Book Your Free Assessment Today
Take the first step with a relaxed 20-minute call where we'll talk through your retirement vision, concerns, and questions—and see if our coordinated planning approach is right for you. There's no obligation or pressure to move forward.
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We're Financial Advisors That Work Best With...
Lifelong Savers In The Dangerous Decade
Couples and individuals within 5 years of retirement (before or after) who've built $750k–$5M in savings and want coordinated income, investment, and tax strategies.
Facing High Taxes In Retirement
W-2 professionals or business owners—often from corporate, medical, tech, or entrepreneurial backgrounds who want to lower their taxes paid in retirement so they can keep more.
Independent Thinkers Who Value Advice
People navigating major decisions who appreciate systems thinking and collaboration, especially independent women, whether widowed, divorced or otherwise.
Our Step-by-Step Process
To kick things off, we follow a clear, three-step process—getting to know you, structuring your retirement income and tax strategy, and then adjusting the plan together over time.
Initial Consultation
In a quick 20-minute call, we walk through your retirement vision, concerns, and questions, and give you a clear overview of our approach. It’s simply a chance for both of us to see if we’re a good fit.
Deep Discovery
We'll gather the details of your financial life and understand your goals and priorities. We'll use this information to perform our analysis, putting our experience to work for you.
Analysis & Strategy
We'll use plain english to show you how a coordinated plan works for your situation. This includes things like retirement income, aligning investments, minimizing taxes, risk management and asset protection, but more importantly, how they all work together.
Ready To Take The First Step?
Book a relaxed 20-minute call—we'll explore your retirement vision and see if our coordinated planning approach is right for you.
Our FAQs
Still have questions before booking? We've put together some quick answers to the common questions people ask us prior to becoming a client.
Do you manage investments, or just create a plan?
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.
How are you paid?
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.
Are you a fiduciary?
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.
Do you only work with clients in Maryland?
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.
What should I expect in our first meeting?
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.
Is there a minimum amount of assets required?
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.
How are you different from other financial advisors?
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.
How do you invest my money?
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.
The First Step is Easy
Share a few details and book a short introductory call—no pressure, no hard sell. Just a chance to talk through your questions, see how we work with retirees like you, and decide whether Provision is the right fit for you.
Book a Free Assessment Today
We’ll have a relaxed chat focused on you and your goals, talking through what you’re aiming for and how we can help make it happen!
Our calls are always stress and pressure free!
