Tax-optimized financial planning and investment management tailored for retirement-focused clients, physicians, and mid-career families in Milwaukee, Wisconsin and virtually nationwide
“Our specialty is ‘preparing’ you for life’s unexpected challenges and guiding you toward financial security. With our tax-efficient retirement planning and investment expertise, we are dedicated to reducing your financial stress and helping to provide the peace of mind you deserve.”
-Andrew J. Ish, CFA, CPA, CFP® | Founder and Lead Financial Planner
What Ongoing Services Do We Provide?
We pay attention to these financial items, so you can focus on enjoying your busy life.
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Retirement Planning
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Investment Management
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Tax Planning
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Insurance and Risk Management Assessments
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Family Planning and Philanthropic Gifting
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Estate Planning
The “Prepared” Difference: What Makes Us Unique?
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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.
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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
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As a seasoned investment expert with a distinguished background, Andrew Ish brings 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.
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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?
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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.
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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.
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Given our limited capacity, we enjoy partnering with compassionate, purpose-driven clients who value authentic relationships and strive to leave the world a little better than they found it.
Those same values drive our own involvement in the community, from volunteering locally and serving on nonprofit boards to teaching financial literacy in our under-resourced communities. We believe financial planning done well extends into our community, and we are proud to work alongside clients who feel the same way.
Click each title (“+”) above for more details.
About Our Firm
Putting our 'client first' values into action, we prioritize your financial well-being above all else. As a fiduciary and fee-only registered investment advisor, we are dedicated to unbiased comprehensive retirement planning and investment management, tailored to your goals and values.
Our integrated approach serves to safeguard and accomplish your financial, philanthropic, and life objectives, so you can confidently achieve the future you envision.
Discover the unique qualities that set our firm apart by clicking the button below!
Services Offered
Our comprehensive range of financial services is designed to prepare you for unexpected financial concerns and guide you towards achieving your financial and retirement goals. Our expertise includes comprehensive retirement planning, investment management, tax strategies, insurance knowledge, estate planning, college planning, and more.
With our extensive industry experience and deep financial education, we leverage our expertise and network of other professionals to provide the highest level of knowledge, service, and support.
Understand the full range of our services by clicking the button below:
New Clients
We invite new clients to a complimentary call, where we’ll determine if we’re a great long-term fit to accomplish your goals. We will also explore the uniqueness of our firm, discuss how we'll implement the financial plan, and review our investment approach.
Feel free to bring your questions and curiosity - no need to bring any documents.
We look forward to getting to know you and guiding you towards financial success!
Schedule your free initial assessment meeting below.
Fiduciary Duty
For us, being a fiduciary means prioritizing your interests above all else, even our own. We proudly maintain complete independence and diligently avoid any conflicts of interest. As firm believers in unbiased financial advice, we adamantly refuse commissions, proprietary products sales, referral fees, and industry gifts that could compromise our decision-making. As a fee-only firm, our sole compensation comes exclusively from the unbiased advice and services we provide to you.
Below, you'll find a list of our professional memberships and financial certifications. These credentials reflect our commitment to tax-efficient retirement planning and investment management. By continually expanding our knowledge and staying at the forefront of industry knowledge, we help ensure that our clients benefit from the highest level of expertise.
