Financial Planning
Our client-centered financial planning provides personalized, bespoke services typically reserved for the ultra-wealthy. When you're ready to grow your wealth, consulting a financial advisor is essential. Our process involves a detailed understanding of your financial situation, developing a customized plan, and providing ongoing, fee-only investment management to help meet your financial goals.
Stock Option Planning
We understand the nuance of stock options and how Silicon Valley clients can have huge tax burdens. We specialize in tax planning, investment strategies, and early retirement planning.
Our comprehensive approach includes understanding the nuances of Non-Qualified Stock Options (NSOs), Incentive Stock Options (ISOs), Restricted Stock Units (RSUs), and Employee Stock Purchase Plans (ESPPs). We also offer specialized guidance for navigating IPOs. Our expert advisors guide you on when to exercise your stock options to minimize taxes and maximize profits.
401(k) Management
We know for many people, your 401k is the single most important source of retirement income. We assist you in selecting the right funds, actively monitor performance, and rebalance your portfolio to align with your evolving retirement goals. For self-employed individuals, we offer specialized guidance on self-directed (solo) 401(k) investments, maximizing contribution limits and exploring diverse asset classes. Our approach integrates your 401(k) into your overall financial picture, considering factors like job changes, rollovers, and long-term financial objectives.
Investment advice
With over four decades of stock and bond market experience, we craft custom portfolios of individual stocks and bonds. We focus on generating passive income growth and secure bond interest income. We offer ongoing investment management, and maintain accessible minimum investments starting at $500,000, with flexibility for younger investors. Our holistic approach supports clients through life changes, prioritizes early wealth-building, and optimizes tax planning for retirement.
Retirement Planning
A question that inevitably lurks in the back of everyone's mind: when do I have enough to retire. We’ll help you with our holistic approach and consider all aspects of your life, from healthcare costs and insurance needs, retirement income to wealth preservation and distribution. We guide you through the complexities of various retirement plans—including IRAs, 401(k)s, Roth IRAs, while helping you avoid common pitfalls such as mutual funds with high fees, when to shift contributions to a Roth, or overlapping holdings.
Social Security Planning
We'll help you make informed decisions about claiming age, spousal benefits, and how continued work affects your payments. Click here to find out what your social security benefits currently look like and what your potential monthly benefits would be. By integrating Social Security planning with your other retirement income sources, we create a comprehensive strategy tailored to your financial goals.
Eldercare Planning
We provide compassionate and effective eldercare planning services to help you prepare for the future care of yourself and your loved ones. Our experienced team, led by founder Carol Gosho, understands the challenges of eldercare firsthand. We offer personalized financial strategies to address the high costs of senior care, from in-home services to assisted living and memory care facilities. Let us help you create a tailored eldercare plan that protects your family's financial well-being and quality of life.
Generational Wealth
Effective wealth management requires a long-term perspective. We ensure your key documents - will, living trust, and powers of attorney - are up-to-date and properly structured. We verify correct asset titling and confirm that beneficiaries and successor trustees align with your wishes. Importantly, we also facilitate clear communication, ensuring your potential heirs understand the financial plans you've established for the future.