You Have Accounts. But Do You Have a Plan?
A 401(k) or IRA tells you how much you've saved. It doesn't tell you how that becomes income - or how much of it the IRS gets to keep. That's where the real planning starts.
Cash Flow
Knowing what's coming in and going out now, so we can build toward the income you'll need later.
Tax Strategy
Sequencing withdrawals and managing gains and losses so taxes don't quietly become your biggest retirement expense.
Investment Planning
Matching each account to its purpose - growth, income, or safety - instead of a one-size-fits-all allocation.
Retirement
Turning savings into a real paycheck: how much, from where, and in what order.
Insurance Planning
Identifying the risks that could derail an otherwise solid plan.
Legacy
Making sure what's left goes where you intend - including planning for inherited accounts and their tax rules.
Pre-Retirees (5–10 Years Out)
You've saved well. Now you're asking the harder question: how does this become income, and how do I keep taxes from eating into it? I build income and tax plans specifically for this stage - not generic portfolio management.
Inherited an IRA?
Inheriting a retirement account comes with tax rules and deadlines most people don't know about. I've helped several families navigate this — and can help you avoid costly mistakes.