No one loves talking about taxes, but we do, with you! We’ll analyze and strategize ways to minimize your tax liability through deductions, credits and tax-advantaged accounts, with the goal of keeping more of your hard-earned money - so that money can work for you!

We intentionally don’t offer insurance products as we believe it’s a conflict of interest in working with you. We do review your current coverage to ensure you’re adequately protected for unexpected events. We can recommend an insurance specialist to help you secure protection for you and your loved ones, if needed, too.

Not to worry! This is not about analyzing each dollar you spend – it’s about knowing your cash flow and forecasting it allows us to optimize your savings, pay off your debt and build a solid retirement strategy. We also help you prepare for the unexpected with a liquid emergency fund, typically around 3-6 months of expenses, depending on your situation and job security, etc.

There is so much power in evaluating your entire financial picture – we do a robust analysis of your income, savings, debt, expenditures and investment projections to forecast various scenarios, including retirement timing, and create a strategy to meet your retirement goals. We also guide you through tax implications and help you choose the best account options – such as Roth IRAs, IRAs, 401(k)s - to maximize your retirement income.

With college costs soaring, we understand the burden of student loans and can help you develop a strategy to pay them off while still achieving your other financial goals. If you're looking to help loved ones with education expenses, we'll discuss your options and provide tailored recommendations based on your unique financial situation.

Once you have a clear picture of your cash flow, setting up an automated savings strategy is key to reaching your goals. Aligning the timing of your mortgage payoff with your broader goals can create clarity and peace of mind, too. If you have debt, there’s no judgement here, we’ll review it and create a plan to tackle it, that works for you!

Though no one likes to think about end-of-life planning - having a trust, will and healthcare/financial power of attorney in place not only protects your assets, but also ensures your loved ones are cared for when they need it most. We’ll review your current coverage and provide recommendations to make sure you’re prepared for all of life’s unexpected events.

You may have multiple investment accounts – we take a holistic approach to evaluate the overall risk of your portfolio in relation to your personal risk preferences (aggressive growth vs. moderate vs. conservative risk tolerances, etc.). We also assess diversification across your accounts, address any concentration risks and ensure your investments align with your timeline for accessing your funds when you need them.

We’ll review your social security projections and discuss the timing implications, as well as long-term considerations, to help you plan and make the best decision when the time comes for you.