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We do both. We match your investments to your plan using the same kind of methods a pension fund uses. This means your investments, which are held at Charles Schwab, will be coordinated with your plan so your income, portfolio and taxes all work together.

We’re a fee-only firm, which means we’re paid directly by clients through a transparent investment management and planning fee—no commissions or product sales.

Yes. As a fee-only fiduciary, we’re required to act in your best interest at all times. This is different from "fee-based". A "fee-based" advisor can act as a fiduciary or a sales-person, depending on what hat they're wearing at the time they make a recommendation.

No—while we’re based in Maryland, most of our work is done virtually, so we can serve retirees across the U.S. with secure video meetings and online tools.

We'll learn about your retirement vision and concerns, answer your questions, and give you a clear overview of our approach. It's a relaxed conversation to see if we're a good fit—no pressure, no sales pitch.

We’re typically the best fit for households with at least $750k in investable assets, since that’s where retirement income, tax, and Social Security strategy can add meaningful value.

We specialize at the intersection of retirement planning, investment management, and multi-year tax strategy. We see second and third-order effects others miss—like how Roth conversions affect Medicare surcharges three years later. Most advisors compartmentalize these areas; we coordinate everything because they're inextricably linked.

We typically use low-cost ETFs to structure a portfolio designed to meet your specific cash flow needs, not generic portfolios based on "risk tolerance". Matching assets to your expenses, based on timing and importance, means you'll have both an income floor for necessary spending and portion that is positioned for growth. All while prudently trying to optimize for lower taxes.