Flat-rate planning to meet your financial needs. Expertise is knowing which investment pitfalls to avoid.

What’s Included?

✅ Multi-Account Analysis: Assess all your bank and brokerage accounts, including taxable, trading, retirement, and employer-sponsored

✅ Personalized Report: A detailed list of simple actionable steps emailed to you within 5 days

✅ Live Support: Up to 30 minutes of screen sharing to make recommended portfolio adjustments - available upon request at no extra charge

✅ Fee Optimization: Identify and replace high-fee investments with cost-effective quality alternatives

✅ Tactical Asset Allocation: Ensure an appropriate mix of investment classes including stocks, bonds, commodities, and alternatives

✅ Tax-Smart Asset Location: Segment your investments between taxable and non-taxable accounts for tax minimization

✅ Diversification Check: Evaluate your funds for over-reliance on a few assets and recommend strategies to lower risk

✅ Manager Track Record Analysis: Scrutinize the experience and performance of your fund managers

✅ Harmful Fund Detection: Review commodity, leveraged, and inverse ETFs for suitability

✅ Misleading Fund Detection: Spot funds that deviate from their advertised theme, take excessive risks, or overtrade

✅ Smart Rebalancing: Develop a tailored rebalancing strategy for assets that need it, no more than once a year

✅ Dividend Impact Analysis: Assess the impact of dividends on your total gains and taxes

✅ Tax-Loss Harvesting: Identify and capitalize on losing equity positions for tax benefits

✅ Stock-Loss Management: Provide lower breakevens on your biggest stock losses to free up investable cash

✅ Efficient Cash Management: Optimize your cash holdings for yield, easy access, and safety, including FDIC/SIPC coverage checks

✅ Financial Leak Scan: A catch-all review to ensure no stone is left unturned