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Over the years, we’ve come to specialize in guiding two distinct groups of clients: those transitioning into or navigating life in retirement, and those who have reached financial independence—often between ages 45 and 60—yet continue working because it brings them a sense of purpose and challenge. Typically new clients coming to us have a net worth of $3M - $30M, with an average of about $7M, and are looking for a trusted, personalized advisory relationship. To help illustrate who we serve and how we can support them, here are a couple client scenarios (with names and certain details adjusted for privacy):
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—a dynamic couple enjoying a life fueled by both passion and purpose
David, a senior engineer, and Susan, a physical therapist, had always been diligent savers and felt comfortable managing their own finances. As they approached retirement, though, they weren’t sure if they were missing something and felt hesitant to take the step into retirement. They wanted to make sure they were thinking through all the “what ifs” so they could retire with ease.
David was initially hesitant to spend the money on a financial advisor, but within two meetings he and Susan were pleasantly surprised at how much clearer their retirement plan looked. Together, we:
Confirmed retirement income and expenses and implemented a bond ladder for the first few years of retirement expenses—helping reduce sequence of return risk
Built and stress-tested their financial plan with Monte Carlo simulations to show how it would hold up in a variety of market conditions
Talked through potential unexpected retirement expenses and how they would affect their long-term plan
Refined their charitable gifting strategy, saving them a meaningful amount on taxes
Increased the after-tax yield on their cash positions without sacrificing liquidity
Like many, they found the transition from the accumulation years to the decumulation stage of life a big adjustment. But today, they’re thriving—exploring state and national parks across the country in their new camper, spending more freely on family experiences, and giving back to their community. With a clear plan in place, they have the freedom to focus on the things that matter most in this new season of life.
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—a former executive at a successful tech company
After decades of hard work, she was finally ready to transition into life after work. Initially, she had her finances managed by a large national firm, but something felt off. She never quite got the time, attention, or guidance she truly craved. Tired of feeling like a number in a system, Debra decided to consider a smaller, more personalized advisory experience.
From the moment we began working together, she realized this was exactly the partnership she needed. Together, we didn’t just glance over the numbers; we dived into every detail—her retirement plans, investments, insurance, and all the personal transitions she was facing. Our conversations went deeper than she ever expected.
Debra found herself at a critical juncture, wondering, “What’s the next right move?”
She felt stuck between wanting to slow down and explore new interests, but still not fully sure she could afford to relax. Once she had a clear picture of her finances and options, she was amazed at how many doors remained open. It turned out she really could travel, take a few months off to attend spiritual retreats, or even dabble in a new creative project.
As Debra took time away from her familiar routines, she finally had space to think. Every step of the way, we were there to validate her choices and remind her that she was more than prepared financially. Having that safe, comprehensive support meant she could look to the future with genuine hope and excitement.
By the end of our first year working together, Debra told us, “This is exactly what I was hoping for—to go through everything and really talk it through.” Now, she feels seen, understood, and fully supported in embracing the next adventure life has to offer.