For individuals

The pieces are in good order. What you want now is for them to work together, and to give you back your attention.

One advisor who holds the whole picture: your work, your savings, your home and the years ahead, coordinated with the people who already advise you.

How we work

What you bring us

People usually come to us with one question, and find it is joined to two others.

Accounts that never meet

A 401(k), an IRA, a brokerage account and a mortgage. Each is fine on its own. Nobody is looking at them together.

A change you can see coming

A new role, a partner, a parent who needs more help. The plan was written for the last chapter.

Knowing what you can afford

What you can spend, give and change now, with the later years still in hand.

What working together looks like

Four phases, one for each domain of the Human Wealth method, taken at your pace.

How the method works

Your Composition

WellbeingIntegrationSystemsResources

Wellbeing

Your needs, values and priorities

We start with you: what you need, what you value and what you want the money to make possible.

Phase 1 of 4

Your relationships

MotherDaughterYouPartner

Resources

Your relationships, assets and accounts

Then the people you rely on, and what you have: the accounts, the policies, the home.

Phase 2 of 4

Your systems

401(k)IRAHomeInvestmentManagementRetirementPlanningFinancialSecurityAutonomy

Systems

The systems that carry them, designed

We design the systems for saving, investing, tax and income, each written with the others in mind.

Phase 3 of 4

Your actions

Open 2

  • Consolidate the old 401(k)You
  • Plan beneficiary updatesAdvisor

Done 2

  • Done: Set the savings rateYou
  • Done: Review coverAdvisor

Integration

Brought into your life, and kept evolving

We guide the plan into daily life, and keep it evolving with you at every review.

Phase 4 of 4

Phase 1 of 4: Wellbeing

Who works on it

Most plans for one person or a couple draw on these four.

Common questions

If you have accounts in more than one place, a plan for the years ahead and a change on the way, it usually is. The first conversation is how we both find out, and we will say so plainly if another office would serve you better.

Start with a conversation.

Nothing needs to be in order first. Tell us where things stand, and we will tell you plainly whether we are the right office for it.

All seven services