What are you worried about?
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Comprehensive Financial Planning
What can financial planning do for you? Here are some very common thoughts that keep people up at night. Do any of these sound like you?
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Are we saving enough for retirement or are we spending too much on organic berries?
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We have $50k sitting in a savings account earning nothing. What should we do with it?
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My company just gave me stock options. What does that mean? What do I do? That's good, right?
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We just had a kid. Do we need, like, wills and life insurance and stuff now?
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Are we going to be okay?
If you're nodding along, here's how we will work together.
First, we figure out where you actually are
We talk. About your goals, about your worries, about what you're optimizing for. I ask questions that might feel obvious, but that I bet you've never sat down to actually consider. It's important because your answers shape everything that follows. Your neighbor's financial plan doesn't work for you. Yours has to be built on your life.
Doctors don't prescribe until they’ve diagnosed. Same idea here.
Then, I build your plan
Once we've collected all your financial data, we use software that shows us exactly where you are and where your current path is taking you.
Then I build a custom plan. Not a template with your name on it. Something based on your income, your goals, your family, and your reality. We'll talk through what actually needs to happen now and what can wait.
Next, we make it happen
This is where shit gets real. We will open accounts, adjust your portfolio, update beneficiaries - whatever the plan calls for. This part takes anywhere from 3-12 months depending on your situation and how busy life gets. I'll track all of it so nothing falls through the cracks. Some things I can do for you, some things I can't. I do what I can and sit next to you for the things I can't.
After that, we adjust as life changes
The biggest benefit of working with one advisor over many years is that I already know your situation. When something changes, we can move fast instead of spending three meetings getting someone new up to speed.
Having another kid? Buying a new house? Quitting your job to become a competitive quilter? We'll figure out the financial side of all of it.
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Investment Management
I do our investment research myself. If you wonder why we own a specific fund or why we own so much of a particular asset class, I don't have to ask someone else. I know. You'll never hear, "I have to ask our investment team." I am the investment team.
For you, this means:
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faster answers
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portfolios that reflect your values
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fewer black boxes
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no outsourced decisions
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Individual stock portfolios
I have a lot of experience picking stocks. Individual stocks find their way into client portfolios where appropriate. Because I do my own research, I can answer any questions you have as to why I own a specific stock.
I've also seen how much easier it is to relate to specific companies rather than abstract funds or ETFs. This will help you connect more with your investments and, in unique instances, help you appreciate the world around you in a different way.
Where it is appropriate, I manage concentrated stock portfolios of small, microcap, and special situations for clients. Contact us for details.
