What We Do
Helping you navigate every stage of your financial journey with trusted guidance and a fiduciary commitment to always put your best interests first.
What We Do for You
Every client arrives with a different story and a different goal. So before anything is modeled, moved or managed, we take the time to understand your priorities, your purpose and what a good life looks like to you.
Thoughtful Planning
Only after we understand your goals do we begin building a plan designed specifically for you. Investments, income, taxes, estate planning and risk are evaluated together—not as separate decisions, but as one integrated strategy.
When specialized expertise is needed, we collaborate with trusted attorneys, CPAs and other professionals so every part of your plan continues working together.
Living Well
A financial plan is only meaningful if it helps you live the life you’ve worked so hard to build. That’s why we design every recommendation with one goal in mind: giving you the confidence to enjoy what you’ve created. Whether you’re exploring the world, giving generously to the people and causes you care about, or finally doing what you’ve always promised yourself you would, your plan is designed to make those possibilities a reality.
How do we keep those promises? Five disciplines, answered together.
Income Planning
A working paycheck stops; the need for one does not. Income planning rebuilds it from the accounts you have spent a career filling: which account to draw from first, how much to take, and what to leave invested.
The timing decisions carry the most weight: when to claim Social Security, how to elect a pension, how to prepare for the year required minimum distributions begin. Each is made once and shapes the decades that follow, so we work through them on paper, in order, before they are due.
How much income the plan must produce, and when, sets the terms for how the portfolio is built.
Investment Planning
The portfolio serves the plan, not the other way around. Holdings are matched to your risk tolerance and your time horizon: money needed soon is positioned differently from money with years still to work.
From there, the discipline is cadence. Portfolios are reviewed on a schedule rather than on headlines, against what the plan asks of them rather than against whatever the market did last quarter.
Where investments are held, and when they’re sold, affect more than investment returns. They’re tax decisions too.
Tax Planning
In retirement, the tax bill depends less on any single year than on the sequence: the order accounts are drawn down, the years a Roth conversion makes sense, how charitable giving is timed and structured.
We coordinate that sequence with your CPA, so the tax return and the financial plan describe the same strategy. The aim is to help manage lifetime tax cost, including the taxation of Social Security benefits, not just this April’s bill.
What the tax work preserves will eventually pass to someone. That transfer deserves a plan of its own.
Legacy Planning
Who inherits, and how, should be your decision, recorded while it is easy to make. In practice that means beneficiary designations, account titling and trusts kept in line with your estate documents: quiet paperwork, checked routinely, on which the whole estate plan operates.
We work in concert with your attorney. The documents are theirs to draft; keeping the accounts consistent with the documents is work we stay on.
An estate plan holds only if late-in-life healthcare costs do not unwind it first.
Healthcare & Protection
Healthcare is the retirement cost with the widest range of outcomes. So it is treated as part of the plan: Medicare elections and long-term-care exposure reviewed within it, insurance considered inside the numbers rather than sold beside them.
The weighing happens early, while options are open: what a long-term-care event would draw from the portfolio, whether insurance is the right instrument for that risk, and what each choice costs.
Priced and planned for, healthcare becomes a line in the income plan rather than a threat to it. Five disciplines, one plan.
Private Client Capabilities
As we continue to serve you, we want to make sure you don’t forget that we offer access to a host of services. You may just want a second opinion in a certain area, and that’s what a smart consumer does. These are the areas our firm can help you with, directly or through our strategic partners when needed.
Investment Management
Retirement & Income
Tax, Trust & Estate
Protection & Legacy
This content is provided for informational purposes only. It is not designed to serve as the basis for an individual’s situation. Information and opinions contained herein that have been obtained from third party sources are believed to be reliable; however accuracy and completeness cannot be guaranteed. We are not affiliated with or endorsed by the US government or any governmental agency. Insurance services provided by Advantage Retirement Group. Investment Advisory Services offered through Tounjian Advisory Group, LLC, a Registered Investment Advisor.
How We Work
A scheduled call about where you are and where you would like to be. We listen more than we talk; the plan starts from your facts, not ours.
Built across the five disciplines above, each decision made in concert with the others, then put into effect.
Reviewed on a schedule rather than on headlines, and adjusted as your circumstances change.
