Personal Financial Advice Services

Our Personal & Family Finance
Advanced Planning Capabilities

Flat Fees + Clear Value= Transparency

Black Label Wealth Management+

For those with $5M to 100M in net worth, with significant complexity.

For $36,000 a year: paid in monthly installments.
No commissions, no hidden charges, just great service at a great price.
Investment Management included.
Optional Services provided at various nominal cost depending on location, timeline, and complexity.

We Make Sure Everything Gets Done Right, and nothing falls through the cracks.

Platinum Label Wealth Management+

For those with $2M to 25M in net worth, with significant complexity.
For $24,000 a year: paid in monthly installments:
No commissions, no hidden charges, just great service at a great price
Investment Management included. Optional Services provided at various nominal cost depending on location, timeline, and complexity.

We integrate everything for you, and coordinate most of it. No more work done in isolation, no more conflicting plans, or nasty surprises. Just everything separate, Synchronized into Simplicity.

Gold Level Wealth Management+

For those with $1M to 5M in net worth, with some complexity.
For $18,000 a year: paid in monthly installments:
No commissions, no hidden charges, just great service at a great price.

Investment Management included.

• Custom Financial Planning

• Estate Planning Document Prep & Coordination

• Tax Planning

• Wealth Protection Planning

• Charitable & Gift Planning

• 6 Financial Advice Meetings a Year

Silver Level Wealth Management+

For those with $500K to 5M in net worth.
For $12,000 a year: paid in monthly installments:
No commissions, no hidden charges, just great service at a great price.

• Investment Management included.

• Custom Financial Planning

• Estate Planning Document Prep & Coordination

• 2 Advanced Planning topics

Copper Level Investment Management+

For those with $500K to 2M in net worth.
Usually need $250K in investment for this to make sense,
otherwise a few hours of advice charged hourly is better.

For $6,000 a year: paid in monthly installments:
No commissions, no hidden charges, just great service at a great price.

• Investment Management included

• Custom Financial Planning

• Estate Planning Document Prep & Coordination

• 1 Advanced Planning topic

F.A.Q. & Term Explainer

Can you describe your financial planning approach?

Absolutely, while we consider comprehensive financial life planning to be the standard, there is a lot of room for Modular Planning where you simply take care of the next important thing, then the next. Sometimes comprehensive or hourly is better for the client, then we do that process that fits best.

In most cases we systemically and wholistically diagnose... then work on the next critical thing. This leads to a lot more effective work being done than if someone had a full plan developed, then their life changed and they were not able to implement the plan.

So that's why we sell the process of planning - instead of a plan in a 3 ring binder. The plan is not worth anything if it is outdated or unimplemented. But the process of planning is invaluable. Just think of an adventure guide keeping you from making big mistakes and making your journey shorter and more fulfilling. The thinking process

What is Financial Life Planning?

Human Flourishing first, then spreadsheets if we need them.
Your life, your values... this is where we start. We talk about your values, your dreams, goals, and what you want life to look like... both now and down the road. Then we build your financial plan around your life plan to help get you to that vision in the best way for you.

Is Estate Planning just for rich old guys?

This isn’t just for the wealthy. If you have kids, If you have employees, if you have anything or anyone you care about... then you at least need a few documents in place. You may not need a trust, but you will is not enough by itself. Healthcare directives, HIPPA Release, Healthcare power of attorney are part of the documents everyone over 17 should get- especially if you are sending them off to college. We help you get the right documents in place so your wishes are clear, and your loved ones aren’t left scrambling. We’ll coordinate with your attorney and make sure this piece of the puzzle isn’t overlooked.

Do you offer Equity Compensation Planning?

We do this for employees or employers. If you get stock options, RSUs, or other equity as part of your pay, we’ll help you understand it and plan around it. These can be powerful, but they come with complexity and tax issues. We help you decide what to keep, sell, or hold—and when.

Tax Planning

Taxes touch every part of your financial life. We work with your tax professional—or bring in one if needed—to make sure your plan looks at the full picture. We’ll help you avoid surprises and spot ways to keep more of what you earn.

Can you do Salary Review Recommendations?

Your income is one of your biggest financial tools. We help you evaluate job offers, prep for raise conversations, and make career moves with your finances in mind. It’s not just about earning more—it’s about how that income fits into your bigger plan. We do this for employees or owners.

What about Tax-Advantaged Investing?

We help you invest in a way that’s smart from a tax perspective—so you’re not paying more than you need to. That might mean using retirement accounts, tax-loss harvesting, or rebalancing at the right time. Small moves can add up over time.

Company/ Employee Benefit Planning

From 401(k)s to HSAs to stock options, we help you understand and make the most of your employer’s benefits. These can be powerful tools—but only if you’re using them well. We’ll make sure they’re aligned with the rest of your plan.
As with most of our planning, we help with the employee and the employer sides of this.

Retirement Strategy

Whether retirement is decades away or just around the corner, we’ll help you plan for the lifestyle you want. We look at what you're saving, where it's going, and whether you're on track. It’s not about guessing—it’s about having a plan that adjusts as life changes.

Investment Management

We build and manage an investment strategy that fits your goals, time horizon, and comfort with risk. You won’t get a one-size-fits-all portfolio—we tailor everything to your situation. And we’ll walk you through how it works, in plain English.

Cash Flow Planning

Knowing where your money is going is step one. We’ll help you get clear on your income, spending, and savings so you feel more in control. This isn’t about cutting out all the fun—it’s about making sure your money is going toward what matters most.

Debt Payoff Planning

Car loans, student loans, credit cards—we’ll help you come up with a realistic payoff strategy that still leaves room to live your life. It's not just about being debt-free, it's about building momentum and confidence with your money. We’ll show you how to prioritize and make steady progress.

Risk Management

Life can throw you a curveball—health issues, accidents, job changes. We review your insurance coverage to help protect what you’ve built and the people who rely on you. It’s not about buying more, it’s about making sure the basics are covered.

College Savings

We’ll help you figure out how much to save, what types of accounts make sense, and how this goal fits in with everything else you're working toward. It's not just about affording college—it's about doing it in a way that doesn’t derail your retirement or other plans. We’ll help you find that balance.

Late-Stage College Funding

If college is just around the corner, we’ll help you figure out how to pay for it without wrecking your retirement or cash flow. We look at savings, financial aid, loans, and school selection—all with your full financial picture in mind. It’s about making smart decisions with the time and resources you have now.

Student Loan Planning

Whether you're just starting repayment or looking to refinance, we help you make a clear, strategic plan for your student loans. That includes walking through your repayment options, income-driven plans, and how the loans fit into your broader goals. It's not about eliminating debt overnight—it’s about creating a smart path forward that still leaves room for progress in other areas.

Intergenerational Legacy Education Funding

If helping your kids—or grandkids—pay for school is part of your legacy, we’ll help you plan for it in a way that fits your financial life. We look at smart ways to gift, save, and invest that can support education across generations. It’s about creating opportunity while staying grounded in your own goals.

Charitable Giving Strategies

For clients who want to give back, we help build giving into the financial plan—whether through donor-advised funds, direct gifts, or other strategies. It’s not just about writing a check—it’s about aligning giving with your values and tax situation. We’ll help you give in a way that’s meaningful and smart.

Home & Real Estate Planning

Whether it’s buying your first home, upgrading, downsizing, or investing in real estate, we help you look at how these decisions fit into your bigger financial picture. We’ll talk through financing, cash flow, and long-term impact. Real estate is a big move—we make sure it’s a smart one too.

Business Owner $ycronization Planning

If you own a business, your personal and professional finances are deeply connected. We help you plan around cash flow, taxes, retirement savings, and exit strategies in a way that supports both sides. Whether you’re growing, selling, or just starting, we’re here to help you think it through.

Major Life Transitions

Divorce, loss of a spouse, career changes—big life shifts bring financial questions. We guide you through the emotional and financial side of change with clarity and care. It’s not just about numbers—it’s about helping you feel stable in the middle of uncertainty.

Personal Financial Planning

Asset Protection

You work hard to build your wealth—we help you think through how to protect it. That means looking at insurance, legal structures, and smart planning to reduce risk. It’s not about being paranoid—it’s about being prepared.

Credit Card Strategy

Used wisely, credit cards can be a tool—not a trap. We help you understand how to manage balances, improve your credit score, and possibly earn rewards that actually fit your lifestyle. This isn’t about chasing points—it’s about using credit with a plan.

Tax-Efficient Accumulation and Withdrawal Strategies

We help you save and take money out in a way that keeps more in your pocket. That means choosing the right accounts and timing your withdrawals in a smart, tax-aware way. It’s not about beating the tax system—it’s about working within it to make the most of what you’ve built.

Investment Allocation and Diversification Strategies

Your investment mix should reflect your goals, time frame, and comfort with risk—not the latest market headlines. We help you spread your investments across the right areas so you're not overexposed to any one risk. This creates a steadier experience and keeps your plan focused on the long term.

Planning for Health Care Costs

Healthcare can be one of the biggest expenses in retirement or during major life changes. We help you estimate future costs, understand your options (like Medicare or HSAs), and make sure this part of your plan doesn’t get overlooked. The goal is to feel prepared, not surprised.

Major Purchase Planning

Whether it's a home, vacation property, or dream renovation, we help you plan for big purchases without derailing your financial progress. That includes timing, funding options, and how the purchase fits into your overall strategy. It's about making big moves with confidence, not regret.

Legacy, Charitable, and Philanthropic Planning

If giving back or leaving something behind matters to you, we help you do it in a thoughtful and tax-smart way. That might mean setting up a donor-advised fund, making direct gifts, or working with your estate plan. It's not just about money—it's about making an impact in a way that feels right to you.

Relocation Decisions

Moving—whether to a new state, downsizing, or heading somewhere for retirement—can impact taxes, cost of living, and your lifestyle. We help you weigh the financial trade-offs and plan for a smooth transition. The goal is to move with clarity, not questions.