“Am I on track?”

You’ve worked hard and built a solid foundation. Good income, bills are paid, some money saved. But where do today’s habits put you in 10 to 20 years?

I help low-debt families in the North Dallas suburbs in their peak earning years organize their finances and get on-track for retirement.

Wondering if you’re on track for retirement? I’ll help you map where you are, what retirement could look like, and what to do next.

Can’t see the whole picture? I’ll put everything in one place so you can decide your next step.

Fee-only fiduciary. CFA® charterholder and CFP® professional. McKinney, Texas.

“am I on track for retirement?” workbook – FREE DOWNLOAD

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“Trust in the Lord with all your heart, and lean not on your own understanding; in all your ways acknowledge Him, and He shall direct your paths.”
Proverbs 3: 5-6 NKJV

Why work with me?

In the late 1990s my dad trusted an adviser who pushed hot stocks and gave terrible advice. He lost $400,000. I built this company to be the exact opposite of what he experienced. Read the story.

Independence

Fee-only fiduciary. No commissions or product sales. I’m legally required to put you first.

Credentialed

CFA® charterholder and CFP® professional, held to both codes of ethics. Nearly 20 years managing money at the institutional level.

Clear pricing

You’ll know what it costs and what you get before you sign anything.

Plain English

No jargon. No question is off-limits. You’ll know what you own and why.

How we can work together

Start with a plan. Add investment management if and when it makes sense for you.

Financial planning

Foundation

A financial plan covers these areas. You choose where to start.

Retirement income. When to retire, Social Security, pensions, which accounts to draw from first
Investments. Allocation, risk, and your written Investment Policy Statement
Taxes. Roth conversions, managing your bracket, charitable giving, working with your CPA
Cash flow, net worth, and debt. Spending, emergency reserves, paying off the mortgage
Workplace benefits. 401(k) and pension elections, stock compensation, HSA
Insurance and risk. Life, disability, long-term care, health coverage before Medicare
Estate and legacy. Wills, beneficiaries, account titling, trusts
Family. Education funding, aging parents, special circumstances

Clarity Session

One decision. One planning meeting + follow-up. Completed in 1-2 months.

$1,500
paid up front

One-Time Plan

Up to three areas. 2-3 meetings + a written plan, completed in 3-6 months.

$6,000
half to start, half at delivery

Ongoing Planning

Every area over twelve months, then kept current as life changes.

$500/month
Subsription, cancel anytime

Investment management + planning

Cornerstone

I write your Investment Policy Statement and manage your portfolio to it.

Fee schedule

Assets Under Management	Annual Fee
First $200,000	2.00%
Above $200,000	1.00%

Maximum annual fee: $12,500 per household

Each rate applies only to the assets within its tier, the same way income tax brackets work. Household accounts are combined.

Minimum account size: $50,000 | Minimum annual fee: $1,000

Planning included at each level

Financial planning is included. How much depends on your household’s assets: a Clarity Session from $50,000, a One-Time Financial Plan from $200,000, and Ongoing Planning from $1,000,000.

Household assets	Planning included	Example annual fee
$50,000	Clarity Session on one area	$1,000 (2.00%)
$200,000	One-Time Financial Plan on up to three areas	$4,000 (2.00%)
$500,000	One-Time Financial Plan on up to three areas	$7,000 (1.40%)
$1,000,000	Ongoing Planning on every area	$12,000 (1.20%)
$2,000,000	Ongoing Planning on every area	$12,500 (0.625%) Maximum applies

Not sure which fits? We’ll figure it out together on a free call.

Book a free 30-minute call

Why work with me?