Who We Serve

Multiple Generations of Families

Millenials & Gen Z

If you are in your 30's or early 40's and are wondering if you are on the right path to financial freedom and/or early retirement, you may have the following questions:

• Am I taking full advantage of my employer's retirement and health savings plans?

• Should I be making Traditional or Roth contributions?

• Why is it important to also save and invest outside of my employers plans?

• How much do I need to save to be considered "financially independent" or to "retire early"?



• How should I be investing my savings each year?

Gen X

If you are in your mid 40's to late 50's and are envisioning the next phase of life and how to most tax-efficiently fund your vision, you may have the following questions:

• If we stopped working tomorrow, what are our chances of successfully navigating the rest of our lives without running out of money?
• If we stopped working tomorrow, what is the most we could spend annually and still maintain a high probability of success?
• What tweaks can we make to our plan to either increase our odds, our spending or both?
• Are there strategies we can employ now to reduce taxes later, our #1 expense in retirement?
• What should we do about health insurance until we reach 65, the age of Medicare eligibility?
• Is there anything we can do today to reduce how much of our Required Minimum Distributions (RMD'S) from our Retirement Accounts will be lost to taxes?
• How do our corporate stock options and/or deferred comp efficiently fit in the picture?
• How do I minimize capital gains taxes on my non-qualified investment accounts?
• How can we better manage investment risk (i.e. stock market risk" now that we are closer to retirement?

Baby Boomers

If you are in your 60's or early 70's and wonder if there are any levers left to pull before RMD's kick in or are starting to think about efficiently passing your money to the next generation and/or gifting to your favorite charity, you may have the following questions:

• Do Roth Conversions make sense for somebody my age and tax bracket?

• Will my children be able to give my grandchildren the life I gave them?

• Should I start gifting to the next generation?
• What is a "Donor Advised Fund"?

• How much of my net worth will be passed onto my kids and how much will go to taxes?



• How will my spouse seamlessly take over our finances after I am gone?