our Approach

Integrated Planning — Retirement, Tax Strategy & Wealth Management

Led by a CERTIFIED FINANCIAL PLANNER™ professional, we provide strategic, timing-sensitive planning for pre-retirees, retirees and business owners making decisions they can’t afford to get wrong.

We coordinate retirement timing, tax strategy, investment decisions and ownership structures as a single, integrated system, with every decision sequenced intentionally.

For clients engaging in ongoing Wealth Management, foundational estate planning is included—revocable trusts, pour-over wills, durable powers of attorney, health care directives, and beneficiary alignment—coordinated to reflect your broader planning strategy.

This work is built around irreversible moments: retirement transitions, liquidity events, Medicare and RMD thresholds, Roth timing and business ownership decisions where mistakes are costly and difficult to undo.

We work alongside your CPA and attorney — we don’t replace them.

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Who We Work With

Pre-Retirees & Retirees

Approaching retirement or recently retired, navigating income timing, taxes, Roth conversions, RMDs, and Medicare/IRMAA decisions, seeking coordinated planning without product sales or AUM pressure.

Business Owners & Founders

Preparing for a sale, transition, recapitalization or liquidity event, navigating entity structure, concentrated equity and multi-year tax exposure. They need planning before decisions become permanent and visible.

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How we work together

Tier 1 — Retirement & Tax Strategy Diagnostic

Retirees – $2,500
$1,000 credited toward Tier 2 if engaged within 30 days.

Business Owners – Starting at $5,000 based on complexity
$2,500 credited toward Tier 2 if engaged within 30 days.

A focused, high-level diagnostic designed to identify where timing, tax strategy and income sequencing decisions carry the greatest long-term impact — before irreversible moves are made.

Who this is for:

• Pre-retirees, retirees and early-stage business owners seeking clarity before committing to major decisions

Key Deliverables:

• High-level retirement timing & income guidance
• Roth & tax tradeoff awareness
• Medicare / IRMAA exposure flags
• Estate / beneficiary issue identification
• Direction on whether deeper planning is necessary

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When Tier 1 isn’t enough…

Tier 1 becomes the on-ramp to Tier 2 — full planning, sequencing and execution for complex, high-stakes decisions.

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Tier 2 — Full Retirement & Tax Planning

Retirees: $6,000–$8,000
Business Owners: $20,000–$35,000+ (based on complexity & timeline)

For clients who need multi-year sequencing and execution for high-stakes decisions—retirement transitions, tax planning, Roth timing, Medicare/IRMAA or business liquidity events—before mistakes become costly or irreversible.

Who benefits most:

• Pre-retirees or recently retired with complex income, investments or RMD planning
• Business owners preparing for a sale, recapitalization or other liquidity event

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Optional Ongoing Wealth Management & Estate Planning

For clients engaging in ongoing Wealth Management, foundational estate planning is included—revocable trusts, pour-over wills, durable powers of attorney, health care directives and beneficiary alignment—implemented through a trusted third-party platform.

Investment management, when appropriate, is designed to execute the plan, not drive it. This ensures every element of your wealth, taxes and legacy works in harmony.

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Ready to Get Started?

If you’re approaching retirement or navigating a business transition, the next step is simple.

We’ll determine the appropriate planning path before any engagement begins.