That’s why we built the Total Retirement Income Plan (TRIP).
One coordinated plan that connects your investments, your retirement income, and your tax strategy into a single clear picture. It is organized so that you, your spouse, and your heirs can actually understand and use it.
Retirement Income That Doesn’t Flinch
Your spending is funded from a short-term reserve we call the War Chest, so you are not forced to sell investments in a downturn. Modern Guardrails then adjusts your income based on your plan’s health, not market headlines. The result is dependable retirement income and far less stress.
Multi-Decade Tax Strategy
Most people overpay taxes across their lifetime without realizing it. We model account location, Roth conversions and bracket filling, and RMD and IRMAA timing across decades, not just this April, so more of your money reaches you and your heirs.
Institutional Investment Management
High active share, high conviction portfolios, built and run by the person you actually talk to. Not a committee’s model, not closet indexing. And he invests his own capital in the same strategies.
First $100K Club
The people who need good advice most are often the ones just starting out. For the children, grandchildren, and heirs of our client families, we serve as a no-fee trusted advisor through their first $100,000, whether those savings are held with us or somewhere else. No cost to defend, no products to sell. Just honest guidance to help them avoid the bad habits, scams, and costly products that derail so many good intentions.
Your War Chest and Modern Guardrails
We replace intimidating spreadsheets, confidence intervals, and Monte Carlo simulations with two simple, powerful ideas.
The War Chest
Your reserve for liquidity, opportunities, protection, and peace of mind. It funds your spending so growth holdings are not sold into a downturn.
Modern Guardrails
Upper and lower limits that tell us when to adjust your income, so you stay on track without being tortured by market volatility.
The Rigor Behind the Simplicity
- 25+ years managing institutional portfolios for foundations, endowments, and private clients.
- Endowment-style income planning that adjusts to your plan’s health, powered by institutional-grade tools.
- High active share, high conviction investing, not closet indexing.
- Tax planning modeled across decades, not one year at a time.
- Behavioral discipline to help you stay the course in any market.
We pursue outcomes, not benchmarks. Fiduciary advice with institutional discipline.
Think of your plan as your personal financial GPS: 100% dictated by your stated goals (destination) and financial situation (current position). Need to make a detour? Add another stop along the way? Or change the destination all together? . . . No problem!
We map out your course, and just like a good interactive GPS, your plan can guide you around traffic jams, warn you of dangerous conditions, or confirm you on track and on schedule. If you begin to drift off course, or the market landscape shifts - we can guide you gently back between the lines by making portfolio adjustments toward your goals.
Why It Works
The result is a plan you can actually live with, so you can:
- Make decisions without overthinking
- Stay committed through market ups and downs
- Feel calmer and more confident about your money