The Financial Clarity You Crave
Custom spending, investment & tax reduction strategies to help you spend confidently in retirement.
We believe that clarity leads to confidence
Here’s how we create clarity at Acacia Grove.
Your default setting doesn’t have to be confusion
Plain-English planning that makes you feel confident about retiring
You’re probably asking…
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My expertise, process & technology allow me to add the most value to clients that have been good savers and accumulated at least $1,500,000 in retirement assets.
That being said, if you are close to this number or approaching retirement and have questions, I am always happy to connect and see whether I can help. If we aren't a perfect fit, I can help find you someone trustworthy that is.
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Yes! As a Registered Investment Advisor, I am a true fiduciary who is legally required to act in the best of interests of you, my client.
This fiduciary standard is only strengthened by the way I have chosen to structure Acacia Grove’s compensation as a fee-only advisory firm.
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I am an independent fee-only financial adviser. That's a lot of jargon, but what does it mean? First, 'independent' means that my compensation is not affected by the choice of investments I recommend for my clients. If I make a recommendation, it’s because I truly believe it is in your best interest, not because it makes me money, or because the firm I represent wants me to push its products.
'Fee-only' means that the only source of compensation I ever earn comes directly from you, my client, in the form of transparent quarterly advisory fees paid directly out of the investment accounts, or hourly financial planning fees.
No kickbacks from mutual funds, no commissions and no 'soft dollars' means that my interests are truly aligned with yours.
For more information on our pricing and fee schedule, visit our pricing page.
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Acacia Grove offers a range of financial planning services depending on what clients need. However, the core service offering is made up of the following:
Retirement Income Strategy & Analysis
Tax-Efficient Investment Management
Insurance & Risk Mitigation Strategies
Pro-Active Tax Planning
Estate Planning
Other services & expertise like charitable gifting strategies and stock option analysis is available to clients for whom it is relevant. If you are looking for advice on a topic not listed, let’s chat about whether we might be able to help you.
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Acacia Grove specializes in helping retirees minimize lifetime taxes, making investments more tax-efficient and using a dynamic retirement spending strategy called 'guardrails' that adjusts your monthly spending in response to changes in the value of your portfolio.
This helps my clients to be able to spend more confidently, knowing that we can easily make adjustments if things don't go according to plan, because (spoiler alert!), they won't.
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I strive to build relationships that last decades, not months. The only way this works is if I am consistently adding value to your financial life.
We will meet at minimum once per year, but likely at least twice, with frequent communication in between.
My client service calendar works around repeatable annual tasks focused on proactive tax planning, investment reviews and monitoring your retirement spending guardrails.
In between, we all know that life happens, so I am always on call for anything my clients need.
I’m looking for an adviser, how does it work?
Speaking to a financial adviser can be really intimidating. My process ensures that we get to know each other intimately, don’t prescribe recommendations without having all the facts, and that you remain fully in control of your own decisions.
After all, you’re the hero, I’m just the guide.
Acacia Grove’s 3-Step Process
You’ve been collecting financial puzzle pieces your entire career. Let’s get to know each other and identify the assets & sources of income you have to build a paycheck for yourself in retirement.
Puzzle Piece Meeting
Before we start, I’ll clearly spell out the elements your custom financial plan will include. The end result is a specific action plan that identifies the steps you need to take to move the needle in your retirement preparation.
Develop Your Plan
Whether you want to implement your plan yourself, or need help moving the puzzle pieces to the right places, I’ll make sure you take action, as even the best plan without action is useless.
Action Plan
I can’t wait to meet you!
Whether you’re on the fence or all-in on Acacia Grove, everything starts with a conversation. No cost, no commitment. Just figuring out if we’re the right fit for each other.