Services
Four services, one team. Most clients use all four, and each one is better for knowing what the others are doing.
Investment management
We build a portfolio around what your money needs to do and when, then manage it day to day. Rebalancing happens on a schedule and when your allocation drifts, never because of a headline.
- Low-cost, broadly diversified funds as the core
- Individual holdings only where they lower your taxes
- A quarterly report that explains every trade we made
Financial planning
Your plan is a written document, not a slide deck. It covers retirement, education, housing and the large purchases in between, and we revise it whenever something in your life changes.
- Retirement readiness with a clear savings target
- College funding for children and grandchildren
- Insurance and emergency reserve review
Tax-aware investing
Taxes are often the largest cost in a portfolio. We work with your accountant each year so that what we do in your accounts and what they file line up.
- Asset location across taxable and retirement accounts
- Tax-loss harvesting when it is worth the trade
- Roth conversion analysis in lower-income years
Retirement and estate coordination
When paychecks stop, the order you draw from accounts matters as much as what they hold. We plan your income, then make sure your estate documents and beneficiaries match it.
- Retirement income and withdrawal order
- Social Security and pension timing
- Beneficiary reviews with your estate attorney
Our fee
One annual fee, billed quarterly from your accounts, that covers all four services. We earn nothing else.
| First $2 million | 0.85% |
|---|---|
| Next $3 million | 0.60% |
| Above $5 million | 0.40% |
Start with a conversation
Forty-five minutes, at no cost, to see whether we are the right fit.
Contact us