Money is Personal – So is Planning.
Money is not simply dollars and cents summed at the bottom of an account statement. It’s a tangible representation of your needs, wants, and wishes, and it reflects the hopes and dreams – both spoken and unspoken – you have for yourself and your loved ones.
Growing up in a farming family, you become very aware of the seasons. Now, I work with my clients to manage their wealth through all seasons of life. Whether you’re just starting to accumulate wealth or approaching retirement, I can partner with you and provide resources curated to your specific needs.
What We Do
Our Services
Spring – Getting Started
- Clarifying your goals and values across your life and finances
- Establishing your financial baseline: income, assets, liabilities, and cash flow
- Creating an initial wealth plan and investment strategy
- Building foundational habits
Fall – Preparing for Retirement
- Refining retirement timelines and distribution strategies
- Shifting from accumulation to preservation and income planning
- Implementing tax-efficient legacy strategies
- Helping confirm estate, beneficiary, and healthcare plans are up to date
Summer – Growing and Maintaining Wealth
- Taking steps to help maximize earnings and savings through tax-efficient strategies
- Managing risk while focusing on long-term growth
- Diversifying investments aligned to long-term goals
- Reviewing progress and adjusting the plan as life evolves
Winter – Enjoying and Passing Along Assets
- Enjoying the lifestyle your plan was designed to support
- Coordinating charitable giving and legacy goals
- Transferring wealth efficiently and intentionally
- Creating continuity and confidence for future generations
The Lifesync® Process
I lead you through a comprehensive planning process to fully understand your current financial picture. Together, we’ll clarify your personal and financial goals and identify risks to your plan’s success.
01 Understand
WHAT ARE THE THINGS YOU VALUE MOST?
We work together to uncover your goals and time horizons as we get to know each other better. Knowing the intricacies of your life can help me make informed decisions on which strategies and solutions can help you reach your goals.
02 Plan
HOW CAN YOUR MONEY MAKE THE MOST IMPACT?
I take an objective research approach to your portfolio construction that’s guided by the results of your plans. Because our firm adheres to a concept called “open architecture,” I have the freedom and flexibility to choose investment solutions that I believe best fit your needs.
03 Propose
WHAT ARE YOUR OPTIONS AND HOW DO THEY PLAY OUT?
I make sure there is a clear understanding behind each proposed investment solution, and how each of the individual components work together. Helping you understand the “why” behind your asset allocation can help you avoid the pitfalls of emotional investing.
04 Implement
WHAT IS YOUR NEXT BEST STEP?
Once we agree on how to move forward, I help construct your tax-advantaged portfolio and develop tax-favorable strategies for saving and investing.
05 Revisit
ARE YOU STILL ON TRACK?
Through regularly scheduled contact and reviews, you can verify if your investments are in line with your stated investment objectives. We can discuss whether your portfolios are performing in line with benchmarks and general expectations.
CFP® Designation
As a CERTIFIED FINANCIAL PLANNER® professional, planning is the foundation for my investment recommendations and ultimately your portfolio design. I offer complete plans that look at both sides of your balance sheet and include the following components, as applicable:
- Prioritization and documentation of goals
- Overview of personal net worth and personal balance sheet computation
- Cash flow analysis (and emergency cash savings analysis)
- Liability management, including debt repayment strategies
- Education/college planning
- Asset allocation review and evaluation
- Review of retirement savings strategies, and retirement income/liquidity planning
- Life insurance needs analysis, including current policy reviews
- Risk analysis to develop a risk management plan
- Tax planning strategies, including investment tax minimization, intra-state relocation computation, and charitable giving
- Health and extended care planning
- Estate planning strategies, including estate valuation estimates, federal estate tax estimates, wealth-transfer goals, and explanation of estate planning strategies