Who We Work Best With
We work with all kinds of families, but we're especially good at helping four groups: people getting ready to retire, people in retirement, high-income professionals, and business owners navigating a sale.
We'll talk to anyone who reaches out. But over the years, we've found our services really hit home with four specific groups of people. If you're in one of these categories, reach out and let's see how we can help
One of the Biggest Transitions You'll Ever Make
If retirement's coming up in the next five years or so—or you just pulled the trigger—you're dealing with some seriously important financial decisions:
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When should you start Social Security?
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How do you turn your nest egg into actual income you can live on?
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Which accounts do you take from first?
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What about healthcare until Medicare kicks in?
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When do I have to take a Required Minimum Distribution?
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How do you enjoy retirement without worrying you'll run out of money?
These aren't questions you want to wing
We help pre-retirees and recent retirees navigate all of this with confidence. The goal is sustainable income, lower taxes, and peace of mind that you're not going to outlive your money.
Common Situations:
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Teachers and government employees retiring from years of service
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Corporate professionals with stock options transitioning out of their careers
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Recent retirees adjusting to living off savings instead of a paycheck
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Couples trying to coordinate Social Security and pension choices
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Anyone dealing with inherited retirement accounts from parents while planning their own retirement
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Thinking about semi-retirement or a second career in the mountains
Individuals Getting Ready to Retire (Or Just Retired)
Building Wealth While minimizing taxes
If you're a physician, dentist, business executive, or any professional making a high income, your financial challenges are different.
You're probably dealing with:
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A tax bill that makes you wince every year
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No time to manage investments yourself
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Complicated compensation—bonuses, stock options, deferred comp
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Questions about whether you're saving enough
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Wondering if your investment strategy even makes sense
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Concerns about protecting what you've built.
You need more than just someone to manage investments—you need someone who gets the whole picture.
How We Help High-Income Professionals:
We help high earners build wealth efficiently:
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Tax-smart investing that minimizes the annual tax hit
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Real financial planning covering everything from emergency funds to retirement to that mountain cabin you want to buy
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Proactive tax planning beyond basic preparation—saving you real money
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Cash flow optimization so you're saving hard without feeling broke
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Protecting your wealth as you build it
You're in your peak earning years. Let's make sure you're making the most of it while building toward financial independence—whether that means retiring early or just having options.
High-Income Professionals
Planning for Your Biggest Financial Event
Selling your business? That's probably the largest paycheck you'll ever see. The decisions you make before and after the sale can have massive implications for the rest of your life.
If you're planning to sell or just sold, we help with:
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Understanding the tax hit from your sale structure
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Strategies to minimize what you owe the IRS
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Creating an investment plan for suddenly having a lot of cash
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Shifting from "business owner" mindset to "investor" mindset
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Planning for income if you're done working after the sale
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Coordinating with your attorney and CPA on the whole transaction
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Planning Before You Sell: If you're a few years out from potentially selling, smart planning now can save you serious money later.
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After the Sale: Just sold? You're probably wondering what to do with the proceeds, how to handle the tax bill, and how to make sure this money takes care of you for the rest of your life.
Business Owners
Beyond these main groups, people often find us when life throws them a financial curveball:
Inheritance
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You inherited IRAs, 401(k)s, or other accounts and you're not sure how to handle them tax-efficiently
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You need to understand required distributions and what you'll owe
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You are unsure of how the assets you now own are taxed
Job Changes
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New job with a complicated compensation package
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Deciding what to do with your old 401(k)
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Evaluating your new employer's retirement options
Life Changes
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Divorce and rebuilding your financial plan
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Losing a spouse and managing money on your own
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Growing family and thinking about college savings
Life Events That Bring People Through Our Door
We are not a fit for everyone
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You're mainly looking for the cheapest investment management with no planning
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You want us to manage a portion of your retirement assets, planning involves the whole picture.
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You're into specialized stuff outside our wheelhouse (like day trading,, crypto focus)
Who We're Probably Not Right For
