Financial Planning Services

Retirement is not a finish line, it is a transition that requires a plan as detailed as the one that got you there. I build retirement income strategies that coordinate Social Security, investment portfolios, tax efficiency, and estate considerations so you can plan spending and giving with a clear view of how sustainable your income is.

• Social Security Optimization Strategies
• Retirement Income Planning
• Medicare and Healthcare Cost Strategy
• Roth Conversion Planning
• Required Minimum Distribution (RMD) Strategy
• Legacy and Beneficiary Planning

Investment management means nothing without a plan behind it. Every portfolio I build starts with your tax situation, time horizon, and long-term goals, then gets monitored and adjusted as your life and the markets evolve.

• Custom Portfolio Construction
• Risk Assessment and Tolerance Planning
• Tax-Efficient Investing
• Ongoing Monitoring and Rebalancing
• Equity Compensation and Concentrated Position Strategy
• Asset Location and Account Coordination

Many people pay more in taxes than they need to, not because they are doing anything wrong, but because no one is looking at the full picture. I build proactive, multi-year tax strategies that work across your investments, income, retirement accounts, and estate plan.

• RSU and Stock Option Strategy
• Roth Conversion Planning
• Tax-Loss Harvesting
• Capital Gains Management
• Multi-Year Tax Projections
• Backdoor and Mega Backdoor Roth

Estate planning is not just about what happens when you are gone. It is about making sure the right people have access to the right assets at the right time, with as little lost to taxes and delays as possible. I coordinate directly with your estate attorney to make sure your financial plan and your estate documents are working together.

• Trust Strategies
• Beneficiary Planning
• Wealth Transfer Strategies
• Charitable Giving
• Business Succession
• Estate Tax Minimization Strategy

The right insurance coverage is not about buying products. It is about making sure a single event, whether illness, disability, or death, does not unravel everything you have built. I analyze your coverage gaps as part of your overall financial plan and recommend only what you actually need. Insurance and annuity products are offered through LPL Financial or its licensed affiliates; annuity guarantees are subject to the claims-paying ability of the issuing insurance company.

• Long-Term Care Insurance
• Life Insurance Analysis
• Disability Coverage
• Medicare Supplement
• Annuity Evaluation
• Income Protection Planning

For most business owners, the business is their largest asset and their biggest financial blind spot. I build a personal financial plan designed to stand independent of the business, then layer in ownership structure, exit strategy, and tax planning so both sides of your financial life are working together toward the same outcome.

• Business Succession Planning
• Key Person Risk Planning
• Business Retirement Plan Strategy
• Buy-Sell Agreements
• Deferred Compensation and Executive Benefits
• Exit and Transition Planning