What We Do

Financial Planning

Your Financial Life, Organized and Optimized – Without Hidden Agendas

Using eMoney, one of the most advanced financial planning platforms, we help you create a living, dynamic plan that evolves with your goals.
As a CFP® fiduciary, we focus on helping you make informed decisions — not selling products or managing assets for commissions.

• Track net worth and spending across all accounts (even outside accounts) 
• Model “what-if” retirement and income scenarios 
• Visualize tax projections and cash flow plans 
• Securely share documents and collaborate in real time 

Investment Management

Low-Cost, Tax-Efficient Portfolios—Built for You

As a flat-fee fiduciary advisor, we build and manage portfolios using low-cost, index-based investments that align with your goals, risk tolerance, and long-term retirement plan.

Already have stocks, ETFs, or mutual funds you’d like to keep?
We’ll integrate what you own into a personalized, tax-efficient strategy — giving you clarity, control, and confidence in every investment decision.

• Custody through Charles Schwab 
• Tax-aware investing for non-retirement accounts 
• Transparent portfolio analysis with Nitrogen 
• Personalized rebalancing and tax management via iRebal 

Retirement Planning

Clarity and Confidence for Life’s Next Chapter 

Whether you’re planning to retire soon or are already there, we help you build a strategy that balances income, lifestyle, and flexibility.

And while the numbers matter, we never lose sight of what you value. Your comfort and peace of mind always come first. 

• Social Security optimization (including support on SSA calls) 
• Personalized retirement income strategies 
• Visual “what-if” modeling in eMoney 
• Tax-efficient withdrawal planning 

Tax Planning

Planning Beyond the Return

We take a proactive, year-round approach to tax planning—minimizing your lifetime tax burden and helping you avoid costly surprises.

Your tax strategy is fully integrated with your financial and retirement plans. 

• Analyze your tax return using Holistiplan 
• Model scenarios like Roth conversions and charitable giving 
• Help manage your tax brackets with precision 
• Collaborate directly with your CPA through your secure client portal 

Bespoke Wealth Advisor

Think of us as your financial partner on retainer—helping simplify your entire financial life, not just your investments. 

Your tax strategy is fully integrated with your financial and retirement plans.  With Nick’s real estate experience, advice goes beyond your investment portfolio.

• Educate and support the next generation (no extra fee) 
• Work directly with your CPA or estate attorney 
• Identify idle cash and optimize it for higher yields 
• Review and update beneficiary designations to avoid probate