Clients typically work with me after building meaningful careers, saving consistently, and accumulating more than enough to support themselves. As retirement approaches, the questions change.

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For many, the core question is whether it’s finally time — or whether this is just another round of “one more year.” 

 

I help couples reach that decision with clarity and confidence, supported by careful planning rather than guesswork.

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Portfolio growth still matters. But once you’ve reached financial independence, decisions around taxes, estate structure, income sequencing, Medicare, and asset protection take on greater weight. Many of these choices are difficult to reverse and often interconnected.

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My role is to help you see the major risks clearly and design a plan that protects your financial independence without adding unnecessary complexity.​

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Because these decisions carry long-term consequences, I work with a limited number of households to ensure each plan receives the attention it deserves.

 

I am a fee-only fiduciary. No commissions. No sales quotas. My recommendations for you are based solely on what is in your best interest. 

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If you prefer a steady, long-term approach that prioritizes simplicity and peace of mind, we may be a good fit.