Our Services

Successful businesses have a CFO to help guide their financial future. Likewise, to help ensure your financial future, we act as CFO for your personal financial life. We will be here to help with your financial decisions. This includes not only planning around investing, saving, and cash flow management, but also things like debt structure, planning for future growth, and making sure that the tax bill is as small as necessary. So let's go into detail about a few of these things and our role for each one:


Investing - Understanding what to invest in, for how long, and for what purpose is a foundational piece of our service. While our investment strategies are customized for each client, they all incorporate what we believe are the three most important considerations for any investment: risk, costs, and taxation. Risk is a highly individual concern and revolves around our client’s personal needs for liquidity or access to cash flow, as well as their temperament. Costs are easier to understand. Minimizing direct investment expenses through our fee-only management improves investment returns. Taxation is also a straightforward concept. If we make better decisions in our investing implementation, more gains stay with the client instead of going to the IRS.


Saving - We help our clients systematize and automate their savings strategies to reduce the effort and daily decision making that normally are part of the process. We think of this as automating success and believe it is one of the most powerful tools to building wealth and helping you to be more present in your life.


Cash Flow Management - Cash flow management is similar to saving. We believe that much of the grind of managing your personal cash flow can also be automated to allow you focus your time and energy elsewhere. We are able to create automated transfers and build dashboards to help you monitor your current cash available and upcoming cash flow needs.


Debt Structure - Many financial firms only focus on one side of the financial picture--the side with the assets. As your CFO, our job is to look at both sides of the balance sheet and to also understand your debt picture. This includes evaluating your current debt and helping you find interest savings or create more flexibility in your cash flow. We also have a relationship with the BNY Mellon private bank that allows some of our clients to access customized mortgages as well as line of credit products.


Planning for Future Growth - Many of our clients have uneven cash flows due to uneven business profitability or bonuses. Being able to plan for these events before they occur takes the stress out of dealing with the uncertainty and helps you capture the value instead of letting it all flow to the item of the moment.


Taxation - Understanding our dense and evolving tax code is a daunting task. Through our construction of tax treatments in various accounts, we can guide clients on the decisions they make and help minimize their tax burden.

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Or call us at (303) 277-9977

Think Bigger, Live Bigger

Think Bigger, Live Bigger

Do you wonder why the joy of buying the new watch or new car fades quickly while the family vacation or gift to your favorite charity stays with you? It comes down to how well connected your money is to your core values and what you really care about. One of the biggest reasons our team members chose this profession is their ability to help clients achieve real, lasting impact in their lives. The only way to do that is to make sure that your money supports what matters most to you.

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Wealth Management

Wealth Management

The wealth management process is built on having a complete view of all those things in your life that impact your money and your time and being able to create strategies to help you maximize both.

We view our role as being a personal Chief Financial Officer or CFO for you and your family. The CEO of a company expects their CFO to keep track of all the financial details, keep the money moving where it needs to go, and provide them with good data and recommendations so that they can make quality decisions. 


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Retirement Planning

Retirement Planning

The question that we all wrestle with heading into full retirement or even just slowing down in a career is, “Can my family live the life we want?” This question is all about moving from wondering about what the future looks like, to having the confidence to make big decisions.

Retirement looks different for everyone and it rarely fits the stereotype of never working again and passing your time split between the front porch and the golf course. Instead, it is just the next step in your life journey and requires you to come up with the right mix of daily income, splurge income, and reserve money in case plans change.

 

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Business Equity

Business Equity

Entrepreneurs and equity partners in businesses face a host of challenges that salaried employees don’t see. Managing fluctuating cash flow, reserve capital needs, and tax projections and payments are detailed and complex tasks that are all part of the daily challenges in managing business equity. With the challenges, businesses also present significant opportunities to customize your life. As an owner or partner, you are free to build something that is tailored to you.


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Death and Divorce

Death and Divorce

Losing a partner is probably the most traumatic event that our clients face. At a time when clients should focus on grieving for that person, their relationship, and themselves they are also faced with picking up the financial pieces. We help our clients understand what has to happen immediately and what can wait while implementing the immediate changes.

 

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Education Funding

Education Funding

Sending your family to college is a rewarding experience, but one that can present challenges. Navigating the terminology around the various types of financial aid, grants, loans, work-study, 529 plans, and prepaid tuition is challenging. Weaving them together to come up with the total amount needed to pay for everything is even more challenging.

 

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Estate Planning

Estate Planning

Estate planning is usually not something that anyone jumps out of bed in the morning to tackle. At its most basic, it covers what happens to your property at your death and how your end of life financial and medical needs are handled. But estate planning also covers a number of other areas that are relevant during the rest of your life and that can add tremendous value to you and your family.

 

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Tax Planning

Tax Planning

Usually the second question that clients want us to help them answer, after “Do I have enough to live the life I want?” is “How do I reduce the amount of tax I owe?” Our job is to design and operate your financial strategy to be as tax efficient as possible while also being flexible and tailored to your needs. For example, we might discuss the tradeoffs between two different account types or whether to sell an investment at a loss in order to recognize the loss for that tax year.

 

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