The first step is to create a financial plan. It serves as the foundation and roadmap for everything we do going forward. Typically this takes 1-2 months.

It’s accessible via the Prospero RightCapital portal.

Developing a great plan doesn’t mean much if it’s not implemented well and strategically maintained. So, in addition to planning, I can also Having a solid plan is valuable, but it’s even more crucial to execute it well and keep it on track. Besides helping you develop a plan, I can also manage your investments if you want. Most of my clients choose this because it allows them to focus on their careers, families, and other important areas of life.manage your investments if you’d like me to. Most of my clients choose this option because it frees them up to focus on their career, family and other important things in life.

I take a passive, fee-conscious approach that ensures your portfolio remains diversified, low-cost, and I adopt a passive, cost-conscious approach that keeps your portfolio diversified, low-cost, and properly aligned with your risk tolerance and financial profile. When appropriate, I utilize more sophisticated products to minimize taxes, particularly for highly appreciated assets.appropriately allocated to your risk tolerance and financial profile. Where it makes sense, I use more sophisticated products to reduce taxes, especially for highly appreciated assets.

I usually use a mix of Vanguard ETFs that follow major stock and bond indices. Sometimes, I also consider DFA or BlackRock funds. Importantly, I actively manage your portfolio by regularly monitoring and rebalancing it to match your asset allocation plan. This way, you can trust that your investments are consistently overseen.

After implementing your plan, I also offer ongoing advice, as needed, in areas such as:

• Income and career: Raises, promotions, equity, and job offer decisions

• Employee benefits: Optimize health, insurance, equity, and retirement benefits

• Cash-flow planning: Tracking spending, automation of savings, funding your priorities

• Tax planning: Minimizing taxes, harvesting of losses, proactively planning ahead

• Investing: Optimization of portfolios, reduction of fees, evaluation of alternative options like real estate

• Retirement readiness: Defining goals, targeting a retirement date, planning income and expenses

• Major life decisions: Relocating, college planning, charitable giving

• Estate planning: Coordination of wills, trusts, and account beneficiaries

It’s important to me that we maintain a close, ongoing relationship. It’s important that we maintain a close, ongoing relationship. This usually means regular Zoom meetings, calls, emails, and texts.

My goal is to help you make the best possible financial decisions so you can live confidently — both now and in retirement.

To make sure this happens, I set proactive reminders to check in with you when it’s time to sell shares, change benefit elections, and so on.

I like to hold two in-depth, formal meetings in the first and third quarters of the planning cycle. Similarly, I like to touch base about minor updates and reviews via email in the second and fourth quarters.

But please know you have unlimited access to me throughout the year as new questions arise. Got a new job offer? Seeking to lower insurance costs? Worried about the market? Let’s chat.

You'll also have continuous access to your personal finance portal through Prospero’s RightCapital. This portal allows you to view information from all your various banking, investment, and lending accounts all in one place. You'll be able to see and track your net worth, investment holdings, cash flow projections, and various other financial reports.