Comprehensive Financial Planning
Retirement raises questions most people have never had to answer before. Will my money last? When should I claim Social Security? How do I minimize taxes in retirement? What happens to my spouse if something happens to me?
I help you answer those questions with a clear, written plan that addresses every part of your financial life:
- Retirement income planning — Building a sustainable paycheck from your portfolio, Social Security, pensions, and other sources.
- Tax planning — Coordinating Roth conversions, withdrawal sequencing, and tax-aware decisions across your accounts.
- Risk and insurance review — Making sure life, disability, long-term care, and property coverage actually match your needs.
- Estate and legacy planning — Coordinating with your attorney to ensure your wishes are honored and your family is protected.
- Healthcare and Medicare planning — Navigating Medicare decisions and planning for healthcare costs in retirement.
Plans are reviewed and updated regularly — because life changes, tax law changes, and so does your plan.
Investment Management
Your portfolio is the engine that funds your retirement, your legacy, and the life you want to live. It deserves serious, disciplined management.
I build portfolios designed around your goals, your timeline, and your tax situation, drawing on a PhD-level foundation in portfolio theory, asset allocation, and risk management. Every position has a reason. Every dollar has a job.
What that looks like in practice:
- Goals-based portfolio design — Your allocation reflects your retirement income needs, time horizon, and risk tolerance, not a generic model.
- Tax-aware investing — Asset location, tax-loss harvesting, and withdrawal sequencing are built into the strategy, not bolted on at year-end.
- Disciplined rebalancing — Markets move. Your plan stays on course through systematic, unemotional rebalancing.
- Cost-conscious construction — Low-cost, transparent investment vehicles wherever possible. You shouldn't pay for performance you're not getting.
- Ongoing review — Your portfolio is reviewed regularly and adjusted as your life, the markets, or the tax code changes.
Investment management without a plan is gambling. A plan without thoughtful investment management is wishful thinking. You need both, and that's exactly what I deliver.
Widow & Widower Transition Planning
Losing a spouse is one of the hardest things a person ever goes through. Trying to navigate finances on top of grief is overwhelming, and the financial decisions made in the first year often have consequences for decades.
I help widowed clients move through this transition with patience and clarity:
- Sorting out accounts, beneficiaries, and immediate cash flow needs.
- Reviewing Social Security survivor benefits and pension elections.
- Reassessing the long-term plan based on a new reality.
- Coordinating with attorneys and CPAs to handle estate settlement.
No pressure to make big decisions quickly. Just a steady hand and a clear path forward.