"I take the time to get to know you — your goals, priorities, and comfort with risk — and then design a personalized plan built to move you toward the future you want."
- Marc Lowe CFP
Most Used Personal Services
Retirement Income Planning
Questions We Answer:
1. How do I turn my savings into consistent income without running out of money? 2. Which income sources should I use first: Social Security, pensions, retirement accounts, business income, or investment accounts? 3. How do I coordinate multiple income streams so they work together instead of against each other? 4. When should I claim Social Security to best support my long-term income and tax situation? 5. How much can I realistically spend each year and still feel confident about the future? 6. How do taxes change once I start withdrawing from IRAs, 401(k)s, and taxable accounts? 7. How do Required Minimum Distributions fit into my income plan, and can I reduce their impact? For business owners: 8. How should business sale proceeds or ongoing payments be integrated into retirement income? 9. How do I reinvest or deploy that cash without creating tax or market risk? 10. How do I plan for inflation, market downturns, and longer-than-expected longevity? 11. If something changes—markets, health, expenses—do I have flexibility built into my income plan?
What you get:
👉Detailed plan with strategies to lower taxes and optimize different income streams in retirement. 👉Detailed Social Security Timing Strategies 👉Detailed Review of Pension income 👉 Detailed plan on where to hold certain investments to optimize portfolio efficiency.
Tax Mitigation
Questions We Answer:
1. Am I paying more in taxes over my lifetime than I need to, because I’m using advice from friends or family? 2. Should I be contributing to pre-tax, Roth, or taxable accounts at this stage of my life—and how should that change over time? 3. Would Roth conversions actually lower my lifetime tax bill, or would they just create a large tax bill today? 4. Am I at risk of future tax spikes from Required Minimum Distributions, Medicare premiums, or changes in tax law? 5. Which investments belong in which accounts to reduce capital gains taxes and unnecessary distributions? 6. How can I reduce year-end capital gains and surprise tax bills in my taxable portfolio? 7. Are my investment returns being quietly eroded by poor tax positioning rather than market performance? 8. How do business income, bonuses, or one-time events affect the tax decisions I should be making now? 9. Are my tax decisions coordinated with retirement income, charitable giving, and estate planning—or operating in silos? 10. Is my CPA aware of my long-term strategy I’m aiming for—or just preparing last year’s return?
What you get:
👉 Detailed plan with strategies geared towards lowering your lifetime tax bill 👉 Annual Tax Letter Summary detailing all tax moves taken in previous year 👉 Annual Tax Report Summary which reviews your most recent tax return to comb for future tax year opportunities and catch any mistakes on filing.
Estate planning
Questions We Answer:
1. Does my current estate plan still reflect my goals today, or is it based on an old version of my life? 2. Are my will, trust, powers of attorney, and healthcare directives still valid, up to date, and coordinated with each other? 3. If something happened to me tomorrow, would my family clearly understand what to do—and why? 4. Do my beneficiary designations and account titling actually match what my estate documents say? Or could they override my wishes? 5. Have changes in wealth, family dynamics, or business ownership created risks or gaps in my plan? 6. Are there tax or distribution issues that could unintentionally reduce what my heirs receive? 7. For business owners: 8. What happens to my business interest if I die or become incapacitated? 9. Is this coordinated with my broader estate and succession goals? 10. If updates are needed, do I know exactly what needs to change before meeting with my estate attorney?
What you get:
👉Through our partnership with Estate Guru we are able to facilitate the creation of Estate Documents. 👉As a client you get Power of Attorney & Healthcare Directives complimentary as a client. (yes - Free!) 👉For additional documents like, Trusts, Wills & Deeds additional charges apply by Estate Guru. Must contact for pricing.
Optimize Workplace Benefits a Work
Questions We Answer:
1. Am I contributing to my 401(k) or retirement plan in the most tax-efficient way for my situation? 2. Should my contributions be traditional, Roth, or a mix—and how should that change over time? 3. Is my retirement plan helping lower my lifetime tax bill, or just deferring taxes without a strategy? 4. Does my employer-provided life insurance actually protect my family and income if something happens to me? 5. Do I have gaps in coverage that I wouldn’t find out about until it’s too late? 6. Is my health insurance the right fit for my specific health needs, prescriptions, and doctors—for both me and my spouse? 7. Am I overpaying for coverage I don’t need—or underinsured where it matters most? 8. Is my disability insurance adequate to protect my income if I can’t work due to illness or injury? 9. Do I fully understand what my benefits cover—and just as importantly, what they don’t? 10. Are my workplace benefits coordinated with the rest of my financial plan, tax strategy, and family goals?
What you get:
👉Annual Review of Workplace Benefits during Open Enrollment. to ensure you have adequate coverage and the benefits that align with your plan.
Charitable Gifting Planning
Questions We Answer:
1. Is my charitable giving actually creating the impact I want, or is it mostly reactive and last-minute? 2. Am I losing potential tax deductions because of how or when I give each year? 3. Since I give more than the standard deduction, am I structuring gifts in the most tax-efficient way? 4. Should I be giving cash, appreciated investments, or using a multi-year strategy instead? 5. How do I time my charitable giving to align with high-income years, business income, or one-time events? 6. Am I coordinating charitable gifts with other tax strategies like Roth conversions or capital gains planning? 7. Would bundling or smoothing charitable deductions over multiple years increase my tax benefit? 8. How do charitable goals fit into my broader retirement and estate plan? 9. If charitable giving is important to my legacy, am I setting it up in a way that continues beyond my lifetime?
What you get:
👉Detailed Charitable Gifting Analysis to optimize charitable gifting deductions each year. 👉Charitable Distributions Completed for you (Investment Management Clients Only)
Investment Management
Questions We Answer:
What you get:
1. Is my portfolio actually aligned with the goals I’m investing for, or is it just a collection of accounts and funds? 2. Am I taking more risk than I realize—or not enough to realistically reach my goals? 3. How should my investments change as my life, income, or retirement timeline changes? 4. Are my investments coordinated across all accounts, or are they unintentionally duplicated or working against each other? 5. Is my portfolio designed to handle market downturns without forcing bad decisions at the worst time? 6. Am I paying unnecessary fees, taxes, or trading costs that are quietly reducing my returns? 7. Are my taxable investments structured to minimize capital gains distributions and tax drag? 8. How does my investment strategy support retirement income, charitable giving, and estate goals? 9. Do I have a clear plan for what to do when markets are volatile—or am I reacting emotionally? 10. Is there a disciplined process in place to rebalance, adapt, and stay aligned over time?
👉 Cost-Efficient Portfolio Management 👉Tax-Loss Harvesting 👉Business Retirement Plans including Sep, SIMPLE & i401ks & 401ks 👉Automated Money WIthdrawals/Contributions 👉Quarterly Performance Reports ​
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One size doesn't fit all. We offer personalized strategies that fit your unique financial situation and retirement aspirations.