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Financial Planning

Initial Plan & Goal Setting:

We’ll meet 2 – 3 times as we get started to clearly define your unique goals, create your initial financial plan and outline a service calendar tailor-made to your needs for future revisions.

Cash Flow Management-

Give every dollar of your income a purpose before it hits your bank account, and put your cash flow on autopilot, making it easier to stick to the plan and save for what’s most important to you. If you have debt, we can also advise you on how best to pay down debts.

Stock Compensation-

Stock options, restricted stock units, employee stock purchase plans, and so on: these all have different tax consequences, different risks, and they all affect your financial picture differently. We review your available stock compensation and advise you on how it could best serve your goals.

Retirement Planning

Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective.

Employee Benefits Optimization-

We’ll make sure you’re getting the best value out of your available employee benefits, and review them annually during open enrollment.

Investment Analysis-

Regular review of your investment and employer retirement accounts to make sure you’re on track to meet your goals, or maintain your standard of living in retirement.

Tax Planning-

Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. Tax planning is usually done with support of your CPA and at times we can help you find a CPA that best suits your needs.

Risk Management-

We’ll review your existing insurance policies & estate plan to make sure you’re prepared, and recommend trusted professionals such as attorneys and fill insurance gaps if needed.



Personalized Portfolios:

We design investment portfolios tailored to you, your specific goals, and risk tolerance using broadly diversified, low-cost mutual funds, exchange-traded funds, and individual securities.  The portfolios are open-ended and you won’t be part of cookie-cutter model portfolios that have a history of underperforming. 

We set up and automate your investment strategy so you don’t have to lift a finger!

Intelligent Rebalancing & Tax Loss Harvesting-

We rebalance your accounts regularly to ensure they adhere to your target allocation, factoring in transaction costs, diversification, and tax outcomes.

Did you know your portfolio can help lower your tax bill? We will look at different tax lots as we manage your portfolios to be tax-efficient. 

Investing with a Goal-


Too much cash in the bank is doing you no favors. It’s actually losing you money in the long run because of inflation. Investing all of your funds and not having a plan in place can be costly when life turns and we have all of a sudden need for cash. Such events usually occur when markets are down and having to liquidate investments can negatively impact your long-term goals. That is why we plan and ensure we follow the fundamentals of financial planning. It’s important to think about what you need, want, and wish for – and with some concrete goals in place, we can create an investment strategy to meet your needs.


Pricing ranges from 1.00% to 1.85% of the total account value. 

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