Our Services
Minimizing fees and taxes is what makes you wealthy.
What's Included
Coordinated withdrawals across taxable, tax-deferred and Roth accounts, Roth conversion windows, and pension-aware bracket management — the tricks wealthy families use, applied to your plan.
We coordinate what comes out of taxable, tax-deferred and Roth accounts each year, and in what order.
We look for the years when converting part of a traditional account may make sense, and the years when it doesn't.
Pension and Social Security income can push you into a higher bracket or a Medicare premium surcharge. We plan withdrawals with those thresholds in view.
If giving is part of your plan, we look at tax-efficient ways to do it, such as qualified charitable distributions or gifting appreciated shares.
We work alongside your CPA or tax preparer so the plan and the return line up.
How We Work
A no-cost conversation about where you are, what you're worried about, and what a good retirement looks like to you.
We model your income, taxes and risk, then walk you through a plan you can actually understand and adjust.
Accounts open at Charles Schwab in your name; we build and fund the portfolio around your plan.
Ongoing management, rebalancing and check-ins — proactive when markets or your life change.
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A first conversation is free, unhurried, and comes with no obligation. Bring your questions.