Scottsdale fiduciary advisors with a consultative approach to retirement income: tax-aware withdrawal sequencing, custom portfolios (no mutual funds), and coordinated estate/tax planning—with accounts custodied at Charles Schwab.
Pre-retirees and retirees (generally $100k+ investable) who want clarity on what to spend, where to draw from, and how to reduce tax drag—plus business owners and former owners with added complexity (pensions, equity comp, real-estate cash flow, charitable goals).
Cash-flow mapped to your real life—not generic rules. Know exactly where your monthly income comes from.
Taxable → tax-deferred → tax-free sequencing with RMD integration. Know when to draw from which account.
Stress-tested with Monte Carlo and situational scenarios (job change, early passing, spending changes).
Individual stocks & ETFs—no mutual funds. Portfolio sized and positioned to support your income plan.
Coordinated with our in-office attorney and CPA partners. (Their fees are separate if engaged.)
Timeline: Typically, clients see their complete plan documented within 2-3 meetings, with most implementations finishing within 30-45 days.
Clarify goals, timing, fixed vs. variable spending, healthcare needs, and legacy priorities.
Model how to combine taxable, tax-deferred, and tax-free accounts; evaluate Roth conversions; plan for RMDs.
In-house portfolios of individual stocks & ETFs—no mutual funds—aligned to your plan.
Monte Carlo and situational stress tests (bear markets, healthcare shocks)—playbooks for "what if" moments.
Open/transfer accounts, schedule reviews, and course-correct as life and markets change.
Our philosophy drives every decision, and our transparent pricing reflects our commitment to your success.
Your retirement paycheck drives the portfolio—not the other way around.
Individual stocks & ETFs—no mystery mutual fund holdings.
A dollar saved in taxes is a dollar that funds your life.
We plan for uncertainty instead of betting on it.
Plans adapt as life changes—we review and adjust, not set and forget.
Comprehensive retirement income planning + portfolio management
Underlying ETF expense ratios only—we avoid mutual fund loads/12b-1 fees
Separate fees only if you engage an attorney/CPA for document drafting or tax preparation
Quick way to get started! Great for initial conversations.
Secure screen-share from anywhere—Michigan and Texas clients too.
Our Scottsdale office at 7900 E Thompson Peak Pkwy.
No. We manage individual stocks & ETFs. Clients pay our advisory (AUM) fee plus the ETF expense ratios—no mutual fund loads or 12b-1 fees.
Accounts are custodied at Charles Schwab. SIPC/excess SIPC protections apply to broker failure (not market loss). You retain control and can see your accounts anytime.
Yes. Phone and video for all clients—including Michigan and Texas—with in-office meetings available in Scottsdale.
Generally $100,000+ in investable assets. (401(k)-only guidance is available as a flat-fee option—see our Fees page.)
We coordinate planning; legal/tax advice is provided by your attorney/CPA under a separate engagement. We have in-office partners if you need referrals.
Schedule a no-obligation introductory call to see how a coordinated income plan could work for you.
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