Financial Planning Services
Comprehensive, fee-only financial planning designed around your life, not around product sales.
Retirement Planning
Building a retirement income strategy that lasts. We model Social Security timing, 401(k) rollover decisions, Roth conversion strategies, and sustainable withdrawal rates so you know exactly when you can retire and how much you can spend.
Learn more →Investment Management
Evidence-based portfolio construction using low-cost, diversified funds. We manage risk through proper asset allocation, rebalance systematically, and harvest tax losses to improve after-tax returns. No proprietary products, no conflicts.
Learn more →Tax Planning Coordination
Proactive tax strategies that go beyond filing a return. We coordinate with your CPA on Roth conversions, capital gains management, charitable giving strategies, and retirement account distribution sequencing to minimize your lifetime tax bill.
Estate Planning Coordination
We work alongside your estate planning attorney to ensure your financial plan and estate plan are aligned. Beneficiary designations, trust funding, titling, and wealth transfer strategies, all coordinated as part of your comprehensive plan.
Education Funding
529 plans, Coverdell accounts, and alternative strategies for funding your children's or grandchildren's education. We help you balance education savings with retirement goals so you don't sacrifice one for the other.
Who We Work With
Pre-Retirees with $500K+
You've spent decades accumulating wealth and need a comprehensive strategy to transition from saving to spending. We build retirement income plans that account for Social Security timing, healthcare costs, tax efficiency, and longevity risk.
Business Owners Planning Exits
Your business is your largest asset. We help you plan for liquidity events, optimize compensation structures, diversify concentrated positions, and coordinate the financial and tax implications of selling or transitioning your business.
Physicians & High-Income Professionals
Complex compensation packages, student loan strategies, backdoor Roth contributions, and practice ownership decisions. We understand the unique financial challenges of high-income professionals.
Tech Professionals with Equity Compensation
RSUs, ISOs, NSOs, and ESPP shares create complex tax situations. We help you build a diversification strategy, manage concentration risk, and optimize the tax implications of exercising and selling equity.
Not sure which services you need?
Start with a free discovery call. Michael will listen to your goals, review your situation, and recommend a path forward. No obligation.
Schedule My Discovery Call