No cost. No obligation. Explore your financial planning options.

Take the first step toward comprehensive financial planning designed for high-income professionals, business owners, retirees, and high-net-worth families in Sarasota and throughout states where registered. Our complimentary consultation gives you the opportunity to experience our fiduciary* approach—with no pressure.

Important: This consultation is educational and does not establish an advisory relationship.

Personalized Financial Strategy Assessment

Get clarity on your current situation and potential planning opportunities.

We’ll review your current financial situation, investment portfolio, tax strategies, and risk management approach. You’ll receive feedback about what may be working well and explore opportunities for potential improvement.

Important: Individual results and opportunities vary significantly based on personal circumstances.

Tax Planning Opportunities Analysis

Explore strategies that might help with your tax situation.

Our team will analyze your current tax situation and explore potential strategies, including Roth conversion opportunities, tax-loss harvesting, asset location strategies, and business deduction considerations.

Important: Tax benefits depend on individual circumstances and current tax law, which may change.

Investment Portfolio Review

Independent analysis of your current investment approach.

We’ll examine your investment allocations, fees, performance, and risk levels across your accounts. As independent advisors working with Charles Schwab custody, we have access to various investments.

Important: Past performance does not guarantee future results. All investments involve risk.

Risk Management Assessment

Identify potential areas in your financial protection planning.

We’ll assess your insurance coverage, estate planning documents, emergency fund considerations, and business succession planning (if applicable) to explore how your wealth and family might be better protected.

Important: No strategy can eliminate all risks or guarantee protection against all potential events.

Retirement Planning Evaluation

Assessment of your retirement planning approach.

Whether retirement is years away or approaching, we’ll analyze your projected income needs, withdrawal strategies, Social Security considerations, healthcare cost planning, and legacy goals to explore your retirement readiness.

Important: Retirement planning projections are estimates and actual results may vary significantly.

High-Income Professionals

Doctors, attorneys, engineers, executives, and other professionals

You may be successful in your career but might not have time to manage complex financial strategies. Our consultation will explore how proper tax planning, investment management, and risk protection might help you build wealth more efficiently.

Small Business Owners and Entrepreneurs

Business owners seeking personal and business financial coordination

Running a business creates financial considerations and opportunities. We’ll discuss strategies for business succession planning, tax planning through entity structuring, key person insurance, retirement plan options, and coordinating business and personal financial goals.

Pre-Retirees and Recent Retirees

Individuals within 10 years of retirement or recently retired

The transition to retirement may require planning for income replacement, tax-efficient withdrawal strategies, healthcare costs, and estate planning. Our consultation will help you understand your options and explore approaches for retirement confidence.

High-Net-Worth Families

Families with substantial investable assets

Significant wealth creates opportunities for sophisticated strategies but also requires management of taxes, estate planning, and wealth transfer considerations. We’ll discuss how alternative investments**, tax strategies, and estate planning might help preserve and grow family wealth.

Fiduciary Responsibility

Your interests may come first in our recommendations.

As fiduciary* advisors, we’re committed to work in your best interest. We operate under both fee-only and fee-based models, allowing us to select the compensation structure that may best serve your specific situation while maintaining our fiduciary obligation.

Independent Approach

Recommendations based on your individual situation.

Our recommendations are based on what may be appropriate for your situation. Our independence allows us to explore the market for suitable and cost-effective solutions for your needs.

Comprehensive Planning Integration

Coordinating aspects of your financial planning.

Tax planning, investment management, risk protection, estate planning, and retirement strategies should work together. We coordinate elements of your financial plan to help ensure they may work together effectively toward your goals.

Charles Schwab Custody

Your assets held by an established custodian.

Your investments are held at Charles Schwab, with SIPC protection according to SIPC guidelines. We never have physical possession of your assets, providing an additional layer of security and transparency.

Important: SIPC protection has limitations and does not cover all losses. Review SIPC coverage details.

Personalized Service Approach

Individual attention to your planning needs.

Our boutique practice model helps us manage overhead, allowing us to provide personalized service. You’ll work directly with us rather than through multiple staff members.

Before Your Meeting

Come prepared to make the most of our time together.

We’ll send you a brief information form to complete before your consultation, helping us understand your current situation and goals. Feel free to bring recent statements, tax returns, or financial documents you’d like us to review.

Important: You’re not required to bring any documents, and you may share information at your comfort level.

During Your 60-Minute Session

Available in-person in Sarasota or virtually in states where registered.

Initial Discussion (15 minutes): We’ll discuss your current situation, goals, concerns, and what prompted you to seek financial planning guidance.

Financial Review (30 minutes): We’ll analyze your current strategies, explore opportunities and potential considerations, and discuss how our approach might benefit your situation.

Strategy Discussion (15 minutes): We’ll outline potential next steps, answer your questions about our services, and discuss how we might work together if it seems like a good mutual fit.

