Personal Financial Planning
A full plan for your family — retirement, education, the big years ahead.
- Retirement income strategy
- Education funding (529, UTMA)
- Cash-flow + budget review
- Annual goal check-ins
✦Family-owned since 1985✦
Independent financial, insurance, and tax advisory built around your family — not commissions. 38 years guiding families through retirement, taxes, insurance, and the in-between.
Credentials & Memberships
✦What we do✦
No silos. Your tax person talks to your insurance person talks to your planner — because they all sit at the same table.
A full plan for your family — retirement, education, the big years ahead.
Year-round tax work — we plan, you pay only what you owe.
Independent — we shop your coverage across 30+ carriers, not just one.
Disciplined investing aligned to your risk tolerance and time horizon.
Wills, trusts, beneficiaries — the paperwork that protects what you built.
Bookkeeping, payroll, succession — for owners who want to focus on growing.
✦How we work✦
No high-pressure pitch. No sales calls. We earn your trust before we earn your business.
01
Tell us where you are and where you want to be. No pitch, no pressure.
02
Send us last year's returns, current policies, statements. We do the homework.
03
We sit down — in office or video — and walk through your full plan together.
04
We handle the paperwork. Then we meet once a year to keep everything on track.
✦Meet the team✦
CFP® · ChFC
Senior Financial Advisor
24 years guiding families through retirement, college funding, and the in-between years.
CPA · EA
Tax & Accounting Lead
Personal and business tax. Specialty in S-Corp election and self-employed planning.
CIC · CLU
Insurance Specialist
Independent across 30+ carriers — life, disability, long-term care, business risk.
JD · LL.M.
Estate Planning Counsel
Wills, trusts, and the family conversations no one wants to have but everyone should.
✦Why families stay✦
“They put together a retirement plan that actually let us retire early. After 12 years with them, I can't imagine having anyone else handle our family's finances.”
Robert & Maria Hayes
Retirement clients · 12 years
“I called three other firms. Yours was the only one that explained tax strategy in plain English. Saved me $14k my first year.”
Sarah Lin
Small business owner
“When my husband passed, they walked me through everything — life insurance, his pension, the tax implications. They didn't just handle paperwork. They treated me like family.”
Margaret Williams
Estate planning · 8 years
✦Common questions✦
Your first 30-minute discovery call is always free. After that, our fees are transparent and depend on the work — flat fee for tax prep, fee-only for planning, commission for insurance (only paid by the carrier).
For our financial planning and investment work, yes — we are fee-only fiduciaries, meaning we are legally required to act in your best interest, not earn commissions on what we recommend.
Last year's tax return, current insurance policies (life, home, auto), retirement statements (401k, IRA, pension), and any wills or trust documents you already have. Don't worry if you're missing things — we work with what you have.
Yes. We are licensed in 47 states and meet with most clients via secure video. About a third of our families have never set foot in our office.
Always. We are bound by federal financial-privacy law (Reg P) and our internal protocols exceed the minimum. Your data never leaves our systems.
We are happy to give a second opinion at no cost. About 40% of our new clients come to us this way — most stay because of how we explain things.
Still have questions? Call us at (000) 000-0000 — we don't mind.
✦ Free consultation ✦
30 minutes. No prep needed. We listen, you ask, and you leave with at least one concrete next step — even if you never work with us.
Visit us
500 Main Street, Suite 200 · Your City, ST 00000
Easy parking out front
Office hours
Mon – Fri · 8:30 AM – 5:30 PM
Saturday · By appointment
Reach us
(000) 000-0000
hello@yourfirm.com