We help business owners and highly compensated professionals achieve their most important financial goals in alignment with relationships and values that matter most to them.

Our clients are business owners and high income earners committed to organizing their financial life and building a financial roadmap for their life's journey. Importantly, they demand that this process be done in an objective and transparent manner without sales pitch or hidden agenda. To this end, we provide holistic and unbiased financial guidance to our clients, and help them achieve their most important financial goals in alignment with people and values that matter most to them.

Your Financial Concerns

As an owner of a business (or a professional practice), you find yourself diligently working in your business but not on your business nearly enough. You also have not found time to plan for and contemplate what your life might look like after you leave your business. You ask yourself questions like: How much is my business worth? Can I grow the value of my business so I can maximize its price? Will the net after-tax proceeds be enough to support my lifestyle I want after I walk away and leaven some assets for my heirs? What kind of lifestyle do I want anyway? And so on.

Or, as a highly compensated professional, you recognize the need to find ways to lower income tax, start saving for retirement and your children's education. Perhaps you are getting started in your professional career with a substantial student loan balance and about to take on even more debt with a plan to buy your first house and thinking about starting a family. Or, you may be established in your career, and you want to make sure you can retire comfortably while raising a teenager and paying for your child's college education and caring for your aging parents.

Perhaps you are nearing retirement, and thinking about spending down your nest egg while earning little or no income makes you nervous. You and your spouse have a family history of longevity, so you are concerned about outliving your money amid rising costs of living during retirement.

How We Help

As seasoned and credentialed advisors, we help address your unique financial concerns by providing personalized guidance and helping you achieve your most important financial goals in alignment with people and values that are most important to you.

We provide intensely personalized guidance in areas such as:

• Quantifying the resources you need to meet your financial goals
• Organizing disjointed, moving parts of your personal finance
• Making your money last through retirement years
  
• Lowering your tax bills
• Transferring your assets to your heirs and/or charities efficiently
• Optimizing your Social Security and Medicare benefits
• Caring for yourself (or your spouse or parents) in the latter part of life
• Managing a diversified, efficient investment portfolio
• Preparing your business for sale or transfer
• Providing sensible executive benefits to motivate your management team to stay beyond sale or transfer
• Protecting and preserving your business value by safeguarding your business against the unexpected
• And other financial concerns that are unique to you

Your business may be the most valuable asset you own. Growing and monetizing its value can be vital to achieving your goals. We work closely with outside professionals to provide guidance.

• Evaluate the value of your business and its impact on your lifestyle and how much you can leave to heirs/charities
  
• Set concrete goals and make actionable plans to achieve them
• Make plans to increase the value of your business—building a strong management team, developing a growth strategy, implementing processes, and so on
• Provide sensible compensation and benefits to retain your key employees
• Make provisions to safeguard your business from the unexpected

Articulating your goals in alignment with people and values that matter most to you helps you gain clarity and focus. We guide you through both the planning and implementation process.

• Articulate people and values that are most important to you
• Set goals in alignment with people and values that are most important to you
• Calculate, analyze, and quantify the amount you need to meet your goals
• Make plans to achieve your goals
• Make provisions to protect your (and your family's) lifestyle from death or disability
• Arrange and monitor your finances so you can minimize taxes where you can
  
• Manage your investment portfolios in alignment with your goals

Walking away from work doesn't have to mean retirement, but simply a relaunch of your life. We help manage your life and finances after you leave your business or profession.

• Be able to financially support your plans to stay active and relevant, like getting involved in more "meaningful" endeavors or even starting a new business
  
• Arrange and monitor your finances to help ensure that your money lasts through your lifetime to continue to support your goals and desired lifestyle
• Make sensible provisions for rising healthcare and long-term care costs
• Optimize your Social Security and Medicare benefits
• Maximize what you leave to your heirs in alignment with your deeply held values.