Proactive and tax-smart retirement planning.

Fee-only financial advice and tax planning to help you achieve your goals and live out your values.

Meet Kyle (Founder & CPA)

Hi! I’m Kyle, an independent advisor with 11 years in financial planning and tax.

I’m a CPA with deep expertise in today’s constantly shifting tax landscape
I use a comprehensive financial planning approach, using world-class market strategies.
My firm is fully virtual, so I’m able to work with clients anywhere in the U.S.
I’m based in Campton Hills, Illinois, where I live with my wife and three children.
I specialize in focused, high-touch service.

Our Services

Retirement Planning

Know when you can retire, how much you need, and what you can spend. We build a clear roadmap so you can make confident decisions about your future.

Cash Flow Planning

Manage assets and all income for optimal savings and spending. Social Security and pension optimization, customized withdrawal plans, RMD planning, and Roth conversion strategies.

Tax Strategy & Preparation

Save money on taxes and have it all handled in one place. Proactive, year-round tax planning and return preparation. Tax bracket management to minimize your lifetime tax burden.

Investment Management

Globally diversified, low-cost portfolios that are easy to understand and tailored to your risk tolerance and timeline. More peace of mind, less market stress.

Values-Based Planning

Align your money with what matters most to you. Every recommendation starts with understanding what is important to you and your family.

Generosity Planning

Be wise and intentional with giving. We will develop strategies that align your generosity with your values while maximizing tax efficiency.

How our process works

Start with a no-obligation consultation and take four easy steps to financial freedom.

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Discovery Consultation (45–60 minutes)

      Before you become a client, we'll meet to see if working together makes sense.
      I'll get to know what prompted you to reach out, what you're hoping to accomplish,
      and what concerns or priorities are top of mind.
    
During this no‑obligation meeting, we will:
Discuss what's driving your decision to seek advice
Review your current challenges and priorities
Explain my approach and answer questions about Long Planning
Decide together whether it makes sense to move forward
Onboarding Meeting (60 minutes)

      If we decide we're a good fit, we'll complete the advisory agreement,
      handle paperwork and account transfers, and begin the planning process.
      This meeting also gives us time to go deeper into your goals and values.
    
Strategy & Planning

      After onboarding, I gather key documents and begin building a customized retirement
      and tax strategy designed around your priorities.
    
Your plan will include:

      Exact time you can retire and how much you can expect to live on
A strategy to turn your nest egg into a reliable retirement paycheck
A tax plan to reduce taxes and keep more of your resources

      A custom investment portfolio aligned with your risk tolerance
An estate plan to ensure your heirs have support if something happens to you
Clear next steps to give you confidence and peace of mind

    
Plan Delivery (1–2 hours)

      Once the plan is complete, we walk through every detail and action step.
      You'll leave with clarity and confidence about the path ahead.
    
Ongoing Service

      Retirement and tax planning require ongoing coordination and updates.
      We meet throughout the year to keep your plan optimized and aligned with your goals.
    
Annual Meeting Cycle
Winter Meeting
Set the plan for the year ahead
Estimate spending and determine portfolio withdrawals (retired clients)
Review income, savings, and loan strategies (working clients)
Review retirement savings maximums and confirm your savings plan
Plan for large expenses (home projects, travel, vehicles, college, etc.)
Spring Meeting
Tax strategy meeting and review of your tax return
Full‑year tax projection to identify opportunities
Withholding review and updates
Ensure you're not under‑ or over‑paying taxes throughout the year
Summer Meeting
Mid‑year plan check‑in
Review progress on cash flow and goals
Investment strategy and performance review
Estate and insurance check‑in
Fall Activities
Stay current on tax updates and compliance requirements
Complete continuing professional education
Prepare for year‑end planning and upcoming Winter meetings

Schedule your free consult

Our Custodian

I'm one of more than 5,000 advisors who use Altruist with their clients.

Unlike traditional custodians, Altruist offers a clean, modern platform that eliminates tedious paperwork and slow processes, so we can focus on what matters most: you and your financial plan.

You can learn more about Altruist's security and protection here.

Compounding Benefits

Digital-first tools like automated rebalancing, tax-loss harvesting, and higher cash yields help you reach your goals faster.

Work Smarter Together

A simple, intuitive interface means less back-and-forth and more time spent planning.

Monitor Your Performance

Easily track investments, manage cash, and download documents in just a few clicks.

Your Assets Are Safe

Client accounts are protected by comprehensive insurance, FINRA and SEC oversight, and multiple security safeguards.

Everything you need and expect from a custodian, and more.

Altruist

Legacy Custodians

Member SIPC

PII Data Encryption

2-Factor Authentication

Regulated by FINRA & SEC

Unauthorized activity guarantee

Completes Annual SOC 2 Type 2 Exam

Fractional shares in managed accounts

Same-day account opening & funding

Integrated tax management

Direct Indexing

Altruist is an independent RIA custodian. Your assets are held securely and accessible at any time.

Our Fees

No products. No commissions. One fee.

Most financial planners earn money by selling you products - which means their incentives aren't yours.

I charge a single annual fee based on the assets I manage. That fee covers retirement planning, tax planning, and investment management. Nothing hidden, nothing extra.

An advisor is worth hiring when the value outweighs the cost. That value shows up as tax savings, fewer costly mistakes, and time you get back.

Assets Under Management	Annual Advisory Fee
$0 – $2,000,000	1.00%
$2,000,001 – $3,000,000	0.75%
$3,000,001 – $5,000,000	0.50%
Above $5,000,001	0.25%

A minimum annual advisory fee of $5,000 applies. Fee is calculated on total assets managed and billed quarterly.

A complimentary Discovery Consultation will help you measure these benefits and decide if we’re the right fit.

Schedule your consultation

Frequently Asked Questions

I’m paid only by you, not by companies selling financial products who may not have your best interests in mind. There are no commissions or hidden fees.
A percentage of total assets. (See Fees above)
We start with a free 45–60 minute Discovery Consultation to see if we're a good fit — no obligation, no pressure. If we decide to move forward, we complete an Onboarding Meeting to handle paperwork and go deeper into your goals.
From there, I build a fully customized retirement and tax strategy: when you can retire, how much you can spend, how to minimize taxes, and how to invest your portfolio.
Once your plan is delivered, we meet regularly throughout the year — in winter, spring, and summer — to keep your plan updated and on track. Tax planning, investment reviews, and ongoing strategy are all included.
I believe successful investing is about discipline, diversification, and staying the course. I utilize globally diversified, low-cost portfolios tailored to your risk tolerance. Your investments are implemented in a tax efficient way utilizing Exchange Traded Funds (ETFs) and direct indexing with individual stocks.
I offer personal, high-access service without commissions, product sales, or corporate agendas. You get direct access to me with no layers or assistants in between. I use advanced tools like Altruist to give you a simple, modern experience. Big firms typically don’t offer deep tax planning or the flexibility I provide.
Reviewing portfolios, updating financial plans, implementing tax strategies, tracking tax law changes, writing newsletter updates, answering your questions, and helping you prepare for major life decisions.
With Altruist, a secure third-party custodian backed by Vanguard. Altruist is the third-largest custodian in the country.
Yes, everything is protected by industry-standard security and backed by a trusted custodian.
You will always have direct access to your funds and can move or use your money at any time.

Ready to simplify and accelerate your path to a secure financial future?

Let’s get in touch.