Clear Steps to Smarter Money Decisions

Our services cover investment strategies, cash flow management, guided Estate Planning and tax planning. 

Review your tax return is vital in identifying opportunities to keep more of your money while aligning your investments with your goals.

Many people assume "Fee-Only" implies a low-cost flat fee or a one-time charge. In the regulatory world, Fee-Only is a Fiduciary Standard, not a price point.

• The Definition: It means my firm is paid only by my clients. I never accept commissions, kickbacks, "load" fees, or referral bonuses from insurance companies or fund providers.

• The Value: This eliminates the "sales" element of financial advice. My only loyalty is to you. If I recommend a strategy, it’s because it’s best for your net worth, not because it pays me a commission.

It is a common misconception that big-box brokerage like Fidelity, Schwab and Vanguard accounts are "free" because there is no advisory fee on the invoice. In reality, these firms often monetize your accounts in ways that aren't immediately visible:

The Cash Drag (Interest Spread): Many large firms default your "sweep" cash into low-yielding accounts. They keep the "spread" (the difference between what they earn on your cash and what they pay you). On a large cash balance, this "hidden fee" can be significant.

Proprietary Fund Expenses: "Free" planners are often incentivized to steer you toward their own house-brand mutual funds or ETFs. While the plan is free, the internal expense ratios of those funds are where the firm makes its profit.

Securities Lending: Some firms earn revenue by lending out the securities in your portfolio to short-sellers.

Revenue Sharing: Large brokerages often receive "kickbacks" from fund families to be included on their "No-Transaction-Fee" platforms.

My Approach: As a Fee-Only advisor, I proactively look for the lowest-cost, most tax-efficient vehicles regardless of who manages them. I help you capture the interest on your cash and eliminate high-cost internal fund fees, often uncovering savings that the "free" plans overlook.

While both services are designed to help you win with money and achieve the Financial Freedom you deserve, they address different stages of your financial journey.

We are uniquely positioned to serve you with both approaches, ensuring you get the right support at the right time, all built on the proven foundation of the Dave Ramsey Baby Steps.

A one-time plan is a "snapshot" in time. However, life and tax laws are a "movie." A flat-fee plan often becomes obsolete the moment a tax law changes or the market shifts. By using an ongoing management model, I am able to proactively adjust your strategy every single month, ensuring that your tax-mitigation and withdrawal strategies remain optimal for the long haul.

While a flat fee may appear lower on an invoice, it often lacks the comprehensive implementation and accountability of an AUM model. When I manage the assets, I take full responsibility for the execution of the tax-loss harvesting, the Roth conversions, and the withdrawal sequencing. My goal is to generate "Tax Alpha"—savings in your tax bill that are often significantly larger than the management fee itself.

In my experience, tax planning and investment management are inseparable. You cannot make an optimal tax decision without knowing exactly how the portfolio is positioned, and you cannot manage a portfolio effectively without understanding the tax implications of every trade. To provide the high level of results my clients expect, I manage both as a single, integrated strategy.