Our Approach
We believe the best financial life outcomes are achieved with a hands-on partner who can offer a fully cohesive strategy and seamless execution. That’s why in an industry built on selling individual financial products, we advocate for a complete care solution instead. We offer flexibly-priced comprehensive packages that include six services to help build your fullest financial life.
Both comprehensive packages packages include all six services described below:
I. Career Planning
Career Planning is focused on a large and often underserved asset, your future earnings power. It includes:
- Career Mapping to help you connect where you are today with where you want to go professionally.
- Opportunity Analysis that identifies and investigates the important considerations before making your next move.
- Annual Compensation Reviews to help ensure that you're dedicating your most valuable resources (time and energy) to their best use.
II. Financial Planning
Financial planning is the heart of our offering. It connects all of our wealth development activities and includes:
- Our Financial Planning Portal which dynamically links your external bank, investment, and credit accounts so you can view your entire financial life in one place.
- A Comprehensive Financial Plan that connects your current financial position with your future goals and sets the foundation for your tax, investment, and estate strategies.
- Unlimited Proactive Guidance on all financial matters. Whether its real estate, education savings, debt management, or reviewing your monthly cash flow, if it has a dollar sign, we're here to help.
III. Investment Management
With complete visibility of your financial life, we are well positioned to help maximize your total return. We use tax advantaged strategies and an investment philosophy based on Nobel Prize winning research, this includes:
- Tax Optimized Portfolio Design consisting of low cost, diversified, and tax efficient investments that match your goals, risk tolerance, and liquidity needs.
- Portfolio Monitoring for ongoing rebalancing, tax loss harvesting, and strategic adjustments.
- Quarterly Performance Reviews that keep you informed, above the noise, and committed to your goals, no matter what’s going on in the markets.
IV. Tax Prep and Planning
Income taxes are likely your single largest lifetime expense. Most think about taxes once per year, we optimize them all year long. Our approach gives us access to all the dials and levels needed to save you the most. It includes:
- Expert Preparation and filing of your personal federal and state tax returns.
- Continuous Tax Optimization that covers income streams, asset placement, capital gain recognition, real estate, stock options, 83(b) elections, charitable giving, estate structure, AMT considerations, and more.
- H2 Tax Arbitrage, because when it comes to taxes, timing matters. We’ll connect in the second half of the year to review tax projections and potential recognition shifts.
V. Risk Mitigation
Maximizing the upside requires managing the downside. Our detailed understanding of your financial life allows us to provide peace of mind that your assets, your income streams, and the loved ones they support, are properly protected. Our focus areas are:
- Asset Defense to make sure that your home, auto, and umbrella policies are right sized to protect your assets.
- Income Protection to identify the need for life and disability insurance that protects you and your family from catastrophic events.
- Metric Monitoring to highlight important financial metrics like cash flow, debt concentration, liquidity level, credit score, and portfolio diversification so you'll be prepared for any bumps in the road.
VI. Impact Amplification
Impact connects money with meaning. Our goal based planning strategy fortifies the connection and our amplification approach helps keep Uncle Sam out of the way. It includes:
- Estate Planning to review the need for wills/trusts, powers of attorney, guardianship of children, and multigenerational planning. We’ll annually review your plans and partner with your legal counsel as needed.
- Philanthropic Consulting to advise on topics from annual charitable contributions, to establishing tax advantaged donor advised funds, endowments, or even foundations. We help every hard earned dollar go further.
Comprehensive Packages
We offer two comprehensive packages, both include all six services described above. Our Initiate Wealth package has no asset minimum and is ideal for those early in their wealth accumulation phase. Our Accelerate Wealth package is designed for those who are further along and provides an enhanced service offering and customized capabilities that scale with your needs. Both packages require a one-time $999 onboarding fee that covers the creation of your initial comprehensive financial plan.
I. Initiate Wealth
(No Asset Minimum)- Financial Planning Portal that dynamically links to your external financial accounts.
- Comprehensive Financial Plan to connect your current financial position to your broader life goals.
- Quarterly Advisor Meetings to keep you on track and up to date.
- Integrated Tax Planning and Preparation to save you all we can.
- Proactive and Unlimited Guidance on all financial matters, as they arise.
II. Accelerate Wealth
($500K Asset Minimum)(Discounted tiers starting at $2M)
- All Initiate Wealth services, plus added features below:
- Advanced Portfolio Offerings including option income and hedging strategies.
- Enhanced Service Level including in-person meetings and dedicated business hours.
- Extended Horizon tax planning and multigenerational estate planning.
- Direct Collaboration with third-party professionals (e.g. attorneys/underwriters), as needed.
Standalone Projects
While we are strong proponents of the comprehensive approach, the services included in our comprehensive packages are also available individually as standalone projects. Standalone projects are billed at a rate of $250 per hour or for an agreed-upon flat fee. Examples include:
Tax Preparation
Income Tax Preparation + Filing- Preparation and Filing of your Federal and State tax returns. (eFile included).
- Customized Coversheet and savings focused walkthrough of your return.
- Secure Cloud-based Vault to safely store documents.
- Eligible for Midyear Tax Projection to prepare for the year ahead (additional fee required).
Options Optimizer
Employee Equity Strategy + Tax Planning- Simplified Single-Page View of grants, vesting dates, and payoffs.
- Payoff Simulations to demonstrate risk and return scenarios.
- Customized Tax Projections and review of key tax issues, including AMT implications.
- Actionable Strategy Recommendation for sales, exercises, and holding periods.
Comprehensive Plan
Tools, Advice, and Written Financial Plan- Financial Planning Portal that dynamically links to your accounts.
- Complete Financial Plan including goal development and outcome stress testing.
- Comprehensive Strategies for investment allocation, liquidity and debt management, education savings, and tax planning.
- Risk Assessment to evaluate insurance and estate planning needs.