We prefer that you keep your money under your own control. We walk you through any changes that we recommend, and mentor you on how decisions are made.

We keep track of how you’re invested, and we’re always watching for strategic opportunities to change asset allocation, change from TIPS to regular bonds or treasuries depending on inflation forecasts, make sure to use the proper type of bond funds for the current interest environment, and make any moves that will be tax-advantageous, such as Roth conversion, gain/loss harvesting, and asset location. When it’s time for a strategic change, we reach out and guide you through it.

Also, we do a free annual retirement plan update at the beginning of each year for our year-round clients, and tax review sessions several times a year. It’s their detailed step-by-step roadmap for retirement, whether it’s traditional or early/FIRE.