You've Spent a Lifetime Building Wealth. Now Let's Make Sure It's Protected.

I didn't come up through the traditional financial planning path. I came up through education.

I started my career as a college teacher with two master's degrees — one in English and communications, the other in counseling. Both have served me more in financial planning than almost anything else I've learned since. The ability to explain complicated things simply, and to actually hear what someone isn't saying — that's the foundation of everything I do.

When I moved into financial services, I built my practice around one principle: it's always what you don't know that hurts you. Taxes, long-term care, IRMAA, sequence of returns risk — these aren't topics people stumble across on their own. And by the time most families realize they're exposed, it's already cost them.

I've worked with clients across multiple states, licensed in insurance, long-term care, annuities, and as an Investment Advisor Representative — which carries the highest legal fiduciary standard in the industry. If you've heard that a CFP is a fiduciary, here's the difference: if a CFP advisor misleads a client, they lose the right to practice. If I do, I'm looking at criminal liability. That's not a talking point. That's the standard I hold myself to every day.

I'm also an IRMAA Certified Planner and a Certified Dementia Practitioner — credentials I pursued because they address two of the most underestimated risks in retirement: the stealth tax that quietly consumes Social Security benefits for high earners, and the long-term care reality that most families refuse to plan for until it's too late.

I've been quoted in Forbes, CBS MoneyWatch, Kiplinger, AARP, MarketWatch, and dozens of other publications. Not because I sought out the spotlight, but because these are topics most advisors don't understand well enough to speak to.

My practice is focused on physicians and high-net-worth professionals — people who have been successful, who have worked hard, who have the discipline to save and invest — but who haven't had someone sit down and connect all the dots for them. That's exactly what I do.

Philosophy: Risk Management Is Financial Management

Here's how I see it: every dollar you've earned carries risk. Market risk. Tax risk. Longevity risk. Long-term care risk. IRMAA risk. Most advisors address one or two of these. I address all of them, because ignoring any one of them can unravel the rest. My job isn't to chase the best returns. My job is to make sure the worst cases never happen to you.

Who I Work With

My primary focus is physicians and high-net-worth professionals — typically with net worths ranging from $2 million to $15 million — who are anywhere from building their wealth to preparing for or entering retirement. If you've had a strong career, built real assets, and want someone who can see your entire financial picture and protect it, you're probably the right fit.