Services
Everything in one place. Nothing falling through the cracks.
As a CERTIFIED FINANCIAL PLANNER™ professional operating with a family-office approach, we coordinate across every dimension of your financial life — not just the accounts under our management. Below is the full scope of what that means in practice.
Exit & Business Transition Planning
The work that starts before an offer arrives and continues long after the wire hits. This is the core of what we do.
- Exit readiness assessment and timing strategy (Swing Theory)
- Business valuation orientation and multiple analysis
- Deal structure evaluation: asset vs. stock sales, rollover equity, earn-outs
- Pre-sale entity and ownership structure review
- Coordination with M&A advisors, investment bankers, and deal attorneys
- Qualified Small Business Stock (QSBS) eligibility and planning
- Installment sale and deferred recognition strategies
- Charitable strategies timed to a liquidity event
- Post-sale mandate: buckets, mandates, and the 90-day capital plan
- Business succession planning for multi-generational or family-owned businesses
- Second-bite-of-the-apple planning for PE-backed rollover scenarios
Tax Planning & Strategy
Proactive, multi-year strategy coordinated with your CPA — the forward-looking work compliance firms don't have time for.
- Multi-year income tax projection and planning
- Capital gains management and timing
- Tax-efficient investment account placement (asset location)
- Roth conversion analysis and execution planning
- Charitable giving strategies: DAFs, QCDs, appreciated asset gifting
- Business entity taxation review in anticipation of a sale
- Tax implications of deal structure and purchase price allocation
- Estate and gift tax planning coordinated with estate counsel
- Generation-skipping transfer (GST) tax awareness and planning
- Coordination with your CPA for return consistency and strategy alignment
Estate & Legacy Planning
The tax most owners have never heard of — until a sale makes it their largest one. We plan before the wire, not after.
- Estate tax exposure analysis and federal exemption planning
- Beneficiary designation audit across all accounts and policies
- Trust planning coordination: revocable, irrevocable, SLAT, GRAT, IDGT
- Titling and property transfer strategy
- Incapacity planning: healthcare directives, durable power of attorney
- Life insurance needs analysis in the context of estate liquidity
- Annual gifting strategy ($18,000 exclusion and beyond)
- Intra-family transfer and business interest discount strategies
- Charitable remainder trusts and private foundation awareness
- Multi-generational legacy planning: values, governance, family communication
- Post-mortem estate planning coordination with estate counsel
Investment Management
Discretionary portfolio management built around your goals, timeline, and tax situation — not a model portfolio off a shelf.
- Investment Policy Statement (IPS) development
- Asset allocation and portfolio construction
- Discretionary investment management through LPL Financial
- Tax-loss harvesting and gain management
- Alternative investment evaluation (the 5R Filter for post-exit opportunities)
- Concentrated position management and diversification strategy
- Risk tolerance assessment and ongoing portfolio suitability review
- Manager and fund due diligence
- Liquidity planning: immediate needs vs. long-term capital deployment
- Post-exit capital bucketing: financial freedom, entrepreneurial, and legacy accounts
Financial Independence & Income Planning
Your number, clearly defined — and a plan for generating income from wealth rather than a business.
- Financial Independence needs analysis and "your number" calculation
- Cash flow modeling: pre- and post-exit income projections
- Qualified plan selection and optimization for business owners (SEP, SIMPLE, Solo 401k, Defined Benefit)
- Qualified and non-qualified plan distribution strategy
- Required Minimum Distribution (RMD) planning
- Social Security optimization and timing analysis
- Medicare planning and healthcare cost management
- Income drawdown sequencing
- Sustainable withdrawal rate analysis
- Eldercare and aging parent financial planning
Risk Management & Insurance
Protecting what you've built before, during, and after a sale — including the risks most owners don't think about until it's too late.
- Comprehensive insurance needs analysis
- Life insurance audit: coverage adequacy, policy performance, ownership structure
- Disability income insurance review
- Long-term care insurance analysis and planning
- Key-person insurance evaluation for business owners pre-sale
- Buy-sell agreement insurance coordination
- Property and casualty coverage review (referral to specialist)
- Umbrella liability coverage assessment
- Estate liquidity analysis: ensuring assets are accessible when needed
Cash Flow & Balance Sheet Planning
Clarity on your full financial picture — especially in the transition years when income and expenses are both in flux.
- Personal financial statement preparation and analysis
- Cash flow monitoring and monthly expense benchmarking
- Debt management and financing strategy
- Pre-sale liquidity planning: ensuring adequate personal capital during a transaction
- Post-sale income gap analysis: bridging the period before investment income is established
- Education funding planning for children (529s, UTMA, funding strategies)
- Major purchase planning: real estate, vehicles, business reinvestment
- Charitable giving budget and vehicle selection
Multi-Generational & Family Planning
The responsible one in the family often carries more than one household. We plan across generations, not just for one balance sheet.
- Family financial planning coordination across generations
- Aging parent financial planning: care costs, housing transitions, estate coordination
- Family governance and wealth transfer communication
- Custodial account and minor trust planning
- Financial education for adult children transitioning into wealth
- Gifting strategy across family members
- Special needs planning (referral to specialist as appropriate)
- Blended family and beneficiary complexity navigation
- The Goldfin Moment: orienting family wealth toward purpose and impact
We don't just manage accounts. We coordinate everything around them.
Most advisors manage what you hand them. We oversee the full picture — the accounts, the deal, the estate, the family, and the next chapter — the way a family office would, for a client list we keep deliberately small.