Six areas of practice. Most clients use four or five of them at any given moment, and the mix shifts as life does. None of these are products being sold to you. They're conversations being had with you, and decisions being made deliberately.
Discretionary and non-discretionary portfolios built around your actual situation (time horizon, tax picture, withdrawal needs), not a target-date fund and a phone call once a year. Custodied through LPL Financial.
Fee-based advisory · Fiduciary standardAccumulation through working years, then a deliberate distribution strategy: which account to draw from first, when to claim Social Security, how to think about Roth conversions, and how to keep RMDs from blowing up your tax year.
IRAs · 401(k) rollovers · Roth strategy · Social Security timingWorking alongside your CPA, not replacing them. Asset location, harvesting, withdrawal sequencing, and charitable strategies, so the plan and the tax return are on speaking terms.
Coordination with your tax professionalLife, disability, long-term care: the ones most people inherit by accident and never revisit. We look at what you actually have, what you actually need, and where the gap is closer than you think.
Life · Disability · Long-term careCoordination with your estate attorney to make sure beneficiary designations, trust funding, and account titling actually match the document. She translates between the document and the dollars.
Coordination with your estate attorney529 plans, custodial accounts, and the conversation about how much is enough. For families, foster families, and anyone funding a kid that isn't legally theirs but might as well be.
529 plans · UTMA / UGMA · Tax-favored education savingsStock-picking, day-trading, or anything that requires a Bloomberg terminal and a Red Bull.
Sales of a specific product first, plan-fitting afterward. The order matters and it's the wrong order.
Guaranteed returns, "alpha," or any market-timing theatrics. Capital markets are not a casino floor.
Tavernier office, video, or phone. Your call.
Start the conversation or call directly (305) 928-2928