Bringing Clarity to Your Financial Life
Through a collaborative process, we help create a roadmap for your money. From next steps to big picture thinking, we're right by your side. We create your financial plan (below) and then act as a partner when new situations come up.
Goal Planning & Tracking
It's hard to make progress without goals. We help you create them, stick with them, and most importantly, reach them.
Actions Items & Accountability
With our financial plan, you always know what needs to be done next, what's upcoming, and what you're working works.
Financial Metric Monitoring
Using Elements Financial App, we always have an in-depth look at the most important money metrics in your life.
We look through the windshield to try to lower your lifetime tax bill, not just the amount you pay this year.
Retirement & Education Planning
Whether you're decades away or moments from retirement or funding college, success takes careful planning ahead of time & in the moment.
Insurance Reviews & Analysis
While we don't sell insurance, we evaluate what you have and offer suggestions and implementation for a proper path forward.
Our investment philosophy is based on three principles:
We believe the lower the costs of investments, the greater share of an investment’s return an investor can capture. We prioritize low-cost options, as historically, they have outperformed high-cost alternatives. By constructing investment portfolios using low-cost index funds, we bolster the success rate of our clients' portfolios while reducing unnecessary risk.
While holding investments for decades might not be practical for most investors, we build porfolios with low turnover. Each time and investent is bought or sold, costs are incurred, including transaction fees, taxes, and hiden costs like bid-ask spreads. These costs erode invetment returns. To optimize returns and mitigate taxes, we intentionally select investments with low turnover.
Not all investments are equally valuable. Just because an investment option exists does not necessarily make it suitable. Our investment strategy focuses on asset classes that have been proven through academic research to offer superior risk-adjusted returns. Furthermore, we emphasize the importance of investing in asset classes that work well together within a diversified portfolio, exhibiting low or negative correlation. For instance, while corporate bonds may behave similarly to stocks during catastrophic events, they do not provide the desired diversification for most investors.
Appropriate Asset Classes
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As a fiduciaries, our primary responsibility is to make investment decisions in your best interest. This means disregarding daily headlines and instead adhering to evidence-based solutions that stand the test of time.
Taxes are an essential part of your financial life, and effective tax planning can make a significant difference in your financial well-being. We offer personalized tax planning services to help you optimize your tax situation and keep more of your hard-earned money.
Our personal tax planning includes:
Income Tax Optimization -
Analyze your income sources and deductions to reduce your tax burden.
Investment Tax Planning -
Make tax-smart investment decisions for better returns.
Estate Tax Planning -
Protect your assets and family legacy with efficient estate planning.
Retirement Tax Strategies -
Ensure a comfortable retirement while minimizing tax implications.Download a Sample
Getting Killed On Taxes?
This checklist offers 20 tips you can use right now to reduce your taxes!