Financial Planning

You come first…and only. A fiduciary relationship with an objective approach. This is our most comprehensive offering designed to simplify your financial life, protect what you’ve built, and align decisions with your long-term goals. Our approach to this service is this:

1. Discovery

We begin by learning about your current financial picture and where you want to go. This includes your goals, values, challenges, and any sources of financial stress — both personal and professional.

2. Develop

With that understanding, we explore different strategies to help you reach your goals. Some paths may be clear, while others require deeper analysis and creative thinking.

3. Communicate

We present our findings and talk through the options. Together, we’ll decide on the best way forward based on what matters most to you.

4. Implement & Collaborate

Once we have a plan, we help put it into action. If needed, we also coordinate with your other professionals like attorneys and accountants to ensure everything stays aligned.

5. Monitor & Review

Life changes — and so should your financial plan. We stay involved to adjust for new information, major decisions, and evolving priorities. When something big comes up, we’re here as your thinking partner.

Our financial planning service starts at $250 per month and varies based on complexity. There is no charge for our first meeting to see if we're a good fit moving forward.

Included in this service are the following: 

• Ongoing Proactive Client Meetings and Communication
  
• Annual Benefits Enrollment Consultation
• We will join you during meetings with other Advisors, including Attorneys, Accountants, Bankers, Lenders, Insurance Agents, etc.
• Access to our software and data aggregation system
• Recommendations on retirement assets, bank and cash management, and any other assets not under our management
• Student Loan and Debt Service Management
• Fiduciary Advice

Investment Management

We follow a Core and Satellite approach to portfolio design. This structure allows us to balance long-term discipline with flexibility, customization, and opportunity.

The Core
The core of the portfolio is built using strategic, long-term investments — typically low-cost, passive funds that are broadly diversified and aligned with your overall financial plan. This “buy and hold” foundation is designed to capture market returns over time while keeping costs and turnover low. In many cases, the core may represent the entire portfolio.

The Satellites
Around that core, we may incorporate satellite strategies — actively managed or non-traditional investments tailored to your specific goals or needs. These may serve a variety of purposes, including:

• Reducing risk through non-correlated or alternative asset classes
• Enhancing tax efficiency through active management and tax-loss harvesting
• Generating income with yield-focused strategies
• Pursuing growth with sector rotation or other tactical positioning

Every investment plan is customized. We determine the role of each component — core or satellite — based on your goals, time horizon, risk tolerance, and tax situation. Investment management starts at a 1% fee.

Medical Residents and Dental Students

During your training, we offer a lite version of our financial planning service at no cost — designed specifically for residents and fellows.

You’ll have access to up to two personalized meetings per year, where we’ll provide guidance tailored to your current situation. Common topics include:

• Benefits review
• Tax planning for moonlighting income
• Student loan management
• Basic estate planning (wills, living wills, etc.)
• Budgeting, saving, debt management, and foundational investing

There’s no obligation to continue beyond training. When residency or fellowship ends, you can choose to transition into a full financial planning relationship — or discontinue services entirely.

This offering is built to give you trusted, objective advice while you're building your career with no pressure.