I provide ongoing management of your investment portfolio tailored to your financial goals, risk tolerance, and time horizon. This includes asset allocation, security selection, rebalancing, and regular monitoring to help keep your investments aligned with your objectives as your life and market conditions change.
This service is well suited for individuals and families who want professional oversight of their investments but do not have the time, interest, or expertise to manage their portfolios themselves.
I assist with the rollover of retirement accounts such as 401(k)s, 457 plans, 403(b)s, and IRAs. This service ensures a smooth, tax-efficient transfer of funds from former employer plans or existing accounts into a new IRA or appropriate plan, while coordinating the process to avoid penalties or unnecessary taxes.
This is particularly helpful for people who have recently changed jobs, retired, or left an employer and need to consolidate their old retirement accounts and have them managed professionally.
I design fixed-income strategies using laddered U.S. Treasuries and FDIC insured certificates of deposit (CDs) to generate predictable, stable income. This approach spreads maturities across different time periods to manage interest rate risk while providing a reliable source of cash flow, particularly useful during retirement.
This strategy is often a good fit for retirees, individuals in the later stages of their career, recent business sellers, or widows and widowers who prioritize steady income with minimal volatility.
I guide clients through Roth conversion strategies, which involve moving funds from traditional retirement accounts into a Roth IRA. This service includes analysis of the tax impact in the current year versus potential future tax savings, helping you determine the most appropriate amounts and timing based on your overall financial picture.
Roth conversions are typically beneficial for individuals who expect to be in a higher tax bracket in retirement, have lower taxable income in a given year, or want to reduce future required minimum distributions and taxes on heirs.
I help self-employed individuals and business owners establish and manage an Individual 401(k), also known as a Solo 401(k). This plan allows for higher contribution limits than standard IRAs and includes both employee and employer contribution components, providing a powerful tool for retirement savings and tax planning.
This is ideal for self-employed professionals, consultants, small business owners, and independent contractors looking to maximize retirement contributions and reduce current taxes.
I manage Required Minimum Distributions (RMDs) for clients who have reached the applicable age. This includes calculating the correct distribution amounts each year, ensuring compliance with IRS rules, and integrating withdrawals into your broader withdrawal and tax strategy to minimize unnecessary taxes.
This service is designed for retirees aged 73 and older (or the current required age) who want help navigating RMD rules and integrating them efficiently into their retirement income plan.