The best financial decisions get made before something happens, not after. Our clients know they can pick up the phone when life changes, and we will help them think it through before they act.
1
Selling a business or receiving equity
Before you sign, before the wire clears, before you do anything with the proceeds. Tax exposure at a liquidity event is real and largely avoidable with the right plan in place ahead of time.
2
Leaving a job or thinking about retiring
We will help plan for your 401(k) or assist in bridging your health insurance. Whether the pension offer on the table is the right one, these actions have impacts that last for decades.
3
Losing a spouse or going through divorce
The finances that were shared, now have to be understood by one person. We slow things down, explain what is there, and help you make decisions without pressure from people who want you to act quickly.
4
Inheriting money or property
An inheritance comes with paperwork, deadlines, and family dynamics that make clear-thinking hard. We help you sort through the options without rushing to decisions you will regret.
5
A health event that changes your plan
A serious diagnosis changes the financial picture: insurance, long-term care, spending timelines, legacy priorities. We help you think through what needs to shift and what can stay the same.
6
Any moment when the stakes feel high
You do not need a specific life event to call us. If something feels financially significant and you want a second opinion before you move, that is exactly what we are here for.
Stability Reserve™
We start with a simple question: what does it cost to live your life for a year? Then we hold three to five years of that amount in stable, lower-risk investments. That pool is your Stability Reserve.
The five-year target is deliberate. When markets fall, and over a long retirement we know they will at some point, your Stability Reserve is what you draw from, so the income you planned on keeps flowing no matter what the market is doing. It carries you through, even a deep and drawn-out downturn, and gives the rest of your portfolio the time it needs to recover. Your life keeps moving forward while the market sorts itself out.
