When your next financial decisions shape your future. You shouldn't face them alone.

No. The first conversation is complimentary and designed to be a low-pressure opportunity to get to know each other. We use this time to understand your goals, answer initial questions, and determine whether working together makes sense. From there, we’ll clearly outline any next steps so you can decide how you’d like to move forward.

We help individuals and families make thoughtful financial decisions with clarity and confidence. Our work includes retirement planning, income strategy, investment management, and ongoing guidance through life’s transitions.
Rather than offering one-size-fits-all solutions, we focus on building personalized plans that evolve as your life, priorities, and circumstances change.

Our process begins with listening. We take time to understand your goals, values, family dynamics, and overall financial picture before designing a strategy.
From there, we build a personalized plan that is thoughtful, flexible, and aligned with your long-term objectives. Planning is an ongoing process, and we regularly review and adjust strategies as life changes.

Yes. When appropriate, we provide ongoing investment management as part of a broader planning relationship. Investments are managed within the context of your overall plan, income needs, and long-term goals.
Our approach emphasizes discipline, diversification, and alignment with your strategy rather than reacting to short-term market movements.

Working with an independent advisor means your plan is built around you, not a corporate platform or proprietary agenda. As an independent, fiduciary firm, our responsibility is to act in your best interest and provide guidance aligned with your goals and priorities.
Independence allows us to remain objective, flexible, and thoughtful in how we design strategies and adjust plans over time. We focus on long-term relationships and personalized guidance rather than predefined models.

We typically work with individuals and families who value thoughtful planning, clear communication, and an ongoing advisory relationship. Many of our clients are approaching or in retirement, navigating a major life transition, or seeking clarity around long-term financial decisions.
What matters most is not a specific life stage, but a desire for collaborative planning and long-term guidance.

A good fit is mutual. We work best with clients who value open communication, thoughtful decision-making, and a long-term planning relationship.
The initial conversation is designed to help both sides determine whether our approach aligns with your needs, expectations, and goals. If it does, we’ll outline next steps clearly. If not, we’re always happy to help point you in the right direction.

Yes. While we are based in Northern California, many of our clients live elsewhere or travel frequently. We work with clients virtually and are equipped to provide ongoing planning and advisory services regardless of location, subject to regulatory requirements.