It depends on what you're getting for it. Our fee covers comprehensive planning and portfolio management together — tax-aware investing, equity compensation planning, and a plan that's reviewed and adjusted year-round, not just at signing. Many clients find that avoiding a mistimed RSU sale, a missed tax deadline, and a missed rebalanced portfolio will offset a meaningful part of the fee on their own. We're fee-only, so our only incentive is doing right by your plan.

No. Our business owner track is built to cover both sides at once. Your business finances and your personal finances affect each other every month. We treat them as one picture.

We model your specific numbers — other income sources, tax bracket, health and longevity assumptions, and spousal benefits — at several claiming ages, so you can see the tradeoff in dollars, not just in the abstract. There's rarely one universally “right” age; there's a right age for your plan.

We build a cash flow model of your retirement years and stress-test it against market downturns, inflation, and different spending levels. Instead of a single number, you get a clear picture of what's sustainable and what would need to change if markets underperform.

It starts years before any sale. We help you understand what your business is actually worth, build the personal financial plan that tells you the number you need from a sale, and put a timeline in place — whether that's a sale to a third party, a partner buyout, or a family succession.

It depends on the asset. Inherited retirement accounts (like IRAs) generally carry required withdrawals and tax rules that differ from what applied to the original owner; inherited brokerage accounts typically get a stepped-up cost basis; inherited life insurance proceeds are usually not taxable. We'll walk through what you actually received and what it means for your tax return before you make any decisions.

It depends on what you inherited. Inherited IRAs are generally subject to a 10-year withdrawal window under current rules, and other decisions, like whether to sell an inherited property or brokerage account, have their own timelines and tax consequences. You don't need to decide everything on day one, but we'll clearly tell you which clocks are actually running.

That's okay — we have a starting point for you. Our Financial Consultation is a limited-scope engagement designed for individuals early in their wealth-building journey with a household income under $80,000. If you're motivated to get your financial decisions on the right track but aren't ready for a more comprehensive engagement, this is the place to start.