Stay the Course
Market volatility is normal. Successful investing means having a plan and sticking to it through ups and downs, not trying to time the market.
Accepting new clients
Simple investing with a
proven track record.
Whether you plan to retire at 65 or 45, build a straightforward investment strategy using time-tested principles — low-cost index funds, broad diversification, and staying the course. Simple financial planning that actually works.
Retirement planning
Portfolio review
Index investing
Tax optimization
Initial Consultation
Free
Ongoing Support
Hourly · Retainer options
Location
Remote or in-person
Philosophy
Time-tested principles
Simple investing strategies that have worked for decades. No gimmicks, no market timing, no expensive actively-managed funds.
Diversify Broadly
Spread risk across thousands of companies and bonds through low-cost index funds. Don't put all your eggs in one basket.
Minimize Costs
Every dollar paid in fees is a dollar that's not compounding for your future. Low-cost index funds consistently outperform expensive active management.
Asset Allocation
Your mix of stocks and bonds should match your timeline and risk tolerance. Rebalance periodically to maintain your target allocation.
Tax Efficiency
Maximize tax-advantaged accounts (401k, IRA, HSA). Place tax-inefficient assets in retirement accounts and tax-efficient ones in taxable accounts.
Keep It Simple
A portfolio of 3-4 low-cost index funds can capture global market returns. Complexity doesn't improve returns — it just adds confusion and costs.
Services
How I can help
Portfolio Review
Analyze your current investments
We'll review your current portfolio, identify high-fee funds, check your asset allocation, and look for opportunities to improve tax efficiency.
Typical outcome: Lower fees, better diversification, clearer strategy
Retirement Planning
Build your path to financial independence
Calculate how much you need to save, optimize your savings rate, and create a realistic timeline for retirement or financial independence.
Typical outcome: Clear savings target, optimized contributions, confidence in your plan
Investment Strategy
Design a simple, effective portfolio
Build a 3-fund or 4-fund portfolio using low-cost index funds that matches your risk tolerance, timeline, and goals.
Typical outcome: Simple portfolio, low fees, globally diversified
Tax Optimization
Maximize tax-advantaged accounts
Optimize your use of 401(k), Traditional/Roth IRA, HSA, and taxable accounts. Implement tax-loss harvesting and asset location strategies.
Typical outcome: Lower tax drag, better account utilization, more wealth retained
Settlement & Windfall Planning
Make the most of lawsuit or settlement money
Receiving a large lump sum from a legal settlement can be life-changing — or overwhelming. We'll build a plan to protect the money, minimize taxes, pay down debt strategically, and invest the rest for long-term growth so it lasts.
Typical outcome: Clear allocation plan, tax-smart decisions, long-term security from a one-time event
Debt Payoff Strategy
Eliminate debt and free up cash flow
Prioritize which debts to tackle first, decide when to pay off vs. invest, and build a realistic payoff timeline that keeps you motivated and on track.
Typical outcome: Faster payoff, lower interest paid, clear path to debt-free investing
Approach
How we work together
Initial Consultation
Free
30-minute call to understand your situation, goals, and whether my approach is a good fit. No obligation, no sales pitch.
Portfolio Review
Hourly
Comprehensive analysis of your current investments, asset allocation, fees, and tax efficiency. Includes written recommendations.
Ongoing Support
Retainer
Quarterly check-ins, rebalancing guidance, and ongoing questions as your situation evolves. Annual plan updates included.
100%
Fee-only advice. No commissions, no product sales, no conflicts of interest.
3-4
Funds in a typical portfolio. Simple, globally diversified, low-cost.
<0.1%
Target expense ratio for index funds. Every basis point matters over decades.
Contact
Let's build your financial plan
Ready to simplify your investments and build a path to financial independence? Schedule a free 30-minute consultation to see if we're a good fit.