Most of our clients come to us at an inflection point. Senior executives or retirees from publicly traded companies who’ve looked at everything they’ve built and realized there’s no actual plan for what to do with it. They’re planning to retire, they’ve had a liquidity event, or they’re simply tired of making big financial decisions without a real framework.
A year into working with us, they have a clear plan for where their next dollar should go. They’re spending with confidence instead of anxiety. Their mental health isn’t hostage to what the stock market did yesterday. They’re properly insured, their estate documents are current, and they’ve had the conversations with their spouse that most couples put off indefinitely.
If that sounds like you, let’s talk.
Large institutions are built to serve millions of clients consistently. That’s a strength and a constraint.
The advice you get is shaped by the platform you’re on. Investment options, planning tools, and tax strategy are decisions made at the institutional level, not for you specifically. Most advisors are working within a system that wasn’t designed around your situation.
We spent years inside that system. We know what it does well and where it stops working.
As an independent firm, we don’t have a house investment platform to defend or a product shelf to sell from. We build the plan around you.
Your assets are held at Charles Schwab. Your money is never in our hands, and Schwab operates independently of our relationship.
The infrastructure is institutional. The advice is independent.
Most clients have heard the same line from their advisor: “You should confirm that with your accountant.” We said it too, for nearly twenty years.
Nobody owns the connection between your financial plan and tax return because most advisors don't or can't review your return. We always do.
Without that connection, mistakes happen and money gets lost: things like cost basis errors on sold RSU shares, years of missed retirement contributions, or penalties for underpaying estimated taxes.
Every decision should be made with both the plan and the tax return in view.
Concentrated positions are often how people build meaningful wealth. They’re not always the best way to preserve it.
There’s rarely a perfect strategy. Every option involves tradeoffs between taxes, risk, liquidity, and future upside — and the right answer depends on where the position fits in the broader financial picture.
Depending on the situation, we may look at gradual diversification, direct indexing, exchange funds, options-based hedging, long/short strategies, charitable vehicles or gifting to family.
We’ll also tell you when the best answer is to simply sell the stock and pay the taxes.
Many of our clients work at publicly traded companies with trading windows, pre-clearance requirements, and restrictions on specific securities.
In practice, that means working with 407 letters, third-party account reporting, and building portfolios fully customized around your trading restrictions. We can exclude any individual security or sector fund, so your investment strategy works within your compliance requirements — all supported directly by Schwab’s platform.
No. We manage the accounts you bring to us, and we build the plan around everything else.
Many of our clients are still working when we start, which means consolidating every account isn’t always practical or even possible. Through data feeds and account aggregation, we maintain a full view of your financial picture — every account, every benefit, every asset — whether we manage it or not.
If you prefer to keep a view of your Schwab accounts inside another portal like Fidelity, we can set that up too.
The goal is a complete plan, not a complete transfer.
Still have questions? We'd love to meet you.
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