• Budgeting & Cash Flow – Spend wisely without feeling restricted.

• Debt Payoff & Credit Building – Crush debt without derailing your future.

• Smart Investing – Set up retirement accounts and let compound interest do the heavy lifting.

• Emergency Fund – Because life happens.

• Maximizing Employer Benefits – Your job likely offers perks beyond a paycheck—401(k) matches, HSAs, stock options, insurance benefits. We help you optimize what’s already available so you’re not leaving free money on the table.

• Disability Insurance – Your ability to earn income is your greatest asset. Protect it with coverage that replaces lost income if you're unable to work.

• Basic Estate Planning – Even young professionals should consider a simple will, power of attorney (financial & medical), and a healthcare directive—especially if they own assets or have dependents.

• Roth IRA Strategy – Max out tax-free growth opportunities while you’re in a lower tax bracket.

How We Help: We take the guesswork out of money decisions so you can start strong, save smarter, and invest early.

• Retirement & Tax-Efficient Investing – Keep more of what you earn.

• Insurance & Estate Planning – Protect what matters most.

• Home Buying & Major Purchases – Make smart, non-regret-inducing financial moves.

• College & Education Planning – Start saving for tuition without sacrificing your own future.

• Childcare & Private School Costs – Plan for daycare, extracurriculars, and education expenses before they sneak up on you.

• Mortgage Payoff Strategy – Should you pay off early or invest instead? We help you balance debt vs. growth.

• Umbrella Insurance – As your assets grow, liability risk increases. An inexpensive umbrella policy adds extra protection.

• Mini-Retirement Planning – Want to take time off? We can help you plan for it.

How We Help: We don’t just talk about financial freedom—we live it. We took a one-year sabbatical to travel full-time with our kids. If you’ve ever dreamed of stepping away from work for a while, let’s make it happen.

With retirement around the corner, this is the time to lock in financial security and ensure you’re set up for a smooth transition.

• Retirement Income Planning – Shift from saving to generating a steady income.

• Maximizing Social Security Benefits – Get the most lifetime income by choosing the right claiming strategy.

• Tax & Roth Conversion Strategies – Reduce taxes on withdrawals and convert assets before RMDs kick in.

• Medicare Planning – Navigate coverage options, avoid penalties, and minimize healthcare costs.

• Long-Term Care Planning – Understand your options for covering care costs without draining your savings.

• Debt-Free Retirement – Enter retirement with financial peace of mind.

• Safe Withdrawal Rate Planning – Ensure your money lasts with a sustainable withdrawal strategy.

• Healthcare Gap Planning – Retiring before Medicare kicks in? A COBRA, ACA plan, or HSA can help bridge the gap.

• Tax-Efficient Withdrawal Strategies – Which accounts should you tap first—taxable, tax-deferred, or Roth? A smart sequence can lower lifetime taxes.

How We Help: We ensure your income, healthcare, and tax strategy are all working together—so you can retire with confidence, not confusion.

Retirement should be about living life on your terms—not worrying about money. With the right plan, you can enjoy your hard-earned wealth without financial stress.

• Smart Withdrawal Strategies – Keep your money growing while you spend.

• Estate & Wealth Transfer Planning – Make sure your wishes—not the courts—decide where your money goes.

• Annual Beneficiary & Trust Reviews – Estate plans aren’t set-it-and-forget-it. Keep your documents updated.

• Charitable Giving & Philanthropy – Reduce taxes while supporting the causes you care about through Donor-Advised Funds (DAFs) or Qualified Charitable Distributions (QCDs).

• Fraud & Elder Financial Protection – Appointing a trusted contact and safeguarding against financial scams helps prevent exploitation.

How We Help: You worked hard for your money—now let’s make sure it lasts so you can actually enjoy retirement.

Whether you’re a 1099 contractor, freelancer, small business owner, or self-employed professional, you have access to powerful tax-efficient investment options that go beyond traditional retirement accounts.

• Solo 401(k): Contribute up to $70,000 annually, far exceeding many standard 401(k) plan limits.

• Solo Cash Balance Plans: High-income business owners can contribute up to $200,000+ per year in tax-deferred savings.

• SEP IRAs & SIMPLE IRAs: Flexible options for sole proprietors and small teams.

• Low-Cost 401(k) Plans for Businesses with Employees: We offer affordable company-sponsored 401(k) plan solutions designed to help you and your employees save efficiently. This includes Safe Harbor 401(k) plans, which allow you to maximize contributions while staying compliant with IRS nondiscrimination testing rules.

Many self-employed individuals miss out on these opportunities because they assume traditional retirement plans don’t apply to them. We make sure you’re taking full advantage of the tax and wealth-building benefits available to you.