Services and the In Phase Wealth Management difference
The platform and services are designed to elevate your experience by leveraging technology to streamline the process of managing complex finances and give you confidence in your life's major financial decisions.
Diversified Portfolio
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Implement a holistic and tax efficient portfolio
Financial Planning
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Financial advice for whatever life throws you
Advice on how to manage company stock compensation
Tax planning
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Advisory 529 College saving plans
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Wealth Transfer Planning
In Phase
Wealth Management
DYI + Robo
Traditional Advisor
Wealth Management
Although many of my clients have successfully managed their investments to build their wealth, there comes a point when the complexity and potential risks require a more comprehensive platform and strategy.
Value Addition
Diversification
Use cost-effective tax efficient ETFs and mutual funds, and apply strategies like factor-based investing, behavioral finance theory, and tactical positioning to structure portfolios.​​
Tax Focused Investing
Regularly looking for ways to capture tax-savings opportunities, such as harvesting losses to offset gains.
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Risk Management
Seek to thoroughly understand clients' risk tolerance and evaluate investments that are suitably aligned with their objectives.
Asset Location
Strategically positioning assets across accounts to optimize long-term, after-tax returns.
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Tactical Positioning
Use tactical positioning to seek to capitalize on industry and market trends
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Asset allocation does not ensure a profit or protect against a loss.
​Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
​Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.​
In Phase Wealth Management and LPL Financial do not provide legal or tax advice. ​Please consult with your tax or legal advisor regarding your personal situation. ​
Stock Compensation
Stock compensation can significantly impact your financial life, so it should be carefully planned to assess risks, returns and tax liabilities to make an informed decisions.
Value Addition
We have experience with various compensation forms, including RSU, ISO, NQO, RS, and ESPP.
Comprehending grants and vesting timelines​
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Strategizing a multi-year approach for exercising and selling
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Diversifying away from a concentrated positions
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​Modeling scenarios to evaluate options for informed decision-making
Analyzing tax implications to estimate liabilities and plan for tax payments
Financial Independance/Retirement Planning
Many investors wish to attain financial independence to pursue their passions but lack a plan to reach this objective. A financial plan can outline how close you are to financial independence and potential strategies to improve your chances of success.
Answer key questions
When can I scale back my work career?
How much can I spend?
How should I be invested?
When can I file for social security and how much will I get?
Which accounts should I take distributions from?
Are there strategies that can help manage tax liabilities?
How much will health care cost and how does medicare work?
Wealth Transfer Planning
It's crucial to establish a thorough wealth transfer plan after spending a significant part of your adult life building your assets. This plan should aim to secure the best possible outcome for your loved ones in the event of your unexpected passing. Sadly, investors overlook the necessary estate documents needed for a seamless transfer of wealth. This neglect can result in challenges for your family, potentially their inheritance