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A plan for every part of your financial life
Six areas of planning that most people handle separately — and one firm that handles them together.
Many pieces, one plan
Your money does not live in separate boxes
When you claim Social Security changes your tax bill. Your tax bill changes what you can safely withdraw. What you withdraw changes your Medicare premium. And every one of those decisions changes what reaches your family later.
- Social Security timing
- Your tax bill
- Safe withdrawals
- Medicare premiums
- What reaches your family
Most people end up with a different person handling each piece, none of whom has met the others. We plan them as one thing — because in your life, they already are one thing.
Where would you like to start?
The six services
Pick the one that matches the question keeping you up at night. We will get to the rest.
Income Planning
A sustainable paycheck for retirement — Social Security timing, pensions, and survivor planning.
Investment Planning
Risk-based, customized portfolios using independent, cost-efficient funds — not a house list.
Tax Planning
Tax diversification designed to minimize income, capital-gains, and estate taxes over your lifetime.
Healthcare Planning
Medicare decisions, coverage before 65, and a realistic plan for long-term care costs.
Legacy & Estate Planning
Coordinating with your attorney to protect what you have built and pass it on cleanly.
Comprehensive Planning
Many pieces, one plan — the holistic engagement that ties every part of your financial life together.
Not sure where to start?
Then start with a conversation
You do not need to know which service you need. That is our job.
Most people come in with one question — when can I retire, should I take the pension as a lump sum, is this portfolio too aggressive — and leave with a clearer view of all six pieces. The first visit is complimentary and nothing is sold in it.
Your first visit
What the first meeting looks like
- About 30 minutes, in the office or by video.
- We ask questions and listen. You do most of the talking.
- You leave with at least one concrete thing worth acting on.
- No products, no paperwork, no pressure to decide anything.
Or start on your own
Run the Budget Planner or take the Risk Tolerance Assessment first. Both are free, both take a few minutes, and neither requires you to talk to anyone.
Open the Tools HubThe Nautical Planning Approach
However you start, the process is the same
Chart the course
A complimentary visit built around your goals, not our products.
Read the water
The honest inventory of income, accounts, taxes, benefits, and coverage.
Set sail
A written plan in plain language, implemented in a sensible order.
Navigate
Scheduled reviews, and a standing invitation to call before any big decision.
How our services fit together
Most people come to us with one question, about Social Security, taxes, or whether their money will last, and discover that the answer depends on the other services too. That is why each service is designed to work on its own and as part of one plan.
Which service should I start with?
- Retiring in the next few years? Start with income planning: Social Security timing, pensions, and a withdrawal plan.
- Mostly in 401(k)s and IRAs? Add tax planning for Roth conversions and required distributions.
- Retiring before 65 or approaching Medicare? See healthcare planning.
- Unsure how your money is invested? Begin with investment planning.
- Thinking about your heirs? Legacy planning starts with your beneficiary forms.
- Want it all coordinated? Comprehensive planning covers every area in one plan.
What our services cost
For investment management we are fee-only: a transparent advisory fee, and no commissions on the investments we recommend. We explain the exact fee and what it covers before you sign anything, and it is disclosed in our Form ADV, available on the SEC’s Investment Adviser Public Disclosure site. If you ever buy an insurance product through us, the insurer pays a commission, which we disclose first. The first visit is always complimentary.
Services FAQ
Do I have to use all of your services?
No. Many clients start with one service, such as a Social Security decision or a second opinion on their investments, and add others only if they are useful.
Do you work with my CPA and attorney?
Yes. We do not prepare tax returns or legal documents; we coordinate with your CPA and estate planning attorney so everyone works from the same plan.
Not sure where to start? That is normal.
Bring the question that has been on your mind. We will tell you honestly whether it is the right question.
Veteran-owned · Independent fiduciary · Jacksonville, Florida