A stone winery nestled among vineyards and oaks in Sonoma County

What We Do

One coordinated plan for your whole life.

We don't sell products. We build relationships, and bring every part of your financial life together into a single, cohesive strategy.

A vintner's hand cradling ripe grapes on the vine at golden hour

Foundation

Comprehensive Financial Planning

Your financial life doesn't stay still. Neither should your plan.

Comprehensive planning is the foundation of everything we do. It starts with what matters most to you, your family, your passions, your vision for the future, and builds an integrated strategy around it. We look at your complete picture: income, investments, taxes, insurance, estate, and legacy. Each decision is made with the others in view, so the pieces reinforce one another instead of working at cross-purposes.

Your plan is meant to be used, not filed away. It's a living strategy that evolves with your life, revisited in regular reviews and stress-tested against the "what ifs" that life inevitably brings.

Cash-flow & net worthGoal-based planningScenario modelingAnnual plan reviewsCPA & attorney coordination

Oak wine barrels aging in a candlelit cellar

Growth

Investment Management

Investment management in the service of a life, not the other way around.

We build and manage portfolios personalized to your goals, your tax situation, your risk tolerance, and your values. As an independent firm, we have no product shelf and no model we need to push. We access the full landscape of investment solutions and choose what's right for you: institutional-quality portfolios, broadly diversified, low-cost, and continuously monitored.

Spotlight · Direct Indexing & Tax-Loss Harvesting

For clients with significant taxable accounts, we offer direct indexing, where you own the individual stocks of an index directly, rather than through a fund. This opens the door to year-round, security-level tax-loss harvesting: capturing losses to offset gains elsewhere in your portfolio. Third-party research suggests that systematic tax management may enhance after-tax outcomes over time. It's the kind of precision that can make a meaningful difference in what you keep.

Evidence-based investingDirect indexingTax-aware constructionDisciplined rebalancingValues-aligned options

Two chairs and glasses of wine overlooking a vineyard valley at sunset

Independence

Retirement Planning

Retirement isn't a number. It's a vision. We help you get there, and make it last.

Whether retirement is five years away or twenty, the decisions you make now will shape the life you're able to live then. We go well beyond "Do I have enough?" We explore what retirement actually looks like for you. Where will you live? How will you spend your time? Then we build the plan: optimizing Social Security timing, managing sequence-of-returns risk, creating sustainable income streams, and coordinating tax strategy across your accounts.

Social Security optimizationIncome sequencingRoth conversionsRMD strategyHealthcare cost planning

Efficiency

Tax Planning & Optimization

The difference between a good plan and a great one is often measured at tax time.

Taxes are one of the largest long-term drains on wealth. We approach tax planning proactively, not once a year, but throughout the year, identifying opportunities to reduce your tax burden across your full financial picture. That means tax-aware investing, capital-gains management, Roth conversion analysis, and close coordination with your CPA to align strategies at every level.

Tax-loss harvestingCapital gains managementRoth conversion laddersCharitable strategiesLifetime gifting

Three generations walking together down a vineyard path at golden hour

Continuity

Estate & Legacy Planning

You've built something meaningful. We help ensure it endures, exactly as you intend.

Estate and legacy planning is a priority for the families we serve. We help you transfer wealth efficiently, protect what you've built, and create a legacy that reflects your values across generations. From trust structures to charitable vehicles to thoughtful family-governance conversations, we bring clarity and warmth to what can feel like a complex and emotional process.

Explore our legacy planning

Wealth transferTrust strategiesMultigenerational planningFamily governance

Protection

Risk Management & Insurance

Protecting what matters, so you can focus on living.

No financial plan is complete without protecting it. We review your full insurance landscape, life, disability, long-term care, and liability, to ensure your family, your wealth, and your lifestyle are safeguarded against life's unexpected turns. Our role is to provide objective guidance: to identify gaps, evaluate what you already have, and recommend solutions that fit your plan.

Life insurance reviewLong-term careDisability incomeUmbrella liability

Friends and family gathered at a long harvest table under string lights in a vineyard at dusk

Generosity

Charitable & Philanthropic Planning

Make your giving as thoughtful as the life you've built.

Many of our clients have deep roots in community, land, and the things that matter beyond money. Philanthropic planning aligns your generosity with your values and your financial strategy. We help you give more, more efficiently, using the right vehicles: donor-advised funds, charitable trusts, qualified charitable distributions, and gifts of appreciated securities. You give more to the causes you love, and less to taxes.

Donor-advised fundsQualified charitable distributionsAppreciated securitiesCharitable trusts

Enterprise

Business Owner & Plan Sponsor Services

Your business and your personal wealth are deeply connected. We plan for both.

For business owners, we coordinate personal and enterprise planning, from cash-flow and tax strategy to succession and the eventual sale or transfer of your business. And as fiduciaries to corporations, nonprofits, and associations, we help plan sponsors with governance, investment selection, benchmarking, plan design, and retirement-readiness strategies for their teams.

See our partners & institutional capabilities

Succession planningRetirement plan oversightInvestment selectionPlan design & benchmarking

Your Next Step

See how it all fits together.

In one conversation, we'll help you see your full financial picture, and the clear next steps.

Start a Conversation