Most people save for "someday." The work here is turning scattered accounts and steady contributions into an actual date — and an income that lasts beyond it.
Retirement rarely lives in one place. Part of the job is making the pieces act like one portfolio.
Your workplace plan stays at work — but it can still have a strategy. I help clients think through contribution rates and the fund choices inside the plan.
The accounts we can open and manage together — with the tax treatment chosen deliberately, not by default.
Old employer plans, consolidated where it genuinely helps — after an honest review of all your options, including the ones that don't involve me.
SEP IRAs and Solo 401(k)s for business owners and freelancers — with contribution math done right.
Run five online retirement calculators and you'll get five different numbers — sometimes hundreds of thousands of dollars apart. That's not because the math is broken. It's because each one quietly assumes the hard parts, and every tool assumes them differently.
Before trusting any number, a few questions have to be answered first:
The assumptions are the plan. Yours starts with a conversation.
This page is general education, not individualized advice or a projection — the questions above illustrate why retirement numbers depend on personal circumstances and assumptions.