We regularly review and advise on all aspects of your company stock: restricted stock, incentive stock, performance shares, stock purchase plans, and more. We are your go-to resource for questions about stock compensation.
Planning & Priority Setting
This is where we discuss what matters most to you. What are you trying to accomplish? What concerns you? What’s top of mind? We prioritize and address the most pressing issues first.
Once our clients reach the “work optional” stage of life, we want them to feel confident they will not run out of money. We work out all the details. How much can be safely spent? What accounts to withdraw from? What will taxes look like? And more.
Net Worth & Cash Flow
We track our clients net worth, income, and spending over time. We also help our clients automate their day-to-day finances and money flows to minimize stress and maximize efficiency.
Decisions involving real estate can have major financial implications. If you’re curious about how much home you can can afford, what mortgage makes sense, or if you should refinance, we’re here to help.
Forward-Looking Tax Planning
We’ll review your tax return and assess your current-year situation to analyze what can be done to lower your current or future taxes. We also work directly with your CPA to provide a team-oriented approach.
We’ll review your current insurance policies to look for areas of cost savings and where you may be over- or under-insured. We want our clients to have coverage where they need it for the risks that matter most.
Employee Benefits & 401(k) Review
We’ll regularly review your company retirement account and employee benefits to make sure you’re getting the most from what is offered.
We start by learning about you and your current finances.
The goal is to learn where you are today, how you got here, what problems and questions you have, and where you want to be in the future.
How do you currently manage your money?
What did you observe about money growing up?
Is there anything about your finances that keeps you up at night?
What do you expect from a relationship with a financial planner?
Once we have a clear picture of your finances and aspirations, we create actionable steps to turn your goals into reality.
We prioritize and get to work on the most important questions you’re facing. We also discuss how your money will be invested so that it earns the return you need.
An important part of our ongoing relationship is to monitor the progress towards your goals. During these meetings we will check in on questions such as:
- What parts of your plan have changed? What is unchanged?
- How are your investments doing? Are they performing in line with our expectations so you can achieve your financial goals?
We’ll review your situation 1 – 4 times per year, depending on your preference, to make sure you’re headed in the right direction.
Our Core Beliefs
Beating the market
Is Highly Unlikely
Instead, fully capture market returns using passive funds. Passive funds provide better returns than the vast majority of actively-managed funds.
Between Stocks and Bonds
Own stocks for growth. Own bonds for income and reduced volatility. Strike a balance based on your time horizon, goals, and risk tolerance.
Own a mix of assset classes in the US and internationally. This will reduce the volatility of your portfolio and improve returns over time.
Success in investing takes time. Keep a long-term outlook and ignore the noise.
Minimize redundant accounts and funds.
Minimizing the cost of investing, both advisor fees and investment portfolio costs, allows you to keep more of what you earn.
Use tax-efficient exchange-traded funds. Do not trade frequently. Harvest losses to offset against future gains.
So your portfolio stays in line with the risk and return profile you are comfortable with.
On What You Can Control
You can’t control the financial markets. There are, however, many other things you can do to improve your investment experience and outcome.
“So many investors, brokers, and money managers hate to admit it, but the best place for the average retail investor to put his or her money is in index funds.”