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Over the years, we’ve come to specialize in guiding two distinct groups of clients: those transitioning into or navigating life in retirement, and those who have reached financial independence—often between ages 45 and 60—yet continue working because it brings them a sense of purpose and challenge. Typically new clients coming to us have a net worth of $3M - $30M, with an average of about $7M, and are looking for a trusted, personalized advisory relationship. To help illustrate who we serve and how we can support them, here are a couple client scenarios (with names and certain details adjusted for privacy):
—a dynamic couple enjoying a life fueled by both passion and purpose
David is a dedicated software engineer at a successful tech company, while Susan—a retired teacher—channels her days into planning their worldwide adventures, singing, and supporting philanthropic causes. For years, they relied on an ultra low-cost financial advisor to manage their investments, confident in David's own financial savvy.
Then everything changed. David's company stock soared at the same moment their advisor announced retirement. Suddenly, it was time for a fresh approach—someone who could guide them beyond simple market returns and look at the bigger picture.
Although David could afford to retire tomorrow, he’s committed to the vision of the company he helped build, believing it can change the world. When we began working together, we didn’t just discuss numbers; we explored what truly brought them both fulfillment. By stepping through every corner of their financial picture, we made sure that even if David lost his job and the company went bankrupt, they would be secure. Then we focused on the excess above that amount, and how to best structure and invest their wealth.
In the process, David realized money wasn’t motivating him to keep working. Instead, it became a powerful tool—a way to give back to their hometowns, fund philanthropic projects, and spread the joy they feel through Susan's passion for music and travel. Secure in their plans, David and Susan now pursue the life they want, inspired by a purpose greater than themselves.
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—a former executive at a successful tech company
After decades of hard work, she was finally ready to transition into life after work. Initially, she had her finances managed by a large national firm, but something felt off. She never quite got the time, attention, or guidance she truly craved. Tired of feeling like a number in a system, Debra decided to consider a smaller, more personalized advisory experience.
From the moment we began working together, she realized this was exactly the partnership she needed. Together, we didn’t just glance over the numbers; we dived into every detail—her retirement plans, investments, insurance, and all the personal transitions she was facing. Our conversations went deeper than she ever expected.
Debra found herself at a critical juncture, wondering, “What’s the next right move?”
She felt stuck between wanting to slow down and explore new interests, but still not fully sure she could afford to relax. Once she had a clear picture of her finances and options, she was amazed at how many doors remained open. It turned out she really could travel, take a few months off to attend spiritual retreats, or even dabble in a new creative project.
As Debra took time away from her familiar routines, she finally had space to think. Every step of the way, I was there to validate her choices and remind her that she was more than prepared financially. Having that safe, comprehensive support meant she could look to the future with genuine hope and excitement.
By the end of our first year working together, Debra told me, “This is exactly what I was hoping for—to go through everything and really talk it through.” Now, she feels seen, understood, and fully supported in embracing the next adventure life has to offer.