Discover tax-optimized financial planning and investment management tailored for retirement-focused couples, physicians, and growing families

Andrew Ish, the founder, distinguishes himself as one of the few financial advisors who holds these three financial credentials:

• Chartered Financial Analyst (CFA)

• Certified Public Accountant (CPA)

• Certified Financial Planner™ (CFP®)

With extensive industry experience complementing these certifications, our firm possesses a unique skill set. This blend of retirement planning expertise, deep investment management knowledge, and tax optimization proficiency allows us to provide tailored financial plans unique to each client.

With taxes impacting nearly every aspect of financial planning and investment management, we have extensive tax knowledge which ensures you pay the least amount possible to Uncle Sam.

Some of our tax expertise includes:

• Preparing tax projections

• Tax return reviews

• Tax-efficient asset location optimization (e.g., Investments have different tax rates so we utilize pre-tax, after-tax, and tax-free accounts to maximize after-tax returns)

• Tax-efficient retirement withdrawal strategies

• Tax-saving charitable gifting strategies (e.g., DAFs and QCDs)

• Roth IRA Conversion analysis

• Pre-tax versus after-tax 401(k) contribution optimization recommendations

• Tax-free HSA investing

As a seasoned investment expert with a distinguished background, Andrew Ish bring a unique blend of qualifications and experience to manage your portfolio. Holding a CFA designation, our commitment to excellence is underscored by a deep love for markets, economies, and behavioral finance, combined with insights gained from learning under some of the industry's best Chief Investment Officers.

We specialize in retirement planning. Whether you are in the process of preparing for retirement or already enjoying retirement, our tax-efficient comprehensive retirement planning and investment management services will assist you in accomplishing your goals with confidence.

As you embark on this important journey, numerous decisions need to be made such as:

• Am I on track to retire?

• When should I retire?

• How can I withdraw from my portfolio in the most tax-efficient manner?

• What’s the best claiming strategy to maximize my lifetime Social Security benefits?

• Do I anticipate lower-income years before required minimum distributions (RMDs), Social Security, and pensions? Then, it’s prudent to review whether Roth IRA Conversions are a suitable strategy to help reduce taxes over your lifetime.

• How can I maximize my pension claiming decision?

• As someone who is charitable, how can I optimize tax savings on donations to create an even greater long-term impact?

• Is my estate plan up to date?

Inspired by Dr. Atul Gawande's book, 'The Checklist Manifesto’, we integrate a comprehensive financial checklist into our process for developing financial plans and making investment recommendations. Extensive research has shown that the use of checklists minimizes the risk of overlooking critical details, even for top professionals.

Just as surgeons rely on checklists to prioritize patient health, financial advisors should utilize checklists to ensure your financial well-being. In the words of Dr. Gawande, “I have not gotten through a week of surgery when the checklist has not caught a problem.” Similarly, our financial checklists play a vital role in identifying and resolving potential issues, ensuring that your financial health is in order.

We are an independent fiduciary who provides unbiased financial advice. Unlike some advisors tied to a large institution or insurance firm, we have the freedom to select the best solutions for our clients and are not influenced by any pressure to promote proprietary products or earn commissions, ensuring objective recommendations align with your goals.

Additionally, as a fee-only advisor with commitment to transparency, we uphold a clear and understandable fee structure to ensure you understand what our service charges will be.