Government & Military
Your pension is really a bond-like asset — factor that into your TSP allocation instead of treating it separately.
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My Approach
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.
The Clients I Serve
Retirees or Seniors
Every retiree has a plan for RMDs. The only question is whether you wrote it, or did you leave it to Uncle Sam?
Major Milestones I Specialize In
End of Life and Legacy Planning
Legacy planning isn't just about WHAT's left behind, it's about making things easier for WHO you leave behind.
Retirement Planning
The market doesn't retire when you do, but your paycheck does! Plan for the income, not the balance of your accounts.
Sudden Wealth or Inheritance
Sudden wealth does not require a sudden decision. Give yourself time before you give anyone else your money.
Our 7 Steps to Financial Planning
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
My Process
My process starts with education, not products. Before we talk about investments or strategies, I want you to understand where you currently are in your financial (and tax) situation, and why any recommendation makes sense for you specifically. As a CFP® professional and IRS Enrolled Agent, I integrate tax planning directly into the financial plan rather than treating it as an afterthought. That means looking at Roth conversion opportunities, retirement withdrawal sequencing, and tax-efficient investment decisions as part of the same conversation — not separate meetings with separate advisors. Plans are built collaboratively and revisited proactively as your life and the tax code change, not just when markets move or you reach out with a question.
Disclosures
Advisory services offered through Prosperitas Financial, an Investment Advisor registered with the U.S. Securities and Exchange Commission.
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.