T W I N C I T I E S , M I N N E S O T A
You have built a great career. Now let's build the plan around it.
You have done the hard part. Now it is time to get your investments, taxes, and long-term plan working together so you can stop guessing and start knowing.
THE DIFFERENCE
Financial planning
that goes
beyond the portfolio.
Most of my clients come to me with strong incomes, solid savings, and no real plan connecting it all. They are maxing out their 401(k), have investment accounts scattered across old employers, and have never had a clear answer to the questions that actually matter. Am I on track? What should I be doing with the rest of my money? How much am I losing to taxes every year?
I coordinate investments, tax strategy, retirement income, and estate planning so every financial decision works together instead of in silos. I work directly alongside your CPA and estate planning attorney so nothing falls through the cracks and you always have a clear picture of where you stand.
services
What I do for clients
Each of these areas affects the others. I plan across all of them at once so nothing falls through the cracks.
Financial Planning
A comprehensive look at your full financial picture, covering cash flow, savings, life insurance, debt, benefits, and long-term goals so every piece of your financial life is addressed and nothing is left to chance.
Tax Planning
Choosing between pre-tax and Roth contributions based on your current and future tax brackets, Roth conversion planning, tax-efficient asset location, and year-round coordination with your CPA to reduce what you pay in taxes now and over time.
Investment Management
Constructing and managing a portfolio built around your specific goals, tax situation, and time horizon. Investments should support your financial plan, not exist in isolation from it. Portfolios are built with careful attention to costs, diversification, and long-term discipline.
Estate Planning Coordination
Working alongside your estate planning attorney to make sure your beneficiary designations, account titling, and overall plan align with your wishes and financial goals. Estate planning and financial planning should always work together.
Retirement Income Planning
Building a clear, sustainable strategy for generating income in retirement, including Social Security timing, account withdrawal sequencing, tax-efficient distribution planning, and long-term cash flow management.
Business Owner
Planning
I work alongside your CPA on entity selection, optimizing tax deductions and credits, and setting up retirement accounts designed for business owners such as Solo 401(k)s and defined benefit plans. For owners planning an exit, I help think through liquidity and what comes next.
Who i work with Built for people with complexity
My practice is built for people who want an ongoing planning relationship, not one-time advice. If you want more coordination, clarity, and confidence around your financial decisions, you are likely a good fit.
Business Owners
You face a different set of financial decisions than most. Income, taxes, entity structure, retirement accounts, and an eventual exit all need to work together. I help you think through the trade-offs and make sure the personal and business sides of your financial life are coordinated.
Sound Familiar?
Questions I Help
Clients Answer
These are the conversations I have every week. If you are wrestling with any of them, there is likely a clear answer, you just need a plan to get there.
how it works
A Straightforward Process
No jargon. No pressure. Just a clear conversation about where you are and where you want to go.
1
Initial Conversation
A 30-minute call to understand your situation, your goals, and whether we are a good fit for each other.
2
Review Your Picture
I take a full look at your finances, including investments, taxes, income needs, and estate documents, to find gaps and opportunities.
3
Build Your Plan
A clear, written financial plan that covers all the pieces, not just your portfolio. This is where the tax and income strategy comes together.
4
Ongoing Partnership
Regular reviews to keep your plan on track as tax laws change, your life evolves, and new decisions come up.
get started
Ready To See If We Are A Good Fit?
The first conversation is simply a chance to talk through your situation with
no obligation. Most people leave with clarity they did not have before.