FAQs

We provide advice under a fiduciary standard, which means we put your best interest first when giving financial planning and investment guidance.

We primarily serve pre-retirees, federal employees, tech employees, and business owners. We also work with families who want integrated planning across investments, taxes, benefits, and major life decisions.

A planning relationship can be valuable at inflection points — retirement, a job change, an equity event, a new child, or a business sale. It's also worth considering if you're earning well but unclear on where the money is actually going, or if you want objective, comprehensive advice rather than product recommendations.

Our process is planning-first. We start with your goals, constraints, and timeline, then build an investment and tax strategy around that plan. We focus on practical execution, not just recommendations.

We offer two ways to work with clients, depending on the level of support you need:

Flat Financial Planning Fee

• $2,000 — Comprehensive financial planning

• $3,000 — Comprehensive financial planning plus draft basic will-based estate documents (Will, Power of Attorney and Medical Directive)

• $3,000+ — Advanced planning for complex stock compensation or small business tax planning Investment Management Fee (AUM) Our investment management service includes ongoing comprehensive financial planning at no additional cost.

For taxable and retirement investment accounts, we use a tiered Assets Under Management (AUM) fee structure:

• $500,000 – $999,999: 1.00%

• $1,000,000 – $1,999,999: 0.90%

• $2,000,000 – $4,999,999: 0.80%

• $5,000,000+: Negotiable. Our goal is to provide transparent, personalized planning and investment management tailored to your financial goals and complexity.

Our services are flexible and based on fit, complexity, and scope. During a discovery call, we outline service options and whether there are any minimums for the path that fits your needs.

Our financial planning work can include cash flow and liability planning, risk management and protection planning, tax-efficient investment planning, rental property planning, retirement planning, tax and estate planning.

Yes. We partner with an online provider, Trust & Will, and estate attorneys. Based on your situation, we recommend the right path, either helping you draft basic estate documents through the online provider or referring you to an estate attorney.

We focus on tax planning and do not prepare tax returns in-house. We coordinate with your CPA or tax professional so your planning and filing strategy stay aligned.

Yes. We help federal employees integrate FERS pension planning, TSP contribution and distribution strategy, Social Security timing, FEHB and Medicare coordination, and survivor benefit and insurance decisions.

Yes. We help design TSP strategies aligned with your timeline, risk tolerance, and expected retirement cash-flow needs, including how TSP fits with taxable and IRA accounts.

Yes. We model cash flow, pension estimates, portfolio withdrawals, healthcare costs, and tax impact to help you evaluate whether and when retirement is realistic.

Yes. We help tech employees build a plan for concentrated stock risk, vesting schedules, tax withholding, liquidity, and diversification strategy.

We build a coordinated strategy for tax planning, cash reserve targets, reinvestment and diversification, goal-based allocation for near- and long-term priorities, and charitable and legacy planning where relevant.

Yes. We create planning systems that account for base pay, bonus cycles, and equity variability. So spending, saving, and tax planning stay resilient year-round.

Yes. We help connect business and personal financial decisions so your compensation, tax strategy, and long-term wealth plan work together.

Yes. We help evaluate and implement retirement plan strategies that fit business cash flow, owner goals, and team retention objectives.

Yes. We help owners prepare before a sale or transition by addressing valuation readiness, tax planning, personal cash-flow projections, and post-exit investment strategy.

Start with a discovery conversation. We discuss your goals, current situation, and whether we are the right fit for your needs.

Yes. We work with clients across multiple states, subject to applicable registration and regulatory requirements.

Meeting cadence depends on your plan and complexity. Most clients have structured review meetings plus additional sessions during major transitions or decisions.