As a Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®)—earned in conjunction with the Wharton School—and with more than 30 years of experience, I specialize in comprehensive wealth strategies for high-net-worth individuals and business owners.

My background as an Army veteran and graduate of the St. John's University School of Risk Management, where I earned a degree with honors in Actuarial Science, provides a rare distinguishing edge in risk modeling and wealth management—delivering precise, tax-optimized plans that safeguard your substantial assets, mitigate complex risks, and build enduring multi-generational legacies with confidence.

Yes, when offering financial advice, I act as a fiduciary in advisory relationships, putting your interests first—legally and ethically. This commitment to independence means full disclosure of any potential conflicts, credentials, and compensation details, ensuring truly objective recommendations free from hidden incentives.

Even when solutions involve commission-based offerings, LPL's policies neutralize compensation biases to eliminate incentives favoring one provider over another, prioritizing your best interests.

Upholding the unified standards of integrity, independence, client primacy, and diligent transparency from the CFP Board, Investments & Wealth Institute, LPL Financial, and regulatory requirements, you'll receive tailored strategies that safeguard your high-net-worth portfolio and business assets for optimal growth and protection.

LPL Financial is the largest independent broker-dealer in the U.S., founded in 1989 to empower advisors like us with cutting-edge technology, compliance support, and custodial services—without corporate interference.

More than 20 years ago, we chose LPL to support delivery of unbiased, personalized advice to our clients.

We are backed by their robust platform, ensuring your assets are secure. Learn about our LPL partnership: About Us | LPL Financial

I deliver comprehensive, integrated services including personalized investment management, advanced tax optimization, retirement and legacy planning, risk assessment, and business succession strategies—all customized for high-net-worth individuals and business owners with substantial portfolios.

My ideal clients are accomplished professionals and entrepreneurs seeking sophisticated guidance to preserve wealth, navigate market complexities, and achieve multi-generational estate planning objectives, ensuring your assets work as hard as you do without the hassle of fragmented advice.

We get paid in three primary ways to align with your unique needs, plus the most rewarding -- client referrals.

(1) Flat fees for financial planning—up-front $1,200, $2,400, or $3,600 based on anticipated time and complexity, paired with an ongoing subscription of $100, $200, or $300 monthly;

(2) Assets under management fees (typically 0.5-1.25% annually, scaled for larger portfolios); and

(3) Commissions when representing you in the marketplace for suitable solutions, governed by LPL's bias-limiting policies to ensure impartiality.

All costs are disclosed upfront—no surprises—so you can focus on your high-net-worth goals.

And when clients see the value, they often refer family, friends, and colleagues, creating lasting partnerships.

Our discovery process starts efficiently with collecting objective information and documents via our secure WealthVision onboarding portal, including an online Risk Number quiz and simple uploads.

This is followed by a complimentary 60-minute virtual or in-person meeting to confirm submissions and explore your Visions and Values—your high-net-worth goals, constraints, portfolio details, and business complexities.

We'll share observations and discuss potential action steps for consideration with no commitment, ensuring mutual fit and delivering immediate clarity for your wealth preservation and growth.

Once we're partners, communication is proactive and personalized to fit your high-net-worth lifestyle: periodic comprehensive reviews to track progress on your goals and adjust for market shifts or business changes, daily portfolio summaries via our secure WealthVision portal; and unlimited access for ad-hoc questions through email, phone or scheduled video calls.

We prioritize efficiency—delivering insights without unnecessary meetings—so you stay informed and empowered to focus on your family and business while we handle the details.

We tackle your high-net-worth challenges head-on with data-driven, customized strategies:

For retirement, we address unique retirement personality by applying tailored income models like Systematic Withdrawals, Risk-wrapped, Segmented, or Safety First.

For wealth transfer, we integrate estate planning, risk modeling, and portfolio diversification to facilitate seamless, tax-minimized transitions amid family or business complexities.

By aligning your Visions and Values with actuarial insights and ongoing adjustments, we turn obstacles—like volatility or regulatory hurdles—into opportunities, empowering you to achieve lasting wealth preservation and expansion.

Risk management is foundational, blending my actuarial background with tools like the Risk Number quiz and advanced modeling to quantify and mitigate uncertainties in your high-net-worth portfolio—such as market volatility, longevity risks, or business succession threats.

We diversify strategically, stress-test scenarios, and adjust dynamically via WealthVision monitoring.

Success is measured not by short-term returns but by achieving your Visions and Values: sustained growth, tax efficiency, and milestone hits like secure wealth transfer, tracked through clear, personalized dashboards for ongoing confidence.

Our relationships are built on mutual fit, with no long-term contracts—simply provide 30 days' notice to cancel, and we'll handle a smooth transition without penalties.

If it's not the right partnership, we'll transfer your files, accounts, and WealthVision access securely to your new advisor, ensuring minimal disruption to your high-net-worth portfolio or business operations.

No guarantees on performance (markets are unpredictable), but we stand by our fiduciary commitment to your best interests.

Ready to explore? Schedule your discovery session today for clarity on next steps.

With the One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, permanently extending TCJA's 37% top rate, making QBI deductions ongoing for business owners, raising the SALT cap to $40,000 (with phase-outs for $500k+ earners), and enhancing estate exemptions—boosting after-tax income by ~2-4% for $1M+ households—we proactively optimize these for your high-net-worth portfolio.

On AI, we leverage generative tools for hyper-personalized insights, real-time risk analytics, and cybernetic advising—blending human expertise with automation in WealthVision for efficient portfolio optimization and compliance, ensuring you stay on track with your personal and business wealth management plans.