you want to know?

We strive to be as transparent as possible.

We only work with clients within approximately 15 years of retirement or those currently retired. If this isn't you, you likely wouldn’t receive the full benefit of our specialized services, as we built our fiduciary framework specifically for the needs of these retirees.

In addition, our best-fit client has saved diligently through the years and built a portfolio of at least $300,000. They want to work alongside a trusted professional to ensure they’re making the most out of their hard-earned nest egg. By taking on fewer clients, we are able to serve your family with a higher level of attention and care.

If you don’t meet one or both requirements, you may still click 'Start Here,' and we will do our best to connect you to the proper resources for your unique season of life.

Start Here

In short, hyper-personalized service. Because we're an independent advisory firm, there are no sales incentives, quotas, or pressure to sell any specific products or solutions, just real financial advice from a real fiduciary advisor.

We have a proven six-step system for new clients that leads to the seventh, and most important step: service. We meet semi-annually, typically in April and again in December. These times have been strategically allocated to optimize the efficiency of our meetings to make crucial year-end and tax-deadline decisions. We also have rolling dates monthly to accommodate scheduling conflicts and urgent matters that affect your retirement plan.

What to Expect

We provide all-in-one fiduciary services for your retirement so you're free to focus on what really matters. This includes:

- Retirement Income Planning
- Social Security Optimization
- Cash Flow Analysis
- Investment Management
- Proactive Tax Planning
- Risk Assessment
- Estate and Gift Planning
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We get a lot of questions surrounding taxes in retirement. While we are not CPAs, we do offer proactive tax planning services. Most CPAs account for your past financials, where we work to reduce your tax liability in the future. We take a holistic approach to ensure we're giving you the most tax-efficient recommendation within your whole retirement strategy.

We charge a transparent percentage fee (listed below) based on the value of the portfolio we manage. This fee is debited directly from the investment account and is all-inclusive to all of our services. There are no up-charges or hidden costs to utilize any of our other resources.

- 1.29% for clients with under $1M
- 0.99% for clients with $1M - $3M
- 0.69% for clients with over $3M

We’re a small, boutique firm with exceptional service and big capabilities. We only do one thing: retirement planning, and we do it well. Because we're so specialized, we’ve invested heavily into the right technology and resources to meet your specific needs.

We guarantee a world-class client experience and believe in treating our clients and their families with honesty and integrity. Our personalized planning process keeps every detail of your retirement plan at your fingertips and takes the burden of retirement planning off your shoulders so you can focus on what really matters.

Our Process

Our Fiduciary Framework

You want a simple, proven system to help guide you through retirement, but where do you start? We begin with the end in mind, what’s most important to you. Our four-step process allows us to create a highly personalized and actionable plan for your retirement.

Our Fiduciary Framework

What do you want to know?

We strive to be as transparent as possible.

Life is complicated enough;
let's keep your retirement plan simple.

Peace of mind starts with a conversation.

Our Fiduciary Framework

You want a simple, proven system to help guide you through retirement, but where do you start? We begin with the end in mind, what’s most important to you. Our four-step process allows us to create a highly personalized and actionable plan for your retirement.

Our Fiduciary Framework

What do you want to know?

We strive to be as transparent as possible.

Life is complicated enough; let's keep your retirement plan simple.

Peace of mind starts with a conversation.

Not ready to schedule a call, but want to stay in touch?

Life is complicated enough;
let's keep your retirement plan simple.