I help clients with:
- Financial Planning
- Tax-Efficient Investing
- Tax Planning
- Estate Planning
- Insurance (Life, Health, Disability, P&C) Planning
- Investment Consulting
- College Savings
- Social Security Planning
- Retirement Savings and Spend-Down Planning
- Charitable Gifting Strategies
- Wealth Protection Planning
- Family Wealth Transfer Strategies
- Small Business Retirement Plans
For services I don’t do in-house, I coordinate with other experts within our network, or work with your existing providers.
My Investment Philosophy
My approach to investing is based on peer-reviewed evidence – not a crystal ball. I don’t believe anyone has the expertise to consistently and reliably predict the direction of the market or identify which stock or actively managed mutual fund will outperform a risk-adjusted index. There’s overwhelming research supporting these views. (See Resources).
I recommend only broadly diversified, low cost, tax-efficient and liquid investments. I primarily recommended mutual funds managed by Dimensional Fund Advisors, Bridgeway, AQR and Stone Ridge for both your stock and fixed income portions of your portfolio. For clients with larger fixed income requirements, I recommend and implement laddered bond portfolios.
All your assets are controlled by you and held in your name by our independent custodian, Schwab Institutional or Fidelity Institutional. I receive no compensation from them. You can check your portfolio 24/7 on their website. I will have limited power of attorney to execute transactions on your behalf.