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Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.
Government & Military
Your benefits package can be one of your most valuable financial assets. Before making a retirement, insurance, debt, or investment decision, make sure you understand how it affects your pension, TSP or other workplace savings, taxes, survivor benefits, and health-care coverage. The best decisions come from looking at the whole picture.
Retirees or Seniors
In retirement, the question is not simply, ‘How much can I withdraw?’ It is, ‘What is the most tax-smart and sustainable way to create the income I need?’ A written plan can help your savings work harder for you and reduce costly surprises.
Teachers & Educators
Your pension may provide an important foundation, but it may not be the whole retirement plan. If you use a 403(b) or 457(b), make sure you know what you are paying and what you are buying. Low costs, understandable investments, and flexibility are often more valuable than a complicated product with a strong sales pitch.
Early Retirement or Financial Independence
Financial independence is not just about having enough money to leave work. It is about building a bridge—from your last paycheck to the age when all of your retirement-income options are available—without creating unnecessary taxes, penalties, or health-insurance surprises.
Retirement Planning
Retirement planning is not just about accumulating assets. It is about creating a paycheck from the resources you have—Social Security, pensions, savings, investments, and other income—while managing taxes and protecting your long-term flexibility.
Starting a Business
Every dollar your business receives is not spendable income. Some of it belongs to the business, some may be needed for upcoming expenses, and some will ultimately go toward taxes. Separate accounts and consistent records help you know what you can safely pay yourself.
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
I work with clients through a personalized, education-first planning process designed to make complex financial and tax decisions feel clear, organized, and actionable. My goal is not simply to prepare a return or recommend a strategy—it is to help clients understand how today’s choices connect to their long-term financial security. You can expect a professional relationship built on clarity, preparation, and genuine care. I strive to create a comfortable space where you can ask questions, discuss concerns openly, and gain confidence in the financial decisions ahead. Whether you need help with a specific tax issue or want more comprehensive retirement and financial-planning guidance, my role is to help you move forward with a clearer understanding of your options—and a plan that supports the life you want to build.
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.
Household Income Minimum
$0
Investable Asset Minimum
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