Advice is invaluable when you need it.

Let’s put a multi-faceted plan in place.

As your personal CFO, I can work with you to increase your odds of success by helping you make better financial decisions. Together we'll talk through decisions to maximize your liquidity, flexibility, and net worth.


Financial Planning

  • What pace are you currently on?
  • What pace would you like to be on?
  • Let’s work to outline your current pace, and the steps needed to maintain your pace or right the ship.


What does my future look like?

The hard truth is that we are faced with an uncomfortably wide range of future outcomes. If you retire at 65, how much money will you likely have at age 90? The truth is that there is an extremely wide range of outcomes. The future is inherently uncertain, and investing is inherently risky. Let’s work to reduce unnecessary risks and tighten the likely range of outcomes. Further, let's quantify our choices and odds of success.


Personal CFO

  • What mortgage fits my needs and should I pay it off? 
  • How do I finance my next car or home improvement project? 
  • When should I apply for social security, and why?
  • What should I do with my annuities?  
  • Should I pull money from my IRA or after-tax account? 

Personal Withdrawal Strategy

Let’s not be haphazard as to where and when we pull assets from to fund our life. Let’s be disciplined and strategic, aiming to minimize taxes and maximize net worth over time. We will outline where we will be pulling assets from, when we will be pulling from there, and why.  Hint: It's all abut tax efficiency.


In retirement, the person who influences your tax burden the most is your financial advisor.

Tax loss harvesting is the practice of selling securities in taxable accounts that show a loss. It offsets gains elsewhere in the portfolio and can shield up to $3,000 of income per year. We look for losses over the entire year, not just at year end.


The decision to pull money from an IRA or a taxable account matters. Rather than guess, or rotate between the two, we use math and tax law to guide our decisions.


Used wisely, debt structure can increase your liquidity, flexibility and net worth.

We run the math to explain the implications of your financing and payment options for the below scenarios:

  • Picking a mortgage type to finance your next home.
  • Paying down your mortgage faster or slower than required.
  • Financing a $200,000 purchase.

Discover why estate planning is so important.

Contact us for a complimentary evaluation.

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