Services
Financial planning
We specialize in:
Equity compensation
Regardless of your company’s stage or equity type, we work with you to understand the growth potential, price risk and tax implications through detailed analysis and tax projections. We’ll work with your trusted tax professional or provide that support in-house to develop a clear strategy to implement in the context of your financial goals and larger financial picture.
Common questions we help to answer include:
What are my options with my stock options?
What are the tax implications exercising and/or selling all or part of my equity compensation?
How much of my company stock should vs other asset classes?
What strategy makes the most sense to pursue given my financial goals?
Real estate
We provide an unbiased, analytical perspective on real estate and see it as a valuable asset class, whether that’s purchasing your first home to live in, your first rental property or you are adding to your real estate portfolio. We believe in arming you with the data to make an informed and empowered decision.
Common questions we help to answer include:
How much home can/should I afford?
I’m planning to purchase a new primary home, should I rent my existing home or sell it?
Is this rental property a good investment relative to my other options?
How does this investment fit into my overall investment portfolio?
In addition we provide assistance in the following areas:
Tax
We provide a forward-looking tax perspective, identifying opportunities where possible and preparing for tax liabilities as opposed to waiting for the bill to come, particularly as it relates to your real estate and investment portfolio.
Investments
We examine where you are today, diagnose the amount of risk you are comfortable taking on and map that to how much risk you need to take on by providing investment recommendations within all of your accounts regardless of where they may be held.
Retirement
Whether it’s your primary goal or hasn’t crossed your mind, we provide the data and perspective you need to understand the implications of how saving/spending today impacts tomorrow.
Cash flow/budgeting
We’ll work to ensure you have greater clarity in your month-to-month expenses and help to quantify those infrequent, one time costs and build it all into the larger financial picture.
Employee benefits
Whether it’s doing a deep dive on your new benefits or simply a second pair of eyes to confirm your choices, we’ll take a look at your benefit stack and see if you are appropriately maximizing your available employee benefits.
Estate
We ensure you have the appropriate documents executed, recommend changes where necessary and importantly, assist in the implementation of your estate plan.
Education
We help paint the picture of what this goal could look like for you or your child(ren). This includes answering the questions of how much to save, where best to invest the money and provide investment recommendations to align and prioritize this goal.
Insurance
We examine and ensure you are managing risk efficiently and effectively beyond your investment portfolio, whether it’s life, disability, umbrella, property and casualty and/or long-term care.
Debt
Whether you have student loans, auto loans, credit card debt or any other type of debt, we’ll help segment the good debt vs the bad and design an optimal pay down strategy so your debt works for you and not the other way around.
Other financial goals
Have another financial goal you’d like to pursue? We’ll help give you perspective to make it a priority, whether that’s taking a long-awaited sabbatical, switching careers to something you’re more passionate about, or whatever else you’ve had your eye on.
Investment management
Whether you choose to manage your investments on your own or have us do so for you, you’ll benefit from our investment philosophy. We apply this thinking to assets held within your employer’s 401(k) or retirement plan and pay careful attention to concentrated positions and/or embedded capital gains.
Time tested
Our investment philosophy is grounded in years of academic rigor and has stood the test of time from one market to the next. We subscribe to Modern Portfolio Theory.
Globally diverse
We take a global perspective beyond the 500 largest US companies to gain exposure abroad to help reduce concentration risk.
Cost conscious
We feel strongly that the cost you pay is one of the most important factors that you as an investor can control and managing investment expenses can lead to long-term investment success.
Risk appropriate
We partner with you to ensure your comfort with investment risk matches the amount of risk you need to take through our financial planning work together.