Client-focused planning to transform financial security into fulfillment.
Retirement doesn't have to be scary, nor should the thought of retirement leave you feeling anxious. If you're reading this, you probably have some questions or concerns weighing on your mind. Our goal is to help you gain the highest probability of success with the least amount of worry possible.
But first, we have to determine what you want.
By thoroughly understanding who you are and what you want your money to do for you, we can develop a course of action specifically designed for you.
We built the Bedrock system to help our clients turn their dreams into their life. Here's how it works.
Get started →We begin with a deep dive into where you stand, assets, liabilities, and your current retirement trajectory, then weigh your goals against your resources to surface gaps and opportunities. You gain clarity on your position, and your strategy gets built on solid ground.
We analyze your income sources and spending to build a sustainable cash-flow strategy, coordinating investments, Social Security, pensions, and other assets. You'll see a clear projection of your income throughout retirement: enough to maintain your lifestyle, with room for the unexpected.
We develop an investment strategy around your risk tolerance, time horizon, and income needs, presented in straightforward terms, with every chance to ask questions and adjust before anything is implemented. The result: a portfolio built to support your lifestyle with the right balance of growth and protection.
Our tax strategy aims to minimize your burden now and in the future, tax-managed withdrawal order, asset location, and timing of income, potentially saving you thousands over your retirement years. We help make sure Uncle Sam isn't your biggest beneficiary.
We review your existing insurance for gaps and redundancies, safeguarding your assets and income against life's uncertainties, and we only recommend strengthening coverage where it's genuinely needed, never adding unnecessary expense.
We review your estate documents and beneficiary designations so they match your goals and values, streamlining how assets transfer, navigating taxes, and providing for the people who matter. Your legacy lands the way you intend.
The relief of a retirement paycheck that does not depend on praying for good market timing. We organize your money by when you will actually need it, so a market you cannot control never dictates the income you live on.
Your savings are split into three buckets, each with its own job and its own time horizon.
6 to 12 months of cash for emergencies and the expenses you can already see coming, money you could pull from an ATM at 2am. It lives in checking, savings, and money market, never exposed to market risk, because you know exactly when you will need it. The furnace replacement, the car repair, the vacation.
6 to 8 years of retirement income, invested conservatively to help keep up with inflation while staying stable, a spigot on the side we turn up or down to match the income you need. That window is not arbitrary: historically, about 97.5% of market downturns recover within seven years, so this bucket buys time for the growth side to come back.
Everything else, invested as aggressively as you are comfortable with, because it will not be touched for years. This is what funds later expenses, long-term care, and the legacy you leave behind.
The buckets only do their job if they are refilled with intention. Here is the rule we follow, in every kind of market.
When markets fall, we look to leave the growth bucket alone and keep drawing your income from the Soon bucket. The idea is we try to avoid being forced to liquidate at a loss. The hope is as markets recover, we take the cream off the top from the growth and refill the Soon bucket, so the income keeps flowing through every kind of market.
Everything sits in one mixed pile. The market drops 30%, you still need income, and you are selling stocks at a 30% loss just to cover it. The Bucket Plan is built to try to avoid that.
Your dedicated financial partner, with planning, investments, investment-related tax strategy, and estate all under one roof, cohesive guidance tuned to your situation, and your time returned to your life.