Services and the LPL difference
The platform and services are designed to elevate your experience by leveraging technology to streamline the process of managing complex finances and give you confidence in your life's major financial decisions.
Diversified Portfolio
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Implement a holistic and tax efficient portfolio
Financial Planning
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Financial advice for whatever life throws you
Advice on how to manage company stock compensation
Tax planning
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Advisory 529 College saving plans
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Will/Trust for Estate Planning
LPL Financial
Similiar Fee only firm
DYI + Robo
Traditional Advisor
Wealth Management
Although many of my clients have successfully managed their investments to build their wealth, there comes a point when the complexity and potential risks require a more comprehensive platform and strategy.
Value Addition
Diversification
Use cost-effective tax efficient ETFs and mutual funds, and apply strategies like factor-based investing, behavioral finance theory, and tactical positioning to structure portfolios.​​
Risk Management
Use tactical positioning to seek to manage risks in volatile market enviroments
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Asset Location
Strategically positioning assets across accounts to optimize long-term, after-tax returns.
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Tax Focused Investing
Regularly looking for ways to capture tax-savings opportunities, such as harvesting losses to offset gains.
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Stock Compensation
Stock compensation can significantly impact your financial life, so it should be carefully planned to assess risks, returns and tax liabilities to make an informed decisions.
Value Addition
We have experience with various compensation forms, including RSU, ISO, NQO, RS, and ESPP.
Comprehending grants and vesting timelines​
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Strategizing a multi-year approach for exercising and selling
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Diversifying away from a concentrated positions
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​Modeling scenarios to evaluate options for informed decision-making
Analyzing tax implications to estimate liabilities and plan for tax payments
Acheiving Financial Independance/Retirement Planning
Many investors wish to attain financial independence to pursue their passions but lack a plan to reach this objective. A financial plan can outline how close you are to financial independence and potential strategies to improve your chances of success.
Answer key questions
When can I scale back my work career?
How much can I spend?
How should I be invested?
When can I file for social security and how much will I get?
Which accounts should I take distributions from?
Are there strategies that can help manage tax liabilities?
How much will health care cost and how does medicare work?
Estate & Legacy Planning
After dedicating much of your adult life to accumulating wealth, it's crucial to solidify your legacy. Numerous investors lack essential estate documents, which can leave your loved ones in a difficult situation and potentially reduce their inheritance with unnecessary costs.
Modern approach to Estate Planning
Develop a personalized estate plan to address the fundamentals of guardianship and basic asset distribution, or opt for a trust-based plan to bypass probate. The online software guides you through the process step-by-step from the comfort of your home allowing most clients to complete the plan in approximately 30 minutes, with the option to pay will & trust for an attorney review.
The Process
I work with investors using an interactive data-driven online process to understand their current financial situation and progress. From this analysis we can identify areas to focus on and investment options to drive your plan's performance. We then track your net worth and plan's progress through an interactive planning portal. See the portal in action below.
Fee Structure
As a fee-only advisor, I prioritize simplicity, transparency, and alignment with your investment goals. LPL operates as an independent platform without proprietary products, enabling me to choose investments based solely on their potential to meet your objectives.
Fees begin at one percent of assets invested with LPL Financial, with tiered breakpoints as your assets increase. Standard financial planning is included in my investment process for clients with over $500,000 in invested assets at LPL. Fees are charged quarterly and deducted from your account.
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