Four services, built around your income plan.

Retirement Income Planning

Retirement income planning decides where your monthly money comes from once your employment paycheck stops. It covers Social Security timing, pension elections, withdrawal sequencing, and taxes. It is a different job from growing a portfolio, and it needs a different plan.

Concentrated Stock Strategies

If a large share of your net worth sits in a single stock, you may have a difficult time getting out of the stock without an unplanned tax bill.

A concentrated position is generally any single holding worth more than roughly 10% to 20% of your investable assets. It is common for long-tenured employees who received stock grants, participated in an employee stock purchase plan, or held shares through an acquisition. The risk is that one company's bad year becomes your bad decade.

Tax-Smart Investing

Across a thirty-year retirement, small tax percentages compound into real money.

Tax-smart investing means managing the tax cost of a portfolio, not just its returns. In practice that is three things: harvesting losses to offset gains, holding each asset in the account type that taxes it least, and withdrawing in an order that keeps you out of higher brackets.

Private Markets & Alternatives

Private markets can add something a public portfolio cannot.

Alternative investments — private equity, private credit, real assets — are generally suited to money you will not need for a long time. In a segmented income plan, that means the later segments.