Four parts of your money, planned as one.
When you claim Social Security changes your taxes. Your taxes change which account to draw from. Which account you draw from changes how long the money lasts — and what your family inherits. We plan them together because they do not happen separately.
Distribution planning
Turning savings into a paycheck: how much you can safely spend, which account to draw from first, when to claim Social Security, which pension option to take, and how to cover the essentials with income that does not depend on the market.
Distribution planningInvestment management
We manage the money behind the plan, in accounts held in your name at Schwab or Fidelity. Avoiding a big loss comes ahead of chasing a big gain.
Investment managementTax planning
What you will owe, your low-tax years, required withdrawals and giving — planned before the deadlines instead of discovered after them.
Tax planningEstate and legacy
The right names on the right accounts, what your heirs will owe in tax, protecting your spouse, and working alongside your estate attorney.
Estate and legacyNot sure which of these you need?
That is what the first call is for. Tell us what you are trying to do, and we will tell you which of these matters most for you right now — and if the honest answer is that you are fine, we will say so.
