Independent wealth guidance designed for you.
Whether you’re preparing for retirement, growing your investments, or reviewing your current portfolio, we help you navigate what’s next with clarity and conviction.
.avif)
Grow, protect, and adapt with a strategy built for the long term
Why active management could be right for you.
Opportunity to outperform
Active managers can lean into emerging trends, adapt to technological or geopolitical shifts, and avoid structural losers—an advantage in markets undergoing rapid change.
Proactive risk management
We adjust portfolios as conditions change—reducing exposure to vulnerable areas, raising cash when needed, and helping protect against major downturns.
Tax and cost efficiency
A dedicated manager can improve tax efficiency by placing investments in the right accounts, managing capital gains, and implementing tactics like tax-loss harvesting.
Management and reporting
We monitor and adjust your portfolio as needed to keep you on course. You will receive clear trading updates and regular performance reports to keep you fully informed.
Helping you transition into retirement with clarity, control, and peace of mind.
Whether you’re ten years out or already retired, we help you understand what’s possible, what’s sustainable, and how to draw income in a way that protects your future.
Timing your retirement
By aligning your goals, investments, and tax strategy, we can create a clear roadmap that supports your lifestyle, manages risk, and gives you confidence as you transition into retirement.
Income
mapping
We help turn savings into a reliable paycheck—balancing Social Security, withdrawals, pensions, and investments so clients know exactly how their income will support their lifestyle.
Tax-aware withdrawals
We can coordinate the sequence of account withdrawals to minimize taxes and extend the life of retirement savings.
Providing guidance and reassurance
Clients gain a partner who monitors their assets, answers questions, and helps them navigate financial decisions and life transitions—reducing stress and uncertainty.
.avif)
Already working with someone? Need a second opinion?
We offer hourly consulting and investment reviews for clients who don’t need full portfolio management — or who are exploring a transition. We’ll give you our honest perspective, no strings attached.
Asset allocation review
Is your portfolio properly diversified?
Portfolio report card
Get an objective review of your investment holdings, with recommendations to buy or sell.
Identify risks, gaps, and overlaps
We begin by understanding your time horizon, risk comfort, and personal goals.
Written recommendations
We'll provide written recommendations for you to implement on your own terms.
Let’s talk about what you need.
Not sure which service is right for you? We’ll help you figure it out, no pressure.
Flexible strategies for different mindsets
We understand that different investors have different risk appetites and goals — that’s why we offer a spectrum of strategic options.
West Coast
.avif)
East Coast
Our process is built to be clear, collaborative, and completely transparent.
We start with discovery, build your strategy together, and provide consistent, human guidance, not just quarterly statements.
.avif)
Our intentionally low client-to-advisor ratio means you receive a high level of personal attention, not a one-size-fits-all experience. You work directly with the person managing your portfolio, ensuring clear communication and advice tailored to your unique goals.
We provide the most benefit to clients with at least $500,000 to invest. There is no investment minimum for our one-time portfolio consulting service.
Our investment advisory clients pay annual advisory fees according to the following schedule:
- 1.00% for the first $2 million
- 0.75% for assets over $2 million.
- At $5 million all assets are at 0.75%.
- At $10 million all assets are at 0.65%.
- At $20 million all assets are at 0.50%.
Our hourly consulting clients pay a rate of $400 per hour; a portion of these fees may be waived for those who become investment management clients within six months of consultation.
All assets are held with Charles Schwab. Clients maintain full access to their accounts at all times. Clients also receive monthly statements and performance reporting, in addition to low-cost trades through Schwab.
Let’s build something that works for you.
If you’re looking for clarity, partnership, and results — we’re here when you’re ready.
Straightforward commentary, strategic perspectives, and no noise, just one email a month to help you think smarter about your financial future.