A four-step process, built around your situation.

Discovery.

A first meeting to understand your goals, your concerns, and the decisions in front of you. No paperwork, no commitment. I listen more than I talk.

By the end, you'll know whether we're a fit. If not, I'll do my best to point you somewhere useful.

• Goals, priorities, and timeline
• Inventory of accounts, plans, and benefits
• Specific decisions you're weighing
• Questions you want answered before we go further

Design.

I take what you've shared and develop recommendations — retirement income, rollover analysis, asset allocation, insurance review, beneficiary alignment. Whatever the situation calls for.

You see the work. I explain the tradeoffs in plain English. You decide what to do.

• Retirement income projection across scenarios
• Rollover and pension election analysis
• Allocation review with risk capacity test
• Tax sequencing and Roth conversion windows
• Insurance and estate-document coordination

Implementation.

The paperwork. Account openings, transfers, beneficiary updates, rollover paperwork — handled carefully so you're not stitching it together yourself.

I coordinate with custodians, plan administrators, your CPA, and your estate attorney as needed.

• Account openings and transfers
• Rollover and direct-transfer paperwork
• Beneficiary and titling updates
• Coordination with your CPA and attorney
• Confirmation that everything posted correctly

Ongoing review.

Plans don't stay still. Markets move, tax law shifts, and life happens. We meet on a regular cadence and whenever something changes — a job, a sale, a family event.

The point isn't to react to every headline. It's to keep the plan honest with the life you're actually living.

• Annual full plan review
• Event-driven check-ins (retirement, sale, inheritance)
• Allocation rebalancing as markets move
• RMD and Social Security timing in the right years
• Beneficiary and estate-document refreshes