A complete view of your financial life.

The Situation

Most of our clients arrive with capable but fragmented financial lives — a 401(k) at one firm, an IRA at another, a taxable account at a third, an estate plan written in 2014, a CPA who hasn’t talked to the advisor in three years, and a vague sense that the pieces don’t add up to a plan. They’ve succeeded at accumulation; what they lack is integration.

Comprehensive wealth planning is the discipline that knits the pieces together. It is the engagement we begin every relationship with, because every other decision — when to retire, when to sell company stock, how to structure a gift, which account to draw from first — depends on the integrated view that only this plan provides.

What We Deliver

• A consolidated balance sheet across every account, asset, and liability
• Cash-flow modeling through your full planning horizon, in real and after-tax terms
• Goal-by-goal funding analysis (retirement, education, legacy, charitable)
• Tax-allocation review across taxable, tax-deferred, and tax-free buckets
• Insurance and risk-management audit (life, disability, umbrella, long-term care)
• Estate-plan summary tied to current law, refreshed each year
• An annual Stress Test^™ against the scenarios that worry you most
• A written executive summary you can hand to your CPA and estate attorney

Common Questions We Hear

• Are we actually on track, or have we been guessing?
• What’s the one decision we should be paying attention to this year?
• How do we make sure our advisor, CPA, and estate attorney are pulling in the same direction?

The Situation

You’ve spent thirty or forty years accumulating. You have not spent thirty or forty years decumulating, and the muscle memory for the next phase doesn’t exist yet. The math of retirement is fundamentally different from the math of saving: sequence-of-returns risk replaces compounding, healthcare bridge years (62 to 65, before Medicare) create a tax planning window most advisors ignore, and Required Minimum Distributions at 73 lock in tax exposure that should have been managed a decade earlier.

The clients we serve here are usually within ten years of the transition and want one question answered honestly: does the plan actually hold?

What We Deliver

• A 30-year withdrawal sequence across taxable, IRA, Roth, and 401(k) accounts
• Roth conversion modeling during low-income bridge years
• Social Security claiming analysis (yours, spouse, survivor benefit)
• Healthcare bridge plan from retirement age to Medicare eligibility
• Medicare Parts A/B/D and supplement coordination at 65
• RMD projections and pre-RMD tax planning strategies
• Pension and annuity election analysis, where applicable
• Plan durability tested against 2008-style and 1970s-style market scenarios

Common Questions We Hear

• Can we actually retire at 62 — or do we need to work to 65?
• How much can we spend each year without running out?
• What happens to the plan if the market drops 30% the year I retire?

The Situation

You’ve been paid in stock — RSUs that vest quarterly, ISOs that need AMT analysis, NQSOs with grant prices that no longer make sense, an ESPP you’ve been auto-enrolling in for a decade. The position is now significant enough that the math has changed: a single company represents 40% or 60% or 80% of your liquid net worth, and the same growth that built the position now defines the risk.

Most advisors treat equity comp as a tax problem after the fact. We treat it as a planning problem before the fact — coordinating vest schedules, insider windows, AMT exposure, and diversification timing into a single decision framework.

What We Deliver

• Rule 10b5-1(c)(1)(ii) plans drafted with you and your insider-trading counsel
• RSU vest projections and net-of-tax cash flow modeling
• ISO exercise strategy with AMT and qualifying-disposition analysis
• NQSO exercise timing across multiple tranches and tax years
• ESPP disposition planning (qualifying vs. disqualifying)
• Section 83(b) election review for restricted equity grants
• Concentrated-position diversification via direct sale, exchange fund, or charitable structures
• Coordination with your corporate stock administrator and insider-window calendar

Common Questions We Hear

• How do I diversify without triggering an enormous one-year tax bill?
• Should I exercise my ISOs this year or wait — and what does AMT cost me either way?
• Can I sell during a closed window if I set up a 10b5-1 plan now?

The Situation

You’ve built enough that the question is no longer do we have enough? It’s how do we move it to the next generation without breaking either the wealth or the family? The federal estate exemption is at a generational high but scheduled to sunset; state-level estate taxes vary; and the documents that worked at $4M don’t work at $14M. Meanwhile, the conversations across the table — between parents and adult children, between generations — have usually not happened at all.

This is the work that requires both technical precision and human patience. We coordinate the legal structure with your estate attorney and the tax position with your CPA. We sit at the family table.

What We Deliver

• Estate plan review against current federal exemption and sunset projections
• Generation-skipping transfer (GST) trust structuring with your estate counsel
• Spousal Lifetime Access Trust (SLAT) and Grantor Retained Annuity Trust (GRAT) analysis
• Lifetime gifting plan using annual exclusion and exemption
• 529 and dynasty-trust structures for grandchildren
• Charitable structures (CRT, CLT) coordinated with the giving plan
• Beneficiary review across retirement accounts, life insurance, and trust schedules
• Family meeting facilitation — values, expectations, mechanics

Common Questions We Hear

• How much can we give the kids without changing how they live?
• Should we use the exemption before it sunsets, or hold and see what Congress does?
• How do we have the family conversation we’ve been avoiding for ten years?

The Situation

You’re already generous. What’s usually missing is structure. The standard deduction reform has changed the math of cash giving for most households, while strategies like Donor-Advised Funds, Qualified Charitable Distributions, and appreciated-asset gifts have become disproportionately powerful for households at your scale. A high-income year with an equity event is exactly the wrong moment to give cash and exactly the right moment to bunch deductions, fund a DAF, or gift long-held stock.

For clients over 70½, QCDs from an IRA can satisfy a Required Minimum Distribution without creating taxable income — a strategy that’s been on the books for years but is still underused.

What We Deliver

• Donor-Advised Fund setup and annual funding strategy
• Qualified Charitable Distribution (QCD) calendar tied to RMDs
• Appreciated-stock gifting to eliminate capital gain at transfer
• Deduction-bunching analysis across multi-year giving horizons
• Charitable Remainder Trust (CRT) and Charitable Lead Trust (CLT) modeling
• Private foundation vs. DAF comparison, where relevant
• Coordinated giving across the family balance sheet and tax plan
• Annual giving review tied to the year’s tax and income picture

Common Questions We Hear

• Should we fund a DAF this year while income is high?
• Can I give my RMD straight to charity and skip the tax?
• Do we need our own foundation, or is a DAF doing the same job for less?

The Situation

The portfolio is where most clients first interact with the industry — and where most of the industry’s worst incentives hide. Proprietary funds that pay the advisor. Share classes priced for the firm, not the client. Allocations that drift because no one is responsible for rebalancing. Performance benchmarks that conveniently match whatever the portfolio happens to own.

We’ve built the opposite. Open architecture (we can use whatever instrument fits your situation, not what pays us a commission). Evidence-based construction grounded in academic research and decades of market data. Tax-aware execution, because realized gains are real and unrealized ones aren’t. And full transparency on cost — internal expense ratios, trading costs, advisory fee — so you can see the whole bill.

What We Deliver

• Custom asset allocation modeled to your plan and risk capacity
• Open-architecture security selection (ETFs, mutual funds, separately managed accounts)
• Tax-loss harvesting in taxable accounts on an ongoing basis
• Asset-location optimization across taxable and tax-deferred buckets
• Quarterly rebalancing to drift tolerances set in your investment policy
• Direct indexing where the position size and tax situation warrant it
• Concentrated-stock and legacy-position management coordination
• Full reporting via Fidelity custody — your statement, your name, your access

Common Questions We Hear

• Why pay an advisor when I can buy a target-date fund myself?
• How do I know you’re not just picking what pays you?
• What does my all-in cost actually look like — expense ratios plus your fee?