Our Services
Helping You Make Excellent Financial Decisions
Comprehensive, fee-only financial planning for people approaching or living in retirement.
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.
Manage assets and all income for optimal savings and spending. Social Security and pension optimization, customized withdrawal plans, RMD planning, and Roth conversion strategies.
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.
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.
Align your money with what matters most to you. Every recommendation starts with understanding what is important to you and your family.
Be wise and intentional with giving. We will develop strategies that align your generosity with your values while maximizing tax efficiency.
What's Included
Select any service to learn more about what working together looks like.
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Foundation of the Plan
Retirement planning is the core of everything we do. We build a detailed picture of your financial future so you know exactly where you stand and what you can count on.
- Determine the exact age and date you can retire
- Model how much you can spend in retirement, year by year
- Stress-test your plan against inflation, market downturns, and longevity
- Evaluate pension timing options and Social Security claiming strategies
- Plan for large future expenses: home projects, travel, gifting, and more
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Income Strategy
Managing cash flow in retirement is more complex than managing a paycheck. We coordinate every income source and account to make sure your money works as efficiently as possible.
- Social Security and pension optimization and timing
- Customized withdrawal plans across all account types (taxable, IRA, Roth)
- Required Minimum Distribution (RMD) planning
- Roth conversion strategies to reduce future taxes
- Spending and savings analysis for working clients
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CPA-Led Tax Planning
As a CPA, I handle both the strategy and the return. Most advisors outsource your tax work. I keep it in one place so your financial plan and your tax plan are always aligned.
- Year-round proactive tax planning, not just a once-a-year filing
- Full-year tax projections to surface opportunities early
- Tax bracket management to minimize your lifetime tax burden
- Withholding review and adjustments
- Tax return preparation included
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Portfolio Management
Your portfolio is built to support your plan, not the other way around. We keep it simple, low-cost, and aligned with how you actually want to live.
- Globally diversified portfolios using low-cost index funds
- Asset allocation tailored to your risk tolerance and retirement timeline
- Automated rebalancing through the Altruist platform
- Tax-loss harvesting where applicable
- Regular investment strategy and performance reviews
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Purpose-Driven Advice
Financial planning is not just about numbers. Every recommendation I make begins with understanding what you care about and what kind of life you want to build.
- Deep discovery conversations to understand your priorities and family goals
- Planning that reflects your lifestyle, not a generic template
- Regular check-ins to ensure your plan stays aligned with what matters most
- Estate and legacy planning integrated into your financial picture
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Charitable Giving
Giving generously and giving wisely are not in conflict. We help you build a giving strategy that honors your values and makes the most of every dollar.
- Charitable giving strategies aligned with your financial plan
- Donor-Advised Fund (DAF) setup and gifting strategies
- Qualified Charitable Distributions (QCDs) from IRAs
- Bunching strategies to maximize deductions
- Estate and legacy gifting coordination
Who We Work With
Long Planning is designed for a specific type of client. Here is what most people we work with have in common.
Typically within 5 years of retirement, or already retired and navigating the transition.
Clients typically have $500,000 or more in investable assets. A $5,000 annual planning minimum applies.
You want a comprehensive relationship with an advisor who knows your full picture, not a call center or junior associate.
I keep my client list intentionally small to provide focused, high-touch service. You will have direct access to an expert you trust, throughout the year.
Planning in Action
- We met with an advisor who tried to sell us a confusing, expensive annuity and told us we wouldn't have enough income for a meaningful retirement.
- We have no idea when we can retire.
- Do we have enough saved?
- How can we reduce taxes and create reliable income?
Steve is a healthcare executive, and Pamela is a CPA working for a nonprofit. Steve is burned out and anxious about how much longer he needs to work. Pamela enjoys her career and isn't ready to leave her passion just because she's nearing traditional retirement age.
The challenge wasn't overcoming financial mistakes. They had done a lot of things right. What they needed was an expert to help them make confident financial and career decisions — clarity on when they could retire, what retirement would look like financially, and how to manage taxes along the way.
- Earned high six-figure income
- Maxed out workplace retirement plans
- Built significant equity in their primary home
- Properly protected their family with insurance
- Showed Steve only needs to work three more years to meet all their goals, with the option to retire now if he chooses
- Modeled the financial impact of moving from Illinois to Tennessee, including exactly how much they could spend on a new home — and confirmed they could pay cash
- Built a clear retirement income strategy using retirement accounts, Social Security, and part-time work — with exact income numbers they can rely on
- Identified the best Social Security claiming strategies to reduce taxes and keep more money in their pockets
- Reorganized multiple retirement accounts into a low-cost, tax-efficient investment strategy that reduced risk and improved long-term returns
- Reduced future tax liabilities through charitable giving, Roth conversions, Social Security timing, and other strategies
- Set them up with an easy-to-use personal financial dashboard to organize their finances and track progress
Today, Steve and Pamela have more energy and mental space to focus on what they enjoy — knowing they have real choices and can retire when the time feels right.
Ready to Build a Plan?
Start with a free 45-minute Discovery consultation.
No obligation and no pressure.
Fully virtual. Service clients across the U.S