Your Family CFO:
A Trusted Advisor for Life’s Financial Journey
We serve you and your family as a dedicated partner who helps you navigate life’s complexities with clarity, confidence, and care. Our mission is to simplify your financial life so you can focus on what matters most: your family, your passions, and your future.
What It Means to Be Your Family CFO
As your Family CFO, we go beyond traditional wealth management. We take a comprehensive, proactive approach to your financial well-being—coordinating every aspect of your financial life and acting as your personal advocate. Whether you’re planning for retirement, managing a major life transition, or building a legacy, we’re here to guide you every step of the way.
Organization and Clarity
Learn More
We will take inventory of your assets and liabilities and track your net worth. Through consolidation and organization, we eliminate inefficiency from mismanaged, nonproductive assets, which leads to a clearer understanding of your financial assets and position.
Goal Setting and Resetting
Learn More
We will work with you to establish planning objectives and goals that reflect your values, aspirations, and resources. Designing specific goals will create targets to motivate your savings and wealth creation in realistic and meaningful ways. Throughout our engaged relationship, there will be planned and unplanned life events, for which we will provide guidance around resetting objectives so that goals are added, adjusted, and achieved.
Comprehensive Financial Plan
Learn More
Utilizing our advanced resources and software, our team of experienced CERTIFIED FINANCIAL PLANNERS® will conduct an extensive analysis of your current financial health and prepare a comprehensive financial plan that assesses risks, inefficiencies, and shortfalls, while including recommendations to maximize outcomes and—ultimately—your family wealth.
Investment Analysis
Learn More
We will analyze your current investment portfolio to determine its effectiveness in meeting your investment objectives, given your risk tolerance and time frames. If changes are necessary, we will make the appropriate recommendations and implement the changes as needed.
Effective Portfolio Construction
Learn More
Asset allocation and diversification are utilized to manage investment risk, minimize the impact of taxes, and add significant value. A portfolio that provides broad asset-class diversification, suitable market sector exposure, and return transparency can enable most investors to adopt the investment strategy with confidence and better endure the inevitable ups and downs of the market.
Cost-Effective Implementation
Learn More
We apply a practice of reducing your portfolio costs by utilizing low-cost investments. A reduction in portfolio costs through lower overall operating costs will result in greater potential returns.
Portfolio Rebalancing
Learn More
We execute a portfolio management strategy to consistently align a portfolio with its target allocation. As investments produce different returns over time, the portfolio likely drifts from its target allocation, acquiring new risk and return characteristics that may be inconsistent with your original preferences. The goal of a rebalancing strategy is to minimize risk, rather than maximize return.
Tax Loss Harvesting
Learn More
When appropriate and applicable, we will capitalize on depressed investment positions to realize capital losses in non-qualified brokerage accounts while shifting into like portfolios or rebalancing. Tax loss harvesting provides a potentially greater after-tax return by capturing tax losses to offset gains, possibly generating an income tax deduction.
Retirement Income Planning
Learn More
A secure and sustainable retirement can involve turning assets into income to support lifestyle. Generating sufficient income is a dynamic process that requires advanced planning strategies and comprehensive market knowledge. We maintain superior knowledge on bond yields, duration, and credit risk, in addition to dividend equity and alternative income strategies.
Asset Spenddown Expertise
Learn More
We will provide expert guidance to determine your optimal withdrawal strategy from non-qualified assets, Traditional IRAs, and Roth IRAs in periods of spending and retirement. The distribution of assets for your spending has a large impact on the longevity of your portfolio, total tax burden, and wealth.
Behavioral Coaching & Guidance
Learn More
Investing involves emotions. We help clients maintain a long-term perspective and a disciplined approach. Abandoning a well-planned investment strategy can be costly, however becoming emotionally detached and steadfast in your investment strategy conviction can offer significant financial impact.
Asset Location
Learn More
This refers to the allocation of assets between different investment vehicles and strategies, as well as taxable and tax-advantaged accounts. Through a comprehensive understanding of your goals, financial plan, and tax situation, we can practice optimal portfolio construction to minimize the impact of taxes, provide security, reduce risk, and potentially earn greater returns.
Wealth Location
Learn More
Through effective financial planning, we will advise you on the account types (i.e., Roth IRA, Brokerage, Health Savings Account, etc.) that are most suitable for you and your family to grow and sustain wealth. The proper placement of your money will drive a more tax efficient wealth accumulation plan resulting in increased security and greater financial success.
Money Movement & Account Service
Learn More
We will assist with the deposit, movement, and distribution of money from your accounts. If you are subject to Required Minimum Distributions (RMD), we will help calculate and withdraw the RMD in accordance with your wishes and financial plan.
Collaborative Approach
Learn More
It is of high importance to us that our efforts and recommendations coordinate with those on your team of advisors to ensure that we are all working in concert for your benefit – primarily your Certified Public Accountant and Attorney.
Reporting
Learn More
You will receive monthly statements and quarterly performance reporting, as well as Annual Tax Reporting.
Annual Reviews
Learn More
We will meet with you annually to review your overall plan, including estate planning, retirement planning, asset protection planning, tax planning, investment planning, or anything else that demands further discussion as a result of a lifestyle change (birth of a child/grandchild, retirement, employment change, marriage, divorce, death, etc.).
Expert Service
Learn More
You will have open and on-demand access to our team of CERTIFIED FINANCIAL PLANNERS® and their expertise to address your current and future issues, concerns, and opportunities. Our loyal and talented Client Service Team boasts over 50 years combined experience and is dedicated to each client relationship.
Personalized Planning for Every Stage of Life
We understand that no two clients are alike. That’s why we tailor our services to meet your unique needs, goals, and values. Our team brings deep expertise and empathy to every relationship, offering specialized guidance in areas such as:
Retirement Planning
We help you envision and prepare for the retirement you’ve worked hard to achieve—balancing income needs, tax strategies, and legacy goals.
Financial Planning for Widows
With compassion and clarity, we support widows through one of life’s most difficult transitions, helping them regain financial confidence and independence.
Advising Medical Professionals
We understand the unique financial challenges and opportunities facing physicians and healthcare professionals, from student loan strategies to practice transitions and wealth preservation.
Multi-Generational Wealth Planning
We help families align their financial plans with their values—ensuring a smooth transfer of wealth, fostering financial literacy, and preserving legacies.
A Relationship
Built on Trust
Our role as your Family CFO is rooted in trust, transparency, and long-term partnership. We collaborate with your attorneys, accountants, and other professionals to ensure every piece of your financial life is working in harmony. And because we are a fiduciary, your best interests always come first.