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Financial Planning for Pre-Retirees & Small Business Owners

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​You’ve built a life of impact and independence.

 

​You’ve built a life of hard work, independence, and impact.

 

Now it’s time to make sure your money reflects that.

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I help you protect it, grow it, and align it with what matters most.

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At In The Money Retirement Planning, I work with pre-retirees and small business owners who have spent years building success — in their careers, their companies, and their communities. You’ve created opportunity and stability through dedication and smart decisions. Now, you deserve a plan that helps you turn that success into lasting freedom.

 

My fee-only, fiduciary approach integrates comprehensive financial planning & investment management— all under one roof. I handle the complexity so you can stay focused on what you do best: running your business, preparing for your next chapter, and living life on your terms.

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Our Core Services

What Do you get?

  1. Comprehensive financial planning

  2. Forward-looking tax advice (Tax preparation is available through our network of CPAs for an additional fee)

  3. Investment management

Comprehensive Financial Planning

I start by understanding your story — what you’ve built, what drives you, and where you want to go next. Together, we’ll design a financial roadmap that simplifies your life, strengthens your foundation, and evolves as your career and family grow.

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Our planning covers:

  • Goal setting & values-based alignment

  • Cash flow & debt management

  • Risk management & insurance review

  • Retirement projections & income design

  • Education funding strategies

  • Estate & legacy planning

  • Major life transitions & decision analysis

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Forward-Looking Tax Strategy & Preparation

Taxes influence nearly every financial decision you make. I integrate year-round tax strategy directly into your plan to help you keep more of what you earn and make smarter decisions about when and how to realize income.

Our tax services include:

  • Proactive tax planning throughout the year

  • Tax-loss harvesting & portfolio coordination

  • Charitable giving and donor-advised fund strategies

  • Business income optimization

  • Tax preparation available as an additional service through our network of CPAs for an additional fee.​

Investment Management

Your investments should reflect your goals — not just market trends. We manage portfolios using an evidence-based, tax-efficient approach that balances growth and protection, aligned with your time horizon, comfort level, and personal values.

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Our investment process includes:

  • Custom portfolio design & ongoing monitoring

  • Rebalancing and tax-efficient implementation

  • Sustainable and values-aligned investment options

  • Integration with your overall financial plan

  • Institutional-level discipline tailored to individual goals

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Who We Work With

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We’re a great fit for folks who:

  • Are the primary earners in their household

  • Manage complex income streams 

  • Are part of dual-income couples balancing taxes, cash flow, and family goals

  • Value simplicity, transparency, and partnership

  • Typically earn 100k+ or have a net worth of $1M+

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Why Pre-Retirees & Small Business Owners Choose
In The Money Retirement Planning

You’ve spent years taking care of everyone else — your business, your employees, your clients, your family. Now it’s time to give your own future the same attention and intention.

Protect what you’ve built, invest with purpose, and design a life that reflects your values — both today and long after you decide to step away from work.

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