Your Retirement Plan is Personal.
Our Process Makes It Work.
Holistic Online Financial Planning for Long-Term Clarity
Discover a thoughtful approach to online financial planning designed to support long-term financial decision-making. Our holistic financial planning process is delivered entirely online and tailored to your individual goals, values, and circumstances.
Our personalized planning process—including the innovative 2% Club™ framework—helps align your current financial picture with long-term planning objectives through disciplined, informed decision-making. We work with you to evaluate and position investments while accounting for real-world factors such as inflation, taxes, market volatility, and tax drag.
Our approach emphasizes identifying and managing known risks, preparing for uncertainty, and supporting financial decisions that reflect both your priorities and your connection to the community you care about.
Welcome to the 2% Club.
Most people underutilize their workplace retirement plan—choosing the wrong investments, contributing too little, or believing small changes won't matter. The 2% Club is a simple method to help you find your personal savings sweet spot and build lasting wealth.
Going Up the Mountain:
Finding Your Savings Rate 2% at a Time
Forget generic advice like "save 10%" or "max it out." Here's how the 2% Club works:
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Increase your retirement contribution by 2%
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Get two paychecks and see how it feels
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Too easy? Bump it up another 2% and repeat
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Feeling stretched? Stay where you are—you've found your personal best
This method lets you discover the right savings rate for your income and lifestyle, not someone else's.
But saving isn't enough—you need the right investments. Most people are handicapping their returns by choosing the wrong funds in their workplace plan.
I help you select the right investments for your retirement and investment accounts based on your personal scenario, taking into account future unknowns so your money works as hard as you do.
Coming Down the Mountain:
The 4% Rule
When you retire (typically around age 60), you can generally withdraw about 4% annually from a properly invested portfolio and reasonably expect it to last around 30 years—taking you to age 90 or beyond with smart strategies.
Important context: The 4% rule
(Google "William Bengen's 4% Rule" if you want the background) is a starting point—a flag in the storm to orient toward. But it's not a guarantee of success on its own. Your actual withdrawal rate depends on your unique income, expenses, debts, and assets. We customize your portfolio to account for inflation (remember when $50 at the grocery store bought a whole lot more?), market volatility, taxes, and other real-world factors.
The climb: You spend your working years going up the mountain at 2% increments. You spend retirement coming down at a sustainable 4% pace.
Retiring is more than just having money—it's about creating a solid income strategy. I help you build a reliable income plan by selecting the right investment mix and withdrawal approach for your situation, accounting for taxes, market conditions, and the unknowns ahead.
The Heart of the Club:
The 2% Give-Back
Money is a tool for security and happiness—but life's most important parts are relational. That's why 2% Club members name a charity as a 2% beneficiary of their retirement account. Is this a requirement to work with us? No.
But it will help you sleep better at night.
You're building wealth for yourself while doing great things in your community. It's not charity or savings—it's both.