HOW WE DRIVE BETTER RESULTS

  1. 01

    DATA GATHERING

    We get to know you and your family, connect financial accounts, and gather financial documents.

  2. 02

    CURRENT SNAPSHOT

    We draft a net worth and initial cash flow projection, and make sure we have a solid "base case".

  3. 03

    BRAINSTORMING

    Together we identify the key scenarios that seem most interesting or important for you.

  4. 04

    ADVICE PRESENTATION

    We put together a comprehensive plan incorporating those scenarios, and our best ideas and advice.

  5. 05

    ACTION PLAN COMMITMENT

    We agree together on which action items seem most compelling, and which might be deferred or dropped.

  6. 06

    IMPLEMENTATION

    We work together for six months to implement as much as possible, in concert with your other advisers.

  7. 07

    ONGOING ACTION

    Thereafter, you can retain us to update the plan, stay on top of tax planning, and provide ongoing advice and implementation.

WHAT'S IN AN ACTION PLAN?

  • INCOME GENERATION

    • Income reliable and insured (death, disability)
    • Spending known, steady, and sustainable
    • Tax opportunities investigated

  • ASSET ACCUMULATION

    • On track to fund retirement
    • Set-asides for major outflows, extras
    • Large or illiquid assets

  • ASSET PROTECTION

    • Business and rental structures, insurance
    • Health and LTC insurance
    • P&C, umbrella insurance

  • DEBT MANAGEMENT

    • Debt burden / paydown urgency
    • Interest rate risk
    • Frequency of new borrowing

  • CORE ESTATE PLAN

    • Health care power, medical directives, HIPAA
    • Wills, living trust, financial power
    • Title, beneficiaries

  • LEGACY PLAN

    • Gifts to family & friends decided and implemented
    • Gifts to charity decided and implemented
    • Estate tax and other family entities understood and integrated

More detail is provided on the services page.

ABOUT TECHNOLOGY

We use powerful, industry-standard systems for the computations underlying our advice to you. Our advice and ACTION PLANs are written entirely by humans, with no portion ever written by artificial intelligence systems (AI). We do not submit your personal data to any AI platform.

We use AI enthusiastically to improve our business processes. We vibe-coded this website as well as additional tools we use in-house. We are working on ways to simplify the client experience while protecting your personal information.

Some of the industry-standard software systems we use have begun to include AI-powered capabilities within their systems. We ensure our system providers state that they have direct agreements with the AI providers prohibiting retention or disclosure of data, its use in training, and the like. This may apply to eMoney, Zocks, Luminary, or other systems we may use. We take your security seriously and we trust our own personal financial data and analyses to these systems.