How I work

Financial planning that keeps up with your life

I do financial planning. I don't do financial plans. Your life will keep changing, so your planning should too. And sometimes what you need from me is permission: to spend the money, to stop optimizing every dollar, or to walk away from the job.

Ripples in the sand on a wide, empty beach below the cliffs

Services and feesWhat each service covers and what it costs, posted in plain numbers.Services and fees
The processFrom the intro call through your first six months and beyond.The process
Investment philosophyLow-cost, diversified, and boring on purpose.Investment philosophy
Fee-only fiduciaryWhat it means, and why it changes the advice you get.Fee-only fiduciary, explained