client profiles

Retirement Focus

I help retirees construct low-cost, tax-efficient income strategies and manage risks that could derail their financial security.

I enjoy helping people achieve financial security and target long term goals by building and executing robust financial plans.

I develop innovative solutions to maximize financial planning opportunities available to business owners and entrepreneurs.

As an applied math PhD, I enjoy getting into the mechanics of investing and financial planning with engineers and other analytical clients.

I take pride in being the trusted steward of your wealth so you can focus on more important matters.

When it comes to retirement, the stakes are high. You need a partner you can trust to develop a robust and tax-efficient plan for retirement.

It is important to plant the right seeds to maximize the benefit of time and compounding. Low costs and tax efficiency are critical.

Research and analysis is in my DNA. My research is available for free and regularly published and quoted by multiple financial media outlets.

I can provide a degree of customization other advisors cannot with off-the-shelf funds and products.

I am a researcher at heart and take nothing for granted. Anything less compromises performance and peace of mind.

August 2020
Optimizing Fixed Annuity Tax Deferral
Annuities are popular tools for retirement income planning. While stigmas exist around some annuity products (for good reason), recent research shows how fixed annuities can add value in the context of retirement income. In addition to being able to guarantee income for life, tax benefits are often advertised as a key advantage of using annuities. This article discusses the mechanics Continue Reading

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April 2020
Dividends: Theory and Empirical Evidence
Building on the concepts presented in our Dividends Are Different article, here we present data and observations highlighting how dividends can protect investors from inflation and market volatility. While this content is relevant to other applications, we focus on it within the context of retirement income. When designing portfolios to provide for retirement, conventional wisdom holds that allocations to stocks Continue Reading

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November 2019
Dividends Are Different
There has been abundant discussion regarding the utility of dividends. Many investment models rely on factors or other strategies in their attempt to increase returns or reduce volatility. These approaches generally focus on total returns and brush dividends under the rug. Some go further and argue specifically against dividends – occasionally likening dividend advocates to sacred cow worshippers. The low Continue Reading

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