Financial planner focused on low-cost, tax-efficient approaches to retirement & investing

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TRUST

We are a research-based investment advisory firm that focuses on financial planning. Our analytical background and experience help us develop innovative strategies for reducing costs, taxes, and risk.

TRUST

Fiduciary versus suitability standard
Assets held at a 3rd-party custodian (Charles Schwab)
Transparency versus disclosure

COMPETENCE

We uphold a fiduciary standard in all dealings with clients. Our independence and lack of affiliations with broker-dealers eliminates many of the conflicts of interests inherent in other firms.

COMPETENCE

25+ years investment & planning experience
Mathematics PhD with an actuarial background
Recognized thought leader with published research

SERVICE

We focus on education rather than sales. Put simply, we find that educating our clients and simplifying their financial affairs is the best approach for maximizing their peace of mind.

SERVICE

Truly personalized service
Educational approach
Peace of mind via simplicity

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Client Profiles

The client profiles and strategies depicted below are hypothetical, but are representative of the types of clients I work with and provide examples of techniques I regularly employ as a financial planner.

RETIREMENT FOCUS

I construct low-cost, tax-efficient income strategies and manage risks that can derail financial security during retirement.

WORKING & SAVING

I enjoy helping people achieve financial security and target long term goals by building and executing robust financial plans.

BUSINESS OWNERS

I develop innovative solutions to maximize financial planning opportunities available to business owners and entrepreneurs.

ENGINEERS & ANALYSTS

Analytical clients appreciate my applied math PhD as I can delve into the mechanics of investing and financial planning.

Our Services

Personal CFO

My goal is to provide you with the peace of mind of knowing your financial affairs are being managed with the expertise and care you deserve. This allows you to prioritize more time and focus on the aspects of your life you determine to be most important – retirement, family, entrepreneurial endeavors, philanthropy, etc.

Hourly / Fixed Fee Consulting

If you are looking for guidance or consulting services, I can work on an hourly or fixed-fee basis. When considering a fixed-fee, I will estimate the scope of work required and provide a proposal prior to engagement. This arrangement typically works best for those DIY types who would like to leverage my expertise and objectivity but can manage their own portfolios and financial planning logistics (withdrawals, transfers, RMDs, Roth conversions, etc.).

Life Insurance & Annuities

As the old adage says, life insurance is sold – not bought. I believe this goes for annuities as well. In my experience, the commission-based nature of these products motivates agents to sell them even when more optimal solutions or products may be available.

I focus on education – not sales. Whether you are considering the purchase of or evaluating an annuity or life insurance policy you already own, I can help you assess personal need and determine which, if any, product is most suitable for your situation