Covering all aspects of your financial life


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Cash flow

Budgeting can feel painful and discouraging, a chore that you never want to do (and maybe you never have). I believe that there is no "one size fits all" approach to this, and will work with you to create a system that is easy for you to follow. Cash flow planning is foundational to your financial success, so it's important to ensure you have this covered.


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Investments

Don't try to beat or time the market, or find that hot new stock. Fear and greed have no place in investing. I adhere to a highly diversified, low cost investment strategy to create a plan personalized to your situation, values, and risk tolerance. The focus is on being disciplined, systematic, and only adjusting as goals change.

I offer services through TD Ameritrade or Vanguard. But I will work with you even if you would like to stay with your current custodian.


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Debt

I have personally seen the strain that debt puts onto families and relationships. On the other hand, it is a wonderful experience to be completely debt free and be able to pay cash for that dream vacation. I can help create an optimal strategy to get you out from under that student loan and car payment, and progressing forward to never rely on debt again.


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Retirement

First things first. What would you like your retirement to look like? Not all of us want to work until 65, then just sit on the beach and golf. Once we establish that, then I can help answer those important questions:

  • How much should I save?
  • What would it look like if I retired at 55?
  • Roth vs. Traditional IRA?
  • What should I select in my 401k?
  • Will my plan withstand a market crash?

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College

I have two children that are currently 10 and 6. Thinking about them going to college makes me cry a little. Then looking at the projected cost of college when they get there brings on a different kind of tears.

I can assist in selecting an optimal 529 plan for your situation, advise on investment selection, and project how much you will be able to cover (you can even pick your specific school). Do your children attend a private primary school? We can plan for that too.


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Insurance

Insurance isn't exciting and it's not an investment, nor should it be. It's something we all need to have, but hope to never use. I can help get you and your family the types and levels of coverage that best fit your situation.

  • Life
  • Long Term Disability
  • Long Term Care

* I partner with Low Load Insurance Services. I do not receive any commission or compensation on any products sold


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CAREER

That recruiter keeps calling and stalking you on LinkedIn. Should you take that higher paying consulting job, but with lower benefits? Should you try to negotiate your current salary? How about that company stock purchase plan? These are all questions that we in IT face, and they could have significant impact on your finances.


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TAX PLANNING

Getting the most from your earnings means paying attention to your taxes. IRAs, HSAs, charity, tax loss harvesting all affect your tax bill. We can go through a review to ensure that you are optimizing as much as possible.

* Referral to CPAs for in depth tax subjects


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ESTATE

If you love your loved ones, you'll want to have your estate plan in order. Leave the legacy that best reflects your life well lived.


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Live your best life

Life is filled with choices. I'm not here to tell you that you're making the wrong choice or pass any sort of judgement. I'm here to help you live a life that aligns with your values. Together we can determine what goals you would like to achieve, visualize a path to accomplishing them and execute on that plan