The Question
Could the household keep going?
Housing, food, childcare, and debt service do not pause. We work out the real monthly requirement and how many years it has to be covered.
Solutions
Built for every stage of your family's story.
We are a Family Wealth Strategy Firm. Our Family Wealth Strategists work on four questions every household eventually has to answer — and stay in the relationship long enough to help you answer them.
01 — Family Protection
What happens to the household if income stops.
Most households run on one or two paychecks. We map what the family needs each month, how long it would need it, and where that money would actually come from if an earner were suddenly gone.
What We Review
Existing coverage and true exposure
Employer benefits, anything already in place, and the gap between what a family assumes is covered and what is.
The specific strategies and solutions that fit your family are discussed in a personal consultation, where we can review your actual situation.
Read more: What protection actually does·The DIME method
02 — Generational Wealth
How value moves to the next generation intact.
Most family wealth does not survive the handoff. The loss usually comes from unclear instructions, unfunded structures, and heirs who were never taught what they were receiving.
The Question
Who receives what, and how?
Beneficiary records, titling, and estate documents decide the outcome — often overriding what the family believed the plan was.
What We Review
Structure and readiness
Whether the documents match the intent, whether the structures are actually funded, and whether the next generation has been prepared to steward what arrives.
The specific strategies and solutions that fit your family are discussed in a personal consultation, where we can review your actual situation.
Read more: Revocable vs irrevocable trusts·Beneficiary designations
03 — Retirement Strategy
Turning accumulated value into reliable income.
Retirement is a sequence of decisions — when to claim Social Security, which accounts to draw from first, and how to make what was saved last as long as the household does.
The Question
What does the household spend, and where does it come from?
Income need in the first decade after work looks different from the last. We map the sequence, not a single number.
What We Review
Timing and order of withdrawals
Claiming decisions, tax treatment of each source, and the risk of drawing down in the wrong order.
The specific strategies and solutions that fit your family are discussed in a personal consultation, where we can review your actual situation.
Read more: The three buckets of retirement income·Social Security timing
04 — Business Continuity
Keeping a business whole through an owner's exit.
Owners carry risks a household plan does not address — the loss of a key person, an ownership transition nobody documented, and an exit that has no funding behind it.
The Question
What happens to the business on the day the owner stops?
Planned or unplanned, the answer is usually written somewhere — or nowhere at all.
What We Review
Agreements, key people, and funding
Whether a transition agreement exists, who the business cannot operate without, and whether the transition has money behind it.
The specific strategies and solutions that fit your family are discussed in a personal consultation, where we can review your actual situation.
Not sure where to start?
Every family's situation is different. Let's walk through yours.