Strategy &
Stewardship.
"Finding the best person or the best organization to invest your money is one of the most important financial decisions you'll ever make." - Bill Gross
Ascent
In your 30s and 40s, saving for retirement often competes with a mortgage, raising children, and other expenses. We help you sort through those priorities and decide how much you can realistically put away. We also review how your money is invested and whether you’re making the most of your employee benefits.
Horizon
If retirement is within the next ten years, it’s time to look closely at the numbers. We help you estimate what you’ll spend, what Social Security and other income will cover, and how much you’ll need from your investments. We also work through tax decisions with your CPA and coordinate with your estate attorney as needed.
Summit
Once you retire, the questions become more immediate: which accounts should you draw from, how much can you spend, and what should you do when markets fall? We manage your investments and work through those decisions with you, including Social Security, taxes, and healthcare costs. We review your plan each year and adjust it as your needs change.
We keep our process simple and understandable. Here's how we get to know each other:
1. Discovery
It starts with a conversation. We get to know you, share who we are as a firm, and ask the right questions. We'll review your investment statements together and begin to understand where you are today and where you want to go.
2. Financial Plan
The second meeting is where everything comes together. We walk through the financial plan we've built around your goals, going over the numbers together so you understand both the strategy and the thinking behind it. We also use this time to talk through how we approach markets, manage risk, and stay aligned with your interests as a fee-only firm, so you leave with a clear picture of where you stand and how we work on your behalf.
3. Recommendations
After two meetings and the work we've done in between, we're ready to put it all together. The centerpiece of this meeting is our official recommendations, where we walk through how your accounts will be mapped, how often we'll meet for investment reviews, how regularly we'll update your financial plan, and the other details that define how we'll work together. By the end, both sides should have a clear sense of what the relationship looks like going forward.