The People We Serve
Built for the people we serve best.
We work best with two kinds of people — retirement-focused professionals within 10 years of retirement, and high-earning mid-career professionals who are building wealth and want a plan that grows with them. If either sounds like you, we're likely a good fit.
Pre-Retirees & Retirees
You've spent decades building. Now the question is whether your money will last — and whether you'll be able to live retirement on your terms.
We specialize in working with individuals and couples within 10 years of retirement or recently retired. Our work focuses on building a retirement income plan that gives you clarity on when you can retire, how much you can spend, and how to make your money last through every stage of retirement.
Common planning areas include retirement income strategy, Social Security optimization, Medicare planning, pension decisions, RMD planning, tax-efficient withdrawal sequencing, and estate planning coordination.
The Industries We Know Best
Deep experience across three fields.
Our clients tend to come from industries with complex benefits, unique compensation structures, and specific planning needs — whether they're building wealth or transitioning into retirement. Here's where we've built the deepest expertise.
Healthcare Professionals
Physicians, nurses, and healthcare administrators face demanding careers, complex compensation, and unique retirement considerations. We help you make the most of it.
- 403(b), 401(k), and 457 coordination
- Public Service Loan Forgiveness planning
- Disability & income protection planning
- Pension and retirement income strategy
Technology Professionals
Engineers, product leaders, and executives at Bay Area tech companies face RSUs, ISOs, concentrated stock, and tax decisions that most advisors handle poorly. This is what we do every day.
- RSU, ISO, and ESPP planning
- Concentrated stock and diversification strategy
- Deferred compensation review
- Tax-efficient retirement income planning
Public Service Employees
Teachers, government employees, and first responders navigate pension systems like CalPERS and CalSTRS, plus specific rules that most advisors don't fully understand. We do.
- CalPERS & CalSTRS pension optimization
- Social Security WEP & GPO analysis
- 457(b) and supplemental savings
- Post-retirement healthcare planning
We Also Work With
Business owners and clients navigating change.
Beyond our primary focus, we bring the same clarity and structure to two other types of clients who need it most.
Business Owners
Your personal and business finances are deeply intertwined. We help you build a plan that accounts for both — including retirement plan design, succession planning, key-person insurance, and eventual transition out of the business.
Life's Transitions
Some financial decisions can't wait — and the stakes are too high to figure out alone. Whether you're navigating divorce, loss of a spouse, an inheritance, a career change, or a sudden liquidity event, we provide structured guidance to help you make sound decisions during an uncertain time.
The Right Fit
Are we the right advisors for you?
We work best with clients who meet these general criteria. If you're not sure whether you're a fit, the easiest way to find out is a conversation.
Within 10 years of retirement — or a mid-career professional earning $200K+ who wants to start planning now.
Or $200,000+ in annual household income or with a clear path to reach these levels.
Open to guidance and willing to implement recommendations that fit your situation.
Not Sure If We're a Fit?
Let's find out together.
The easiest way to know if we're the right advisors for you is a 30-minute initial consultation. We'll talk through your situation, answer your questions, and honestly tell you whether we're the best fit — or if we should point you toward someone who is.
Schedule a Conversation