Your Business
Three practices

The work, in detail. What you'll receive — and when.

A working description of how we plan, where the leverage is in each engagement, and the artifacts you should expect to see at the end of year one.

01 · Retirement planning

A written income plan, reviewed every year.

The transition out of a paycheck is the most consequential financial decision most households ever make. We build a thirty-year cash-flow model that survives recessions, sequence-of-return risk, healthcare shocks, and the practical question of how much to give your kids while you're alive to watch.

Who this is for

Households 55 to 75, with $1.5M to $15M in invested assets, who want a living plan rather than a portfolio statement.

What we do

  • Build a thirty-year cash-flow model with three economic scenarios
  • Time Social Security against pension and bridge income
  • Coordinate Medicare enrollment and Part B IRMAA brackets
  • Set a sustainable withdrawal rate by year, not by rule of thumb
  • Coordinate Roth conversions in low-income years
  • Annual rebuild every January with prior-year actuals
Sample artifact · thirty-year projectionCLIENT · CONFIDENTIAL
YearAgeSpendPortfolioWithdraw %Conversion
202664 / 62$182,400$3,840,0003.6%$120,000
202765 / 63$188,000$3,910,0003.7%$140,000
202866 / 64$192,500$3,975,0003.8%$160,000
202967 / 65$196,000$3,920,0004.0%$0
203068 / 66$201,000$3,890,0004.1%$0
203169 / 67$205,500$3,855,0004.3%$0
02 · Tax-aware withdrawal

The right dollar from the right account.

Most retirees hold three buckets — taxable, tax-deferred, and Roth. Most retirees withdraw from them in the order they happened to fund them. We coordinate withdrawals to fill specific tax brackets, harvest losses against gains, and keep IRMAA and NIIT triggers in view all year, not just at filing.

Who this is for

Retirees with mixed account types and any household whose AGI swings significantly from year to year.

What we do

  • Map asset location across taxable, IRA, and Roth
  • Set an annual bracket target with your CPA in November
  • Run loss-harvesting trades twice a year
  • Sequence Roth conversions ahead of RMD age
  • Coordinate qualified charitable distributions and donor-advised gifts
  • Watch IRMAA, NIIT, and AMT thresholds at every withdrawal
Sample artifact · tax-loss harvesting summary, Q3REALIZED · YTD
LotHeldCostSoldRealizedReplacement
VTI · 480 sh14 mo$112,800$108,200−$4,600ITOT
VEA · 920 sh22 mo$48,300$44,150−$4,150SPDW
SCHB · 310 sh9 mo$18,900$17,650−$1,250SCHK
YTD harvest−$10,000
YTD gains+$10,400
Net+$400
03 · Small-business advisory

Five-year exit timelines, not last-quarter rescue plans.

An owner-operator's wealth lives inside the business. Most planning starts the year before a sale, when it's already too late to change the structure of the deal. We start years earlier — on entity, on comp, on the readiness of the team — so that when the call comes the answer is yes.

Who this is for

Founder-led companies between $2M and $30M in revenue. Often second-generation. Often without a CFO.

What we do

  • Coordinate entity structure with attorney and CPA
  • Design owner compensation and retirement contributions
  • Build a personal-balance-sheet view that excludes the business
  • Map a five-year exit-readiness scorecard
  • Coach toward a transferable management bench
  • Stand alongside in the post-sale wealth event
Sample artifact · exit-readiness timelineYEARS BEFORE SALE
Year −5Clean books, lock down owner add-backs, document customer concentration.
Year −4Hire the second-in-command. Define their authority on paper.
Year −3Personal liquidity build. Owner withdraws to a one-year operating reserve.
Year −2Quality-of-earnings rehearsal with a sell-side advisor.
Year −1Estate freeze, gifting strategy, charitable structures finalized.
Year 0Sale closes. Wealth-event plan deployed within thirty days.

0.65% AUM · planning included

No commissions. No revenue sharing. No proprietary products. Fees decline above $2M and are billed quarterly in arrears against the prior quarter's average balance.

Frequently asked.

Do you have a household minimum?+
Our minimum annual fee is $6,500, which works out to roughly $1M in invested assets. We've made exceptions for clients in transition — heirs of a long-time client, founders mid-sale — who will cross the line within twelve months.
Will I work with a junior advisor?+
No. Every household is owned by Margaret or Daniel from the first call to the last review. We do hire associates for analytical support, but you will not be handed off.
How do you select investments?+
We use a portfolio of low-cost index and factor funds, with municipal-bond ladders for taxable accounts above $1M. We rebalance on bands rather than the calendar.
Where are assets custodied?+
Schwab is our primary custodian. Clients see balances and trades directly through Schwab Alliance — Your Business never holds assets and never has authority to move money to a third party.
Are you taking new clients?+
We accept eight to ten new households per year and cap the firm at 110. As of this quarter we have capacity. The intro conversation is the first step.

Ready to talk?

Thirty minutes. No prep required. We'll either be a fit or we'll tell you who is.

Schedule an intro →