S E R V I C E S
Two ways to work together. Both get all of me.
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Some clients want a partner across every corner of their financial life. Others have their plan and simply want their investments managed with discipline. I'll tell you plainly what each includes, and help you figure out which one you actually need.
A T A G L A N C E
Which path fits how you want to work?
| Complete Wealth Management | Investment Management Only | |
|---|---|---|
| The CLEAR process | The full framework, applied to your entire financial life | A focused version: enough discovery to build a portfolio that actually fits you |
| Financial projections | ✓ | ✓ |
| Investment management | ✓ | ✓ |
| Tax Loss Harvesting | ✓ | ✓ |
| Complex financial planning | ✓ | — |
| Tax strategizing with your CPA | ✓ | — |
| Legacy & estate coordination | ✓ | — |
| Business owner & real estate planning | ✓ | — |
| Meeting cadence | Quarterly, or a schedule that fits | A schedule that fits, at least annually |
| Fee | See the full fee schedule | See the full fee schedule |
Only need a written plan, or help thinking through a single decision? I do that too. Reach out to discuss what you need help with, and we’ll figure out a flat fee based on the amount of time it will take to work through.
◆ T E S T E D I N R E A L M A R K E T S
I've built and managed every client portfolio myself for my entire advising career. I’ve helped clients navigate through the fastest bear market in history, a global pandemic, a year when stocks and bonds fell together, the sharpest rate-hike cycle in four decades, and every panic headline in between.
I've also spent those years designing retirement income for people actively living on their portfolios, where the plan has to hold up in real time, not just on paper.
◆ P A T H O N E
Complete Wealth Management
Comprehensive planning and investment management, working as one. This is for anyone who wants a professional in their corner. Whether that means working toward a single goal or coordinating a complex financial life with a business, real estate, equity comp, a family to provide for, and an exit on the horizon.
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When you can step back, what it takes to get there, and how your wealth turns into reliable income when you do.
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Reinvest vs. diversify, solo 401(k)s, employing your kids, valuing what you've built, and one day, exiting on your terms.
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Coordinating with your CPA, I assist with strategizing everything from potential tax deductions to entity structure, retirement plan design, and donor-advised funds for low-basis stock.
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Residential or commercial, I use my personal experience to run the numbers the way I run them on my own properties, before you commit.
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Disciplined, low-cost portfolios built around the money you can't afford to get wrong.
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Working alongside your attorney so what you've built transfers the way you intend, including philanthropy to the organizations you feel most connected.
Full-service clients meet with me quarterly, or on a schedule that feels good all around, and reach me directly whenever something comes up: a contract, an offer, a decision that can't wait. I’m the person you call.
◆ P A T H T W O
Investment Management Only
For people who feel settled in their plan and simply want their portfolio managed with skill and discipline, all at a lower fee that reflects the narrower scope. We meet periodically, but at least annually, to review performance, fees, and anything in your life that's changed, and I make sure your investments still match your plan. What this path doesn't include is the deep ongoing work involving tax strategy, estate coordination, business and financial planning. I'd rather tell you that here than surprise you later
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Mostly low-cost ETFs where markets are efficient, hands-on management where it pays to be. Diversification across the US, international, emerging markets, fixed income and across market cap ranges within each. Individual stocks only in small, deliberate doses. The goal is simple: keep fees low, stay disciplined, and never gamble with the money that funds your life.
◆ Y O U R F I N A N C I A L L I F E
S I M P L I F I E D
Choose to work with me, and I’ll handle it from there.
Wealth at this level touches accountants, attorneys, lenders, and insurance, and someone has to make sure everybody’s on the same page. That's me. If you don't have those professionals yet, I'll connect you with people I trust.
I lead the conversations with your CPA and attorney
I translate the jargon and sit in the meetings with you
I keep every strategy aligned with the whole picture
Not sure which path fits?
That's exactly what the first conversation is for.