You earn well. Your balance sheet should show it.
At your income, off-the-shelf financial advice stops being enough. The next level is specialized strategy around risk, allocation, and taxes, coordinated in one plan.
A conversation, not a pitch. It costs you an hour.
Strong income hides slow money.
When we sit down with a physician, an attorney, or an executive and look at the statements, the income is rarely the problem. Where it lands is. The same few patterns show up again and again.
The risk dial is set wrong.
Too much risk or too little, and often both at once. What is usually missing is a foundation that does not depend on everything going right, with the right risk and reward matched to each bucket of capital on top of it.
Every dollar sits in the wrong tax bucket.
There is allocating the assets you own. There is also allocating what tax status your money sits in. We regularly see too much pre-tax money, too much post-tax money, retirement accounts underused, and no tax-free bucket at all.
Taxes get planned one April at a time.
There are two ways to plan taxes: what you can do in any given year to lower the bill, and what you can do about the taxes you will pay in all the years after. Most high earners only ever hear about the first.
The portfolio runs on autopilot.
You are busy enough that you may not know whether your portfolio is doing well or badly, or what to measure it against. A physician client had gone years without knowing what his portfolio should be measured against. He knew things were not great. He did not know how far off they were.
Foundation first. Complexity only when it earns its place.
We start with the foundation: the plan, the risk framework, and the tax structure of your accounts. From there, strategy gets added deliberately over time, each piece refining your exposure, your outcomes, or your tax picture.
That can include tax-efficient portfolio management with direct indexing, coordinated tax planning with your CPA, and, where it fits the plan, access to private investments in real estate, energy, and private equity that are not typically available in standard brokerage accounts. Diversification beyond the usual two asset classes, chosen for the role it plays in your plan.
And you will always know how it is going. Our reporting shows your performance against a named benchmark, with an explanation of how these assets are built to behave in the market we are in. No guessing between meetings.
First, we show you the trajectory you are on.
That is the whole first move. Your current path, on paper, with real numbers.
Then we show you the specific moves available to you, and what a different trajectory looks like with those ideas in place. For most professionals it is a mixture of tax positioning, allocation, and insurance planning for protection. You see it before you decide anything.
You lose an hour. You gain a second opinion on the wealth your career is building.
What high earners ask us.
- I already have an advisor. Is a second look worth my time?
- That is exactly what a first conversation is. We look at your trajectory, your tax buckets, and your risk framework, and tell you what we see. If your current plan holds up, you leave with confirmation. If it does not, you found out in an hour.
- How do you get paid?
- We will walk you through exactly how we are compensated in the first meeting, before you decide anything, and it is written plainly in our Form CRS. Transparency here is not a courtesy. It is how trust starts.
- Where would my money actually be held?
- Fee-based accounts are custodied at Charles Schwab, one of the largest custodians in the country. Your money is held in your name, and you can see it at any time.
- I do not have time to manage this. How much do you need from me?
- Less than you think, and that is the point. The heavy lifting is ours. Your job is a small number of scheduled meetings a year where you make decisions with clear information in front of you. Between them, we watch it, and our reporting tells you plainly how it is going.
Your income is doing its job. Put the rest to work.
One meeting. Worst case, you leave with a second opinion on the wealth your career is building.