I believe your financial planning may benefit from personal attention rather than assembly-line treatment.

Operating from a home-based office in Sarasota allows me to keep overhead lower and focus on spending time with clients developing strategies for their individual situations. This approach aims to minimize unnecessary expenses while maintaining the service quality clients deserve.

My practice size means clients typically receive my direct attention. When you call, you generally speak with me directly. When questions arise, I work to address them personally. When financial decisions need to be made, we can work through them together.

I use research tools to analyze factors like risk tolerance, time horizons, tax implications, and investment objectives. However, I believe technology should complement, not replace, the importance of understanding your goals, concerns, and priorities regarding your financial future.

While I don’t provide legal or tax advice, I work with your existing professionals, your CPA, attorney, and other advisors—to help coordinate different aspects of your financial planning.

This approach has allowed me to work with clients across different life stages: high-income professionals navigating career transitions, small business owners managing growth and cash flow, retirees working on Social Security and retirement distribution strategies, and high-net-worth families exploring various investment approaches.

Fiduciary* Commitment: As your independent advisor, I work to put your interests first in my recommendations. This means focusing on what may be appropriate for your situation without hidden conflicts of interest.

Continued Learning: The financial world evolves, and I work to stay current with industry developments. Whether it’s tax planning strategies, risk management approaches, or investment opportunities, I pursue continuing education to potentially benefit client planning.

Professional Standards: My commitment to maintaining professional certifications helps ensure that guidance is grounded in current best practices and industry knowledge.

Personalized Approach: Individual circumstances vary significantly, which is why financial plans should be tailored accordingly. Whether you’re planning for retirement, education funding through 529 plans, or estate coordination, your plan should reflect your specific goals and financial situation.

These principles guide my client conversations, recommendations, and planning decisions.

Tax-Efficient Strategies: Taxes can significantly impact investment returns. I work to integrate tax considerations into financial planning, from investment selection to retirement income strategies. The goal is to help manage tax efficiency while working toward your financial objectives.

Risk Management Planning: Life can be unpredictable, but financial planning can help address various scenarios. I evaluate your financial situation to identify potential risks, then work to develop strategies that may help address them while maintaining appropriate growth potential.

Retirement Planning: Retirement planning involves more than accumulating assets—it’s about creating potentially sustainable income. I help clients navigate decisions around Social Security timing, pension options, Medicare considerations, and required minimum distributions.

Planning for Business Owners and High Earners: Running a business or earning high income creates unique financial considerations and opportunities. I provide analysis of debt, cash flow, and growth strategies tailored to professional situations.

Alternative Investments** and Advanced Strategies: Through Charles Schwab custody, I may access alternative investments** when appropriate for qualified investors. I can also assist with strategies like 1031 exchanges** for real estate investors. These approaches aren’t appropriate for everyone, but when they align with client situations, they may complement overall strategy.

My approach aims to provide clarity about current financial position and develop strategies for working toward your objectives.

What does “independent fiduciary* advisor” mean for me? It means I work to represent your interests, not those of a large financial services company. I’m not required to sell proprietary products or meet sales quotas. My recommendations are based on what may be appropriate for your financial situation, and I’m committed to working in your best interest as a fiduciary*.

How does your boutique practice benefit me as a client? Lower overhead may allow me to offer competitive fees while focusing time on client planning needs. It also means you typically get direct access to me rather than working through multiple support staff or junior advisors.

Can you help with alternative investments** and 1031 exchanges**? Through Charles Schwab custody, I may have access to alternative investments** when appropriate for qualified investors. I can assist with 1031 exchanges** as part of comprehensive real estate and tax planning strategies when suitable.

Do you only work with clients in Sarasota? While I’m based in Sarasota, I work with clients throughout Florida and other states where registered. I use technology for secure virtual meetings when geographic distance makes in-person meetings less convenient.

How do you differ from other financial advisors? My fiduciary* commitment means working to put your interests first, my boutique practice size allows for more personalized attention, and my focus on the intersection of financial and tax planning may provide value that some generalist advisors might not offer.

Have other questions? I’m available to provide information and discuss your situation.

You’ve worked to achieve your current financial position. Consider whether working with an advisor committed to your success might benefit your situation.

Whether you’re a high-income professional looking to address tax efficiency, a small business owner planning for growth, a retiree working on retirement planning, or a high-net-worth individual seeking various planning strategies, I may be able to help you navigate your financial planning needs.

Schedule a complimentary consultation to discuss your situation. This consultation focuses on understanding your goals and discussing how my independent, fiduciary* approach might align with your needs.

Important Disclosures

*This fiduciary duty applies to our advisory relationships under current registration and does not extend to brokerage transactions, which are governed by different standards.

**Alternative investments involve substantial risk, may be illiquid, and are not suitable for all investors. Investors should carefully review offering documents and assess personal risk tolerance before considering such investments. 1031 exchanges involve complex tax and legal considerations; consult qualified professionals before proceeding. See disclosures in footer for additional information.

No Guarantee of Results: No financial planning strategy can guarantee specific outcomes. All investments involve risk, including potential loss of principal. Past performance does not guarantee future results.

Professional Relationship: This information is for educational purposes only and does not constitute investment, tax, or legal advice. A formal advisory relationship is established only through appropriate advisory agreements and disclosures.

Technology and Communication: While technology enables remote service delivery, all communications and advice are subject to the same professional and regulatory standards as in-person interactions.