Financial planning services.
One coordinated plan across cash flow, investments, retirement, taxes, risk, estate, and business decisions. Start with the area that matters most; the rest of the plan connects from there.
Financial decisions rarely stay in one category. A retirement date changes cash flow. A business exit changes the tax picture. A concentrated stock position changes the risk in the portfolio. Our work is to keep those decisions moving in the same direction.
The services below describe the scope of that work. Not every client needs every piece; the plan determines what is relevant now and what can wait.
Cash Flow Planning
We review your cash flow, identify planning opportunities, and develop a flexible framework for balancing near-term priorities with long-term objectives.
Discuss this serviceInvestment Planning
Custom allocations built on low-cost, evidence-based investing. We coordinate across all accounts for tax efficiency, rebalance with discipline, and stress-test for the markets you'll actually live through.
Discuss this serviceEducation Planning
From 529s and UTMAs to financial aid planning and gifting strategies, we build a funding roadmap that balances tuition with retirement, taxes, and flexibility.
Discuss this serviceRisk Management
An independent review of life, disability, liability, and long-term care coverage. We identify what you actually need, what you can drop, and where your plan is exposed.
Discuss this serviceRetirement Planning
We evaluate withdrawal sequencing, Social Security timing, Roth conversions, and healthcare considerations as part of a coordinated retirement income strategy.
Explore this serviceReal Estate Analysis
Buy, sell, hold, or refinance — we model the full picture: cash flow, financing, tax impact, and opportunity cost, so the decision is rooted in math, not emotion.
Discuss this serviceMajor Life Decisions
Career changes, relocations, marriage and divorce, starting a business, taking a sabbatical — we model each path's financial impact so you can choose with confidence.
Discuss this serviceEstate Planning
Coordination with your attorney on wills, trusts, beneficiary designations, and titling. We make sure your documents, accounts, and intentions actually align.
Discuss this serviceExit Planning
Valuation preparation, deal structuring coordination, and post-exit wealth planning so the years of work translate into the financial future you envisioned.
Explore this serviceAsset Protection
Entity structuring, titling, insurance layering, and trust strategies that put proven legal protections between your wealth and the unexpected.
Discuss this serviceTax Planning
We coordinate with your CPA on Roth conversions, tax-loss harvesting, charitable giving, and income timing to identify potential tax-planning opportunities.
Discuss this serviceFractional CFO
Forecasting, KPI dashboards, cash management, and capital strategy — the financial discipline of a full-time CFO, scaled to where your business is today.
Explore this serviceRelated reading
Financial advisor in Durham
Local planning, fees, credentials, and how to start.
Read moreRetirement planning
Social Security, withdrawals, Roth conversions, healthcare, and investment risk.
Read moreBusiness owners
Owner compensation, retirement plans, exit planning, and fractional CFO support.
Read moreMeet the team
The people and credentials behind the plan.
Read more