Our investment philosophy is built on the power of evidence-based investing, not speculation. We partner with Dimensional Fund Advisors (DFA), a leader in applying academic research and Nobel Prize-winning insights to real-world investment solutions.

DFA focuses on capturing systematic sources of expected returns, or “dimensions,” which include:

• Company Size: Smaller companies have historically shown higher long-term returns than larger firms.
• Value: Stocks trading at lower relative prices (value stocks) tend to outperform growth stocks over time.
• Profitability: Companies with higher profitability generally yield better performance over the long term.

Through diversified, low-cost portfolios that emphasize these proven dimensions, we help clients pursue long-term performance with confidence and clarity.

True retirement wellness begins with a holistic plan. Our comprehensive financial planning services are designed to align every part of your financial life around your goals and values.

We focus on:

• Goal Setting: Helping you define and prioritize what matters most.
• Cash Flow Management: Balancing income and expenses to build and maintain wealth efficiently.
• Risk Management: Protecting your plan through smart contingency planning.
• Investment Integration: Ensuring your portfolio supports your overall financial strategy.
• Tax Coordination: Strategically coordinating your income sources, investments, and savings to reduce tax exposure and enhance long-term outcomes.

With every element working in sync, you gain the insight and structure to make confident, informed decisions.

In retirement, the outcome is income—therefore, our firm’s focus starts here.

We believe that successful retirement planning is rooted in creating a reliable, tax-efficient income strategy that sustains your lifestyle and protects your financial future. This is why retirement income planning is at the core of everything we do.

Our retirement income approach include:

• Social Security Optimization: Identifying the ideal time and strategy to maximize your benefits.
• Withdrawal Planning: Coordinating account distributions in tax-smart ways to extend portfolio longevity.
• Spending Stability: Designing income flows that support consistent lifestyle spending throughout all phases of retirement.

From your first year of retirement to your last, we guide you through a strategy that delivers clarity, consistency, and control over your income—so you can enjoy retirement with confidence.

Taxes can be one of the biggest drags on your returns—unless you plan smart. Our approach to tax efficiency is proactive, strategic, and tailored to your situation.

We specialize in:

• Tax-Aware Investing: Placing the right investments in the right accounts to reduce tax drag.
• Tax-Efficient Distributions: Creating personalized withdrawal strategies that minimize taxes and stretch the longevity of your portfolio.
• Roth Conversions: Assessing whether converting traditional IRAs to Roth IRAs fits your goals.
• Charitable Giving Strategies: Structuring donations to maximize impact while minimizing tax liability.

By integrating tax planning into every financial move, we help you keep more of what you earn—today and in the future.