What I Do
I’m here to help you retire with clarity and confidence. I bring everything together—investing, income, taxes, and insurance—so you can focus on the life you’ve worked so hard to build.
Investment Management
Smart investing for a smoother retirement.
I design investment portfolios that aim to lower risk, grow your money, and turn your savings into a steady paycheck.
Here’s what I focus on:
- Keeping Costs Low
High fees can drag down your returns. That’s why I use low-cost index funds that have a strong track record. - Reducing Taxes
I build portfolios with low turnover, which helps avoid unnecessary taxes and hidden costs. - Choosing the Right Mix
I only invest in asset classes backed by solid research—and that work well together to reduce risk. - Rebalancing Regularly
This helps me buy low, sell high, and keep your plan aligned with your goals—without getting distracted by the headlines.
Retirement Planning
A clear plan for the life you want.
My retirement planning process helps you:
- Avoid running out of money
- Understand your financial future
- Pay less in taxes
- Bring all the pieces together
I use powerful tools behind the scenes, but I explain everything in plain English. And as life changes, I update your plan with you.
Retirement Income
Turn your savings into income.
I help you build a plan that pulls income from the right places at the right time. That includes:
- Social Security
- Pensions
- Rental income
- Required Minimum Distributions (RMDs)
- Dividends, interest, and more
Why it matters:
It’s easier than most people think to end up in a higher tax bracket in retirement. I help you avoid that.
Tax Planning
Pay less in taxes now—and later.
With year-round planning, I help you find ways to reduce your tax bill today and in the future.
What’s included:
- Roth conversion strategies
- Smart timing of income streams
- Tax-efficient investing
- Charitable giving strategies
- And more
I stay on top of changing tax laws, so you can feel confident you’re not missing anything.
Tax Preparation
Yes, I even do your taxes.
You’ll get an annual credit that covers the reasonable cost of tax prep through my sister company, Encore Tax Services. I do this to keep everything under one roof—simple and stress-free.
Insurance Optimization
Get the right protection at the right price.
I review your current coverage and help you find better options if needed. And if a policy no longer fits your life, I’ll help you unwind it safely.
I regularly review:
- Life Insurance
- Long-Term Care
- Annuities
- Disability Insurance
- Home & Auto
- Umbrella Policies
- Health Insurance
As a fiduciary, I work for you—not an insurance company.
Ready to Take the Next Step?
If you’re looking for clear answers and a retirement plan that actually fits your life, I’d love to help. Whether you want a second opinion or you’re starting from scratch, let’s talk. I’ll walk you through your options, explain how I work, and help you decide what’s right for you—no pressure, ever.