The investments are the investments. The plan is everything else.
We look at your full picture, income, taxes, insurance, and legacy, so every recommendation makes sense together.
Ten pieces. One plan.
Every plan starts the same way: understanding your specific goals before talking about products. Below are the ten pieces we look at to build yours.
The foundation of everything I do.
We look holistically at your entire financial picture, 401(k)s and IRAs, Medicare, insurance, and taxes, so every decision gets made in the context of your specific goals, not in isolation.
Know where your income is coming from before you stop working.
When to retire, when to take Social Security, how to make your income last. These are the questions we help you answer with a plan built around your specific number, not a rule of thumb.
Boeing pension or WA state system, fluent in both.
Whether you are weighing a Boeing pension against a lump sum, or trying to understand PERS, SERS, or TRS as a Washington state or municipal employee, this is where Chad’s specialist knowledge runs deepest.
Keep more of what you have worked to build.
Roth conversions, tax strategy tied to your Social Security and Medicare decisions, and a plan that looks at what a choice today costs you in taxes tomorrow, not just this year’s return.
Not a budget. A plan for your actual life.
We do not like the word budget, it makes it sound like a diet. This is about knowing what you actually want to spend in retirement and building a plan that supports that lifestyle.
This is personal to me.
My daughter has special needs, and I have spent years learning how to navigate special needs trusts, guardianship, and government benefits like SSI and Medicaid so families do not have to figure it out alone.
The people you love, provided for.
Making sure your plan protects the people who depend on you, from basic legacy planning to special needs trusts for a dependent who will need support long after you are gone.
Know what you have, what you need, and what to keep.
Reviewing what coverage you have, what you actually need, and what you can stop paying for, including long-term care coverage as you get closer to retirement.
The investments are the investments.
I build a diversified portfolio around your risk profile and your goals, and put the real time and attention into the planning conversation, not into picking individual stocks.
One more piece you have already thought through.
Helping families plan ahead for the cost of education, so it is one more piece of the plan rather than a surprise bill down the road.
Not sure which service you need?
That’s fine, most people aren’t. Start with a conversation, and we will figure out where to focus from there.