After Your Consultation

No pressure, just helpful resources.

You’ll receive a summary of our discussion and relevant educational materials. If you’re interested in exploring working together, we’ll explain our service options and transparent fee structure. If not, you’ll still have gained insights into your financial situation with no obligation.

Important: No advisory relationship is established through the consultation. Formal relationships require appropriate agreements and disclosures.

Is there really no cost or obligation? Yes, our consultation is complimentary with no commitment. We believe good client relationships start with mutual understanding and trust.

Important: This consultation does not establish an advisory relationship and is provided for educational purposes.

How do you decide between fee-only and fee-based compensation? We discuss both options transparently during our consultation. For ongoing investment management and financial planning, we typically work with fee-based structures. For specific products like insurance, we’ll explore options to determine what may provide appropriate value for your situation.

Important: All compensation arrangements will be fully disclosed before any engagement.

How long does the consultation take? We typically schedule 60 minutes to ensure adequate time for discussion. If you have complex situations that require more time, we can extend the meeting as needed.

Can we meet virtually, or do I need to come to your office? We offer both in-person meetings at our Sarasota office and virtual consultations via video conferencing. Many clients prefer the convenience of virtual meetings.

What should I bring to the consultation? Bring any financial statements, recent tax returns, insurance policies, or estate planning documents you’d like us to review. Don’t worry if you don’t have everything—we can still provide insights based on available information.

Will you try to sell me products or services during the consultation? No. Our goal is to provide value and help you understand your options. If our services might benefit your situation, we’ll explain how we work and our fee structure, but there’s never pressure to make decisions during or after the consultation.

Do you work with clients outside of Sarasota? Yes, we work with clients throughout Florida and can serve clients in other states where properly registered. Virtual meetings make location less important than finding appropriate guidance for your needs.

What makes your approach different from other financial advisors? Our fiduciary* responsibility, flexibility between compensation models, independence, and comprehensive planning approach may differentiate our services. We focus on building relationships based on trust, transparency, and genuine care for your financial success.

Schedule Your Complimentary Consultation Today

Consider whether another year should pass without exploring your financial strategy optimization.

Whether you’re concerned about taxes, retirement readiness, investment performance, or simply want an independent perspective on your current financial plan, our consultation may provide clarity and insights.

Choose your preferred consultation method:

In-Person Consultation in Sarasota

Meet with us at our office for a personal, face-to-face discussion of your financial goals and strategies.

Virtual Consultation

Connect with us from your home or office using secure video conferencing technology.

Professional guidance may help address various planning considerations.

Delaying financial planning optimization may mean missed opportunities—whether that’s tax planning, investment considerations, improved risk protection, or peace of mind knowing you’re on an appropriate track.

Our complimentary consultation removes barriers to getting started. You may gain valuable insights by understanding how independent, fiduciary financial planning might benefit your situation.

Important: No consultation can guarantee specific outcomes or results. Individual circumstances vary significantly.

Important Consultation and Planning 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 Advisory Relationship: This consultation does not establish an advisory relationship. Formal advisory relationships are created only through appropriate written agreements and regulatory disclosures. The consultation is educational in nature and does not constitute financial, investment, tax, or legal advice.

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

Individual Suitability: Strategies that may be appropriate for one person may not be suitable for another. Individual circumstances including income, family situation, risk tolerance, time horizon, and financial objectives significantly affect the suitability of different financial planning approaches.

Educational Purpose: Consultation discussions are for educational and informational purposes only. No content should be construed as recommendations to implement any specific strategy or purchase any particular product.

Alternative Investment Risks: When discussed, alternative investments involve substantial risks that may be greater than those associated with traditional investments and may not be suitable for all investors. These investments are speculative, often illiquid, and may lack transparency. They are suitable only for investors who understand and can bear these risks.

Tax Considerations: Tax laws are complex and subject to change. Individual tax situations vary significantly. Tax planning strategies discussed during consultations may not be suitable for all situations. Always consult with qualified tax professionals regarding your specific tax circumstances.

Professional Consultation Required: Before implementing any financial strategies discussed during consultations, consult with qualified professionals including tax advisors, attorneys, and other experts familiar with your specific circumstances.

Custodian Relationship: While assets may be custodied at Charles Schwab, this does not constitute an endorsement of our services by Charles Schwab. Charles Schwab does not supervise our investment advice. SIPC protection has limitations and does not cover all types of losses.

Geographic Limitations: Services are provided only in states where properly registered. Consultation availability may vary by location and regulatory requirements.

Technology Risks: Virtual consultations involve technology risks including connectivity issues, security considerations, and potential privacy implications. We use secure systems and follow privacy best practices.

No Pressure or Obligation: While consultations are complimentary, you should feel no pressure or obligation to engage our services. Take time to consider any discussions and seek additional opinions if desired.