Services.
Every client relationship begins with a financial plan. From there we add what your situation needs and leave out what it does not. Here is what each piece covers.
Financial planning.
A written plan first, before anything gets invested.
- Where you stand today: income, spending, accounts, debts, insurance.
- The retirement date, the number it takes, whether you are on track.
- Tax moves, income plan and account changes, scheduled year by year.
- Updated when life or the tax law changes.
Most often for: corporate executives, professionals, families.
Tax planning.
The tax work happens in the fall, when there is still time to act.
- Roth conversions sized to the top of your bracket, not past it.
- Capital gains timing, and which account a sale comes from.
- HSAs, gifts straight from an IRA, and donor-advised funds.
- A short analysis to your CPA, who still prepares the return.
Most often for: business owners, corporate executives, professionals, families.
Investment management.
Portfolios built to carry out the plan, not the other way around.
- A mix set by the plan: growth, income and downside protection.
- Rebalanced on a schedule, not on the news.
- Taxes considered before every sale.
- Reviewed with you at least once a year.
Most often for: corporate executives, professionals.
Retirement income.
At some point the savings have to become the paycheck.
- The withdrawal order across taxable, pretax and Roth accounts.
- Enough cash that a down market does not set the timing.
- Required distributions on schedule, and reduced ahead of time.
- The paycheck written down, month by month.
Most often for: business owners, corporate executives.
Estate and legacy.
Nobody likes talking about death, so we talk about titling.
- Wills, a trust where it helps, and powers of attorney.
- Beneficiary designations and titling checked against the plan.
- The estate readiness review: what would happen tomorrow.
- Charitable giving and a family plan, for the ones who want them.
Most often for: business owners, families.
Estate documents are prepared through Trust & Will, a third party not affiliated with LPL Financial.
Insurance and long-term care.
Long-term care is math, not a pitch.
- The life, disability and long-term care coverage you already have.
- What the plan looks like if one of you needs care for five years.
- Whether an old policy can be put to better use.
- Coverage sized to the income you would lose, and no more.
Most often for: professionals, families.
Business planning.
The business is the plan's biggest line and the hardest one to value.
- What the business is worth to the plan, and what a sale leaves you.
- This year's tax bill: plan contributions, losses and timing.
- Who runs the company, and who can get to the money, if you cannot.
- Your CPA and attorney in the loop, so the pieces agree.
Most often for: business owners.
Questions about the services.
What each piece covers, what you can keep, and what happens when the market drops.
See every questionWill you work with my CPA and my attorney?
Yes, and honestly we prefer it. The tax analysis goes to your CPA for the final say, the estate documents go through your attorney, and the plan is written so the three of us work from the same numbers. If you need one, we can introduce you to people we work with.
What does financial planning include?
Where you stand today, the retirement date and the number it takes, whether you are on track, and the moves to get there: tax moves, an income plan and account changes, scheduled year by year. It covers the investments, the taxes, retirement income, Social Security and Medicare, the insurance and the estate documents, because they only work when they work together.
Financial planningDo you prepare my tax return?
No. Your CPA prepares the return. We do the tax planning, in October, November and December when there is still time to act: we model this year and the next few, size moves like a Roth conversion to the top of your bracket, and send a short analysis to your CPA for the final say. April should not be a surprise.
Tax planningCan you work with the investments I already have?
Yes. Most people arrive with a mix of accounts collected over decades, so we start by going through what you own, why you own it, and whether it still fits the plan. Some of it stays, some of it changes, and taxes are considered before every sale. We are not here to reinvent the wheel, unless the wheel is square.
What happens if the market drops?
We plan for it from the start. The portfolio is built for the plan’s timeline, not the next quarter, it is diversified, and there is cash set aside so a bad year does not decide when you sell. And if you panic, call. Preferably before making any decisions in a cold sweat.
Investment managementDo you prepare wills and trusts?
The estate review is part of the plan: the will, a trust where it helps, the powers of attorney, the beneficiary designations and the titling, checked so your family can get to the money in weeks instead of months. The documents themselves are prepared through Trust & Will or by your own attorney, whichever fits.
Estate documents are prepared through Trust & Will, a third party not affiliated with LPL Financial.
Estate and legacyHow do you handle long-term care?
As math, not a pitch. We start with the coverage you already have, work out what a five-year stay in care would do to the plan, and say whether anything needs to change. Where coverage makes sense, it is sized to the income you would lose and no more.
Work with Nick and Rachel.
Nick won a stock-market game in grade school with a thank-you share of Disney and IBM from his grandparents. That turned into a finance degree, the designations after his name, and a practice built on honest conversations that last for decades, not a cookie-cutter plan with tax surprises in it. Nick's style is direct, friendly, and free of jargon.
Let's talk about where things stand.
Thirty minutes by phone, video or at the office. We'll go through where you are and whether we're the right fit, with nothing to sign and nothing to bring.
- A written plan first, then the investing.
- Your tax return read every year, not just filed.
- A call before there is a problem, not after.
- Straight answers on how we are paid.
Prefer to talk first? Skip the form and schedule directly.
Pick a time
Social Security and Medicare.
Nobody enjoys a Medicare ambush.
Most often for: corporate executives, families.