One complete plan. Built around your situation.

Retirement Income Planning

For people within roughly ten years of retirement, or already there.

You spent decades learning how to save. Retirement asks a different question. How do you turn what you saved into income that lasts as long as you do?

This is the hardest problem in personal finance, and it is where I have built my deepest understanding. The decisions stack up quickly. When to claim Social Security. Which accounts to draw from first, and in what order, to keep taxes from quietly consuming your savings. How to handle a pension election you can never undo. What healthcare and long-term care will actually cost, and how to plan for them without fear. How to keep your money growing while preserving the income you cannot afford to lose.

Each of these decisions affects the others. Made separately, they leak money. Made together, inside one coordinated plan, they can add years of independence to your retirement.

I hold the Retirement Income Certified Professional designation, an advanced credential focused entirely on this stage of life. When we finish your plan, you will know what your retirement income will be and where it will come from.

Comprehensive Financial Planning

For professionals and families still building.

You are earning well, saving consistently, and doing most things right. What you likely do not have is a single, coordinated picture of where you stand. Your 401(k) is in one place, old accounts in another, insurance from years ago, a will that may be outdated, and a nagging sense that something is being missed.

That sense is usually correct. In nearly every plan I build, I find something the client did not see. A gap in insurance protection. A tax opportunity going unused. Accounts working against each other instead of together.

A comprehensive plan puts every piece on one table. Your savings and investment strategy, your tax picture, education funding, insurance protection for your income and your family, and your long-term goals. Then it answers the only questions that matter. Are you on track? What needs to change? What should you do first?

You leave with a written plan, clear priorities, and someone accountable for keeping it current as your life changes.

Business Exit Planning

For owners thinking about transition, whether that is three years away or ten.

Many owners have advisors for the business side of a sale. Almost none have someone focused on the question that matters most. What does this exit need to produce for you and your family, and is your business positioned to deliver it?

That is where I work. As a Certified Exit Planning Advisor, I help you connect the value of your business to the life you are planning after it. That means understanding what you actually need from the transition, stress-testing whether a realistic sale gets you there, and building the personal financial plan that seeks to turn proceeds into lasting financial confidence.

I also serve as the quarterback. A well-run exit requires specialists, including valuation professionals, value growth advisors, attorneys, and accountants. I help you assemble the right team, coordinate their work, and make sure the personal plan and the business plan are moving toward the same outcome.