Financial Planning and Investment Management
Bringing Order and Clarity to Your Financial Life
We provide comprehensive financial planning and investment management designed to help you retire confidently, minimize taxes, and stay disciplined through changing markets. Our role is to bring all the moving parts of your financial life together into a clear, coordinated, long-term strategy.
Retirement Planning
Am I going to be okay?
That's one of the most common questions we hear. Retirement isn't just about reaching a number—it's about having a plan for generating income, managing taxes, and making your savings last. Together, we'll clarify where you stand today and create a plan that supports the future you want.
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A clear plan with sustainable income and spending targets.
Social Security claiming strategies designed to help maximize lifetime benefits.
Efficient planning to reduce lifetime tax exposure.
Ongoing monitoring to adjust as markets and life circumstances change.
Pension & Government Retirement Plan Optimization: If you're a federal employee (FERS, TSP), teacher (STRS), public employee (SERS/OPERS), or work for a 403(b) employer, we can help ensure these plans are aligned with your personal investments.
A Personal Financial Dashboard: 24/7 access to your full financial picture through RightCapital. This interactive portal allows you to track your budget, monitor your net worth, and run real-time simulations, such as adjusting retirement spending or testing tax-efficient savings strategies.
Investment Management
We don't chase trends or try to outguess the market. Instead, we build evidence-based portfolios focused on broad diversification, low costs, tax awareness, and disciplined rebalancing.
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Custom allocations designed around your goals, timeline, and risk tolerance.
Low-cost, broadly diversified investments.
Tax-aware investing strategies designed to reduce unnecessary tax drag.
Ongoing rebalancing and portfolio monitoring.
Disciplined guidance during market volatility to help you stay on track.
Ongoing Financial Guidance
Financial planning isn't a one-time event. Life changes, markets fluctuate, and priorities evolve. We're here to help you navigate those changes, keeping your financial plan and investment strategy aligned with your long-term goals.
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Scheduled portfolio reviews and alignment checkpoints.
Proactive tax planning and year-end guidance.
Access when questions arise or life changes occur, such as a job change, inheritance, or family transition.
Annual updates to ensure your plan evolves with your life.
A trusted partner who knows your full financial picture, not just your investments, and is available to help you navigate life’s major decisions.
Transparent, Fee-Only Compensation
Because we're fee-only, the only person who pays us is you. We never receive commissions or sales-based product incentives. We offer two engagement models:
Ongoing Planning & Investment Management: Charged as a percentage of assets under management (AUM), generally 1% or less depending on portfolio size.
Project-Based or Hourly Planning: For clients who prefer a specific financial check-up or targeted guidance.
We'll walk through our fees during our first conversation. Everything is transparent and straightforward from the start.
How We Work Together
It begins with a conversation. A pressure-free, no-obligation discussion focused entirely on understanding your goals, concerns, and overall financial picture to see if our disciplined approach is the right fit.
Onboarding & Analysis
We learn about you, clarify your goals, assess your risk tolerance, and design a customized plan. We also launch your personal interactive dashboard, giving you a central place to view your financial life.
Seamless Implementation
We handle the heavy lifting required to transition and organize your accounts across institutions. You electronically review and approve the paperwork; we manage the rest.
Ongoing Partnership
Regular reviews, disciplined portfolio management, and forward-looking tax optimization as life changes and financial landscapes evolve. We manage the ongoing details so you can focus on living your life.
Why Clients Work With Us
✓ Founder-Led Guidance
You work directly with Randy, bringing over 25 years of financial and executive leadership experience to your planning.
✓ Driven by Understanding
Before we build a portfolio or consider a tax strategy, we take time to understand you - your family, your business, and your long-term goals. Thoughtful advice starts with listening, not assumptions or pre-packaged solutions.
✓ Independent, Evidence-Based Advice
As a fee-only fiduciary, our recommendations are grounded in disciplined, research-based investing and are free from commissions, product sales, or market speculation.
✓ Coordinated Planning Strategy
We integrate your investments, taxes, lifestyle, and business interests into one unified plan aligned with your long-term priorities.