New families
A new child changes the cash flow, the risk picture, and the paperwork all at once. Estate documents are the piece most people leave undone.
The questions that come up most
- 01
Estate documents that stay connected
Only about one quarter of adults have any form of an estate plan, much less one in harmony with their investment accounts. We provide free access to estate creation tools to set up your will and trust, and we keep it coordinated across your financial life.
- 02
The right account for each goal
A 529, a UGMA, an HSA, and your own retirement accounts all do different jobs, and they are taxed differently. We work out which ones belong in your plan, fund them in a sensible order, and keep the contributions optimized as your income and your family change.
Maximizing those employer acronyms - 03
The right amount of cash
We perform a cash flow analysis to understand your needs, then determine the right balance of cash to hold and how to optimize those balances. Too little can cause material stress at exactly the wrong time.
How much belongs in an emergency fund - 04
Insurance review
We evaluate your coverage to make sure you are fully protected, and can connect you with top providers if you have gaps. Smart risk management is part of good planning.
Everything is included under one transparent fee
Planning, investments, tax strategy, estate work, debt, and insurance review. Included, not upsold. Onboarding is a digital first process that runs 2 to 4 weeks.
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