Services

Simple, practical plans that align your money with your values.
We start with what matters most—family, purpose, and peace of mind—then build a plan you can actually live with.

What’s included

• Goals & values discovery 
• Cash-flow and savings strategy 
• Risk management review 
• College, home, and major-life planning 
• Annual plan refresh and accountability

Own great businesses, stay disciplined, let time do the work.
We favor ownership over lending—long-term stock ownership guided by evidence, taxes, and your tolerance for risk.

What’s included

• Goal-based portfolio design 
• Tax-aware allocation & rebalancing 
• Behavior coaching through all markets 
• Low-friction implementation and monitoring 
• Transparent reporting

Turn savings into a reliable paycheck for life.
We design a withdrawal strategy that respects taxes, volatility, and your lifestyle—so you can retire to something, not from something.

What’s included

• Sustainable withdrawal plan (guardrails) 
• Social Security & pension timing 
• Tax-smart account sequencing (Roth, IRA, taxable) 
• Healthcare/Medicare and long-term care considerations 
• Contingency planning for “what-ifs”

 Protect what matters, without over-insuring.
We right-size coverage so a bad day doesn’t become a bad decade.

What’s included.

• Life, disability, and long-term care review 
• Umbrella and property/casualty coordination and Evaluation 
• Business owner risk planning (key person, buy-sell) 
• Beneficiary and policy alignment with your plan

Stewardship that outlives us.
Your wealth should carry your values forward. We help you prepare assets and heirs—so the next generation is ready.

What’s included

• Estate plan review & titling coordination 
• Trust funding guidance and beneficiary design 
• Strategic gifting & charitable planning 
• Family meetings and education for adult children 
• Instructions and checklists for executors/trustees