Financial planning connects your goals, cash flow, taxes, retirement, risk, and estate decisions into one plan. Investment management focuses on building and maintaining your portfolio. Wealth management often combines both, plus coordination with your CPA and attorney when life is more complex.

We translate your goals into real numbers and test your plan under a few realistic scenarios. If you’re close but not quite there, we’ll show clear, practical steps to strengthen it. You’re on track when you can enjoy today and still feel confident about the future.

The right mix depends on your business structure, cash flow, and tax considerations. We coordinate with your CPA to create a strategy that supports both your personal plan and business health.

Pay yourself, and your future self, first by automating the essentials like retirement savings and key goals. Once that’s done, you can spend the rest in whatever way you choose with far less guilt or second-guessing. The plan gives you permission to enjoy life.

Your first meeting is an introductory conversation. We’ll get to know your situation at a high level, what you’re looking for, and what feels most important right now. We’ll also explain how we work, how our fees work, and we’ll both assess whether it’s a good fit. If you decide to move forward, the next step is a deeper planning meeting where we gather documents, ask more detailed questions, and start building the plan.

At least annually, and anytime life changes: a new role, equity event, move, business milestone, inheritance, or retirement decision. Small updates along the way prevent big surprises later.

SEP IRAs, SIMPLE IRAs, and Solo 401(k)s are common options with different rules and contribution limits. The right choice depends on income, employees, and flexibility needs. We’ll match the plan to your goals and coordinate with your CPA.