Our Services
Financial planning, investment management, retirement, risk management & Insurance, estate, cash flow & debt management, , and tax planning—all working together so you can stress less about money.
Your financial situation is yours—it's not going to look like your neighbor's or your brother's. So your plan shouldn't be cookie-cutter either.
Getting All Your Financial Ducks in a Row
This is the foundation of everything we do. We're talking about a real plan that covers:
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Retirement Planning: Can you retire when you want to? How much will you need? How do you make sure the money doesn't run out?
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Tax Strategies: Ways to legally pay less in taxes—Roth conversions, timing income, tax loss harvesting, & being tax efficient with your investment accounts
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Social Security: When should you take it? (Spoiler: it's not always at 65, and the wrong choice can cost you big)
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Estate Strategy: Making sure your money goes where you want it to go without your heirs paying a portion of it to lawyers or taxes
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Cash Flow & debt management: Understanding where your money's actually going, how to optimize saving, and paying down debt
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Insurance and Protection: Do you have enough? Too much? The right kind?
Life Events That Bring People to Us:
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Getting ready to retire in the next few years
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Your parents passed and left you their retirement accounts
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You sold your business (or you're about to)
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You're making good money but feel like you're spinning your wheels
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Job change and you've got 401(k) decisions to make
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Big purchase coming (second home up in the mountains, investment property)
Financial Planning
Investing your money that aligns with what you want
Investment management isn't just about picking a fund and hoping for the best. It's about building a portfolio that makes sense for where you're headed.
What That Looks Like:
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Portfolio Building: We figure out the right mix of investments based on when you need the money and how much risk you can tolerate
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Tax Management: Harvesting gains & losses, putting the right investments in the right accounts—all the tax-smart moves
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Keeping an Eye on Things: Regular check-ins and rebalancing so your portfolio doesn't drift off course
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Reporting: Clear info about performance and progress toward your goals (not just a bunch of numbers)
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The Big Picture: Your investments work with your overall plan, not as some separate thing
Why Our Approach Is Different:
We don't manage your investments in a vacuum. Every decision we make considers your complete financial picture, your tax situation, and your life goals. When we meet up, we're not just talking about how the market did last quarter—we're talking about whether your money is helping you get where you want to go.
Investment Management
Making Sure Your Money Lasts as Long as You Do
This is the big concern for just about everyone getting close to retirement: "Will I run out of money?"
We build retirement income strategies so you can actually enjoy retirement without constantly worrying about going broke.
What We Cover:
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Distribution Strategies: Which accounts to pull from first to minimize taxes and make everything last longer
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Social Security Timing: When you and your spouse should claim to maximize lifetime benefits
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Pension Decisions: If you've got a pension, figuring out lump sum versus monthly payments
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RMDs (Required Minimum Distributions): Dealing with those mandatory withdrawals without unnecessary tax pain
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Healthcare Costs: Medicare planning and figuring out what healthcare will actually cost
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Legacy Goals: Balancing living your life with leaving something to your kids, grandkids, or charity
Retirement Income Planning
Keeping More of Your Money
Having tax services in the same building is a game-changer. It means we're not just thinking about your taxes once a year—we're looking for ways to save you money all year long.
How This Helps:
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Finding tax-saving opportunities throughout the year, not just in April
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Coordinating your investments while minimizing tax implications
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Planning Roth conversions in low income years
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Structuring business owner compensation to minimize taxes
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Managing when you realize capital gains and losses
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Maximizing charitable giving impact
Especially Helpful If You're a High Earner:
If you're a doctor, dentist, business owner, or receiving a solid six-figure income, tax planning might be one of the most valuable things we do for you. We're talking about keeping more of what you earn through smart planning—not just filling out forms.
Tax Planning & Strategy
Planning First, Not Products
Most Financial Advisors are hired to watch your account without a strategy behind it. We focus on planning, and investment management is part of that.
So when we meet, we're asking:
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What's new in your life?
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How does that change your plan?
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Do we need to adjust anything?
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Are you on track?
Not just:
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Here's your balance
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Here's your return
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See you next year
Our Approach
Find Out in Just a Few Minutes with Our Free Retirement Readiness Scorecard
Take the guesswork out of your future. Our Retirement Readiness Scorecard helps you quickly identify strengths and gaps in your retirement plan—from income and tax strategy to healthcare and legacy planning. In just a few minutes, you’ll see where you stand and discover the next steps to build a confident, worry-free retirement. Download your free scorecard and get started today!
Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
How Ready Are You for Retirement?
