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A Tailored Approach

Process

This is an overview of the process once we have decided to work together. Every situation is unique, but this is a good idea of what to expect.

  1. 01Determine the high-level strategy
    • Take time to think through your goals, weigh the available paths, and establish a strategy before making major decisions
  2. 02Build a durable portfolio to preserve and grow your wealth over time
    • Start with an appropriate allocation of stocks and fixed income depending on your goals and risk tolerance
    • Consider adding liquid alternatives to increase durability through different economic environments
    • Broad diversification across asset classes and geographies can reduce risk without sacrificing expected returns
  3. 03Find the optimal path to meet your financial goals—whatever they may be
    • Monte Carlo simulations to ensure you're on track for retirement
    • Analyze college saving strategies to maximize funding and flexibility
    • Help deciding on major purchases like cars, boats, weddings, and vacation homes
    • Planning for career changes, sabbaticals, starting a business, or any event that significantly lowers your income
  4. 04Implement tax planning strategies to reduce your tax bill
    • Use tax-deferred and tax-free accounts strategically for higher-income investments when appropriate
    • Evaluate Traditional versus Roth contributions and conversions based on current and expected future tax rates
    • Consider tax-free municipal bonds when they offer a better after-tax outcome
    • Harvest losses and select specific tax lots to defer or spread taxable gains over time
  5. 05Build an estate plan to ensure a smooth and tailored transfer to the next generation
    • Review beneficiary designations across retirement accounts, insurance policies, and transfer-on-death accounts
    • Coordinate with an estate-planning attorney to ensure wills, powers of attorney, healthcare directives, and trusts reflect your wishes
    • Evaluate account ownership and transfer strategies that may simplify the estate-settlement process
    • Revisit the plan as family circumstances, tax laws, and priorities change
  6. 06Insurance planning to protect your assets
    • Review existing coverage and identify potential gaps across life, disability, property, liability, and long-term care insurance when appropriate
  7. 07Monitor your situation over time and make changes as needed
    • Monitor your portfolio, tax plan, and financial goals throughout the year—not just before meetings
    • Rebalance and adjust the plan as markets, priorities, and circumstances change
    • Meet regularly to review progress, discuss new decisions, and confirm the plan remains aligned with your life

Built around you

I don't believe in a one-size fits all approach. Some people want a hands-on experience, and others want to delegate everything. Some people want to meet every quarter, others want to meet once a year. The way we work together depends on your needs and preferences.

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