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
Helping you make excellent financial decisions
Know when you can retire, how much you need, and what you can spend.
Save money on taxes and have it all handled in one place with proactive year-round tax planning and tax return preparation. Tax bracket management to minimize lifetime tax burden.
Align your money with what matters most to you. I will never make a recommendation without understanding what’s important to you and your family.
Manage assets and all income for optimal savings and spending. Social Security and pension optimization strategies, customized withdrawal plans across all account types, Required Minimum Distribution (RMD) planning, and Roth conversion strategies.
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.
Be wise and intentional with giving. We will develop strategies that align your giving 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.
- 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
- 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
- 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.)
- 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
- Mid‑year plan check‑in
- Review progress on cash flow and goals
- Investment strategy and performance review
- Estate and insurance check‑in
- Stay current on tax updates and compliance requirements
- Complete continuing professional education
- Prepare for year‑end planning and upcoming Winter meetings
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.
Digital-first tools like automated rebalancing, tax-loss harvesting, and higher cash yields help you reach your goals faster.
A simple, intuitive interface means less back-and-forth and more time spent planning.
Easily track investments, manage cash, and download documents in just a few clicks.
Client accounts are protected by comprehensive insurance, FINRA and SEC oversight, and multiple security safeguards.
Altruist is an independent RIA custodian. Your assets are held securely and accessible at any time.
Our Fees
Many financial planners make money by selling you financial products, which may not have your best interests in mind.
I don’t sell any products or make any commissions or hidden fees.
Instead, I charge a fee based on the assets I manage for you, so my incentives are directly aligned with growing and preserving your wealth.
This simple, all-inclusive annual fee covers ongoing retirement and tax planning plus tax-smart management of your investments.
Ultimately, hiring an advisor only makes sense if the value you receive exceeds the cost. That value is realized through tax savings, investment and retirement plan optimization, mistake avoidance, time saved, and peace of mind.
| 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.
FAQs
What is “Fee-Only” Financial Planning?
1
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.
How much do you charge?
2
A percentage of total assets. (See Fees above)
What’s your process?
3
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.
How do you invest?
4
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.
What makes your firm different from a big-name advisor?
5
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.
What are you doing behind the scenes when I’m a client?
6
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.
Where are my investments held?
6
With Altruist, a secure third-party custodian backed by Vanguard. Altruist is the third-largest custodian in the country.
Is my data and money secure?
7
Yes, everything is protected by industry-standard security and backed by a trusted custodian.
What happens to my money if Kyle is hit by a bus?
8
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.