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Let's remove the anxiety over money.

Examples of areas we can help you with

  1. Inflation headlines in the news have me worried. I remember the 1980s. Should I be doing something differently now?
  2. How much money should I keep in cash versus invest? Where should I keep my savings now that interest rates are moving up?
  3. I support myself with distributions from my investments. I don’t expect to go back to work. How should I be invested?
  4. Most of my net worth is in my employer’s stock. What should I be considering?
  5. How should I be thinking about investment concepts such as:
    – Liquidity?
    – Diversification?
    – After tax returns?
    – Expense Ratios?
    – Transaction Costs?
  6. I want to learn more about investing, but at my own pace. Can you help me?
  1. I’m planning to retire in a few years. Is there anything I can do now that will help minimize my overall tax burden?
  2. Should I realize losses in my investment accounts this year if I can?
  3. How should I plan for income taxes when I’m getting distributions from deferred compensation plans, pension plans, IRA accounts, 401(k)  and/or 403(b) plans?
  4. What should I consider before exercising my employer stock options?
  5. How will selling my house affect my taxes?
  6. How will my divorce impact my taxes?
  1. How much should I contribute to my employer’s 401(k)? Should I choose a Roth 401(k) or a regular 401(k) if I have a choice?
  2. I’m considering changing jobs. How do I evaluate the pay and benefits?
  3. What happens to my stock options if I leave my job?
  4. I’m considering becoming self-employed, what should I be thinking about?
  5. How do I fund my lifestyle after I leave my job?
  6. Can I volunteer with a charity or work part-time and still fund my retirement goals?
  7. Can I retire now? In the next two years? Five years? More?
  1. Should I fund a 529 account for my children’s future college needs?
  2. One of my children needs more support than the other(s). How should I think about that?
  3. I’d like to provide my children with an opportunity to become smarter about money. Can you help?
  4. How do I help my children “stand on their own two feet” financially?
  5. How can I help my children buy a house? Should I loan them money? Give  them a gift? Become a co-owner with them?
  6. I’d like to help my grandchildren. Should I contribute to a 529 account? Fund a custodial account? Give the money to their parents? Plan for a future distribution?
  7. I’d like to help support a family member or close friend and not have it ruin our personal relationship. What should I be thinking about?
  8. I inherited assets from my parents and need to coordinate with my siblings. How might our family work better together?
  9. My parents may need some help as they age.  What should I be considering?

1. Interest rates are moving higher. Should I pay off my mortgage?
2. My house is the last asset I want to sell. How can I make that part of my plan?
3. Do I have enough insurance if something happens to my house?
4. What about earthquake insurance? Do I need it?
5. I want to move. Am I better off selling my current home or renting it?
6. I inherited my parent’s house. What do I do now?
7. I’m buying a new house. Should I pay all cash? Get a large mortgage? Or, somewhere in between?
8. What should I be thinking about if I want to keep the house as part of my divorce settlement?

What you can expect from working together

Discovery and Data Collection
Step two
Financial Plan Development and Fine Tuning
step four
Account Management and Investment Implementation
step six
Step one
Analysis and Evaluation
step three
Results and Recommendations
step five
Ongoing Evaluation and Monitoring

Frequently Asked Questions

Frequent touch points are a cornerstone of our practice. We want to adapt to your communication style and frequency. We believe it is best to “meet clients where they are.” This means that we’ll communicate with you in person or via video conference, phone, emails, or mail. We have found that quarterly check-ins are useful for most of our clients. However, some clients have times in their lives where monthly or even weekly calls are necessary. These same clients may need less frequent meetings once they gain control over the decisions that were time sensitive. When we meet with you to review your plans, investment performance, and progress towards goals, we will provide high-level reviews, present in-depth analysis, or incorporate educational materials on specific topics.

We are a fee-only advisory firm. Investment management services include financial planning, development of a personal investment policy, investment management implementation, coordination with your other professionals as necessary, and ongoing advice and modification of plans and investments as needed.

Fees for this service are based on the amount of assets held at the custodian in accounts we manage. These fees are billed quarterly.

  • Assets between $0 to $2,000,000 are billed at 1.0% per year
  • Assets between $2,000,001 to $5,000,000 are billed at 0.75% per year
  • Assets between $5,000,001 to $10,000,000 are billed at 0.60% per year
  • Assets between $10,000,001 to $20,000,000 are billed at 0.50% per year
  • Assets $20,000,001 and above are billed at 0.40% per year

In addition to investment management fees paid directly to us, there are additional costs related to your specific investment portfolio.

For clients who prefer to manage their own investments, financial planning engagements are available.  This may include quarterly check-ins, stand-alone financial planning, or hourly project work. 

Please see the firm’s ADV Part 2 brochures available on this website or on the SEC’s Investment Adviser Firm Summary website (adviserinfo.sec.gov) for more information.

Investment recommendations are made after understanding your risk profile, resources, and goals. Portfolios include globally diversified, tax-efficient, low-cost investment vehicles such as mutual funds, exchange traded funds (ETFs), and individual stocks and bonds as appropriate.  Some of these portfolios include a focus on sustainable or socially responsible investments that correspond with clients’ values. 

CFP® professionals take a holistic, personalized approach to bring all the pieces of your financial life together. As part of the CFP® certification, CFP® professionals also have made a commitment to CFP Board to act as a fiduciary when providing financial advice to a client. For more than 30 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board’s ethical standards that require them to put their clients’ interests first.

We commit to acting as a fiduciary at all times when providing financial advice to clients and we’ll put it in writing. A fiduciary is someone who will put your interests ahead of theirs. This is important because there may be situations where the interests of a financial professional may conflict with your interests. A fiduciary has an obligation to disclose the conflicts of interest and continue to put your interests first. That may seem like common sense, but not all types of financial professionals have a fiduciary obligation. 

Yes! Frequently clients most pressing needs involve coordinating activities between their wealth management advisor and the rest of the professional services team, including their CPA, estate attorney, insurance professionals, bankers, or mortgage brokers. We consider working with your other professionals as a team on your behalf an important part of our services.

Yes! That’s why Gen is in the firm’s name! We will work with you to determine your goals and dreams and identify planning opportunities, and often these may be related to the VIPs in your life. In addition to working with you, if you think they can benefit from our services, we’re happy to make their acquaintance and see how we can assist them with their unique personal wealth needs.

Custom services for your VIPs may include: investment management, quarterly check-ins, stand-alone financial planning, or hourly project work. We can provide financial education on relevant topics, answer specific questions, or introduce some simple but effective tools to help them manage their own wealth and build financial resiliency. These interpersonal relationships can be unique, complicated, and extremely important. We’d love to brainstorm with you and determine the type of services they would find most useful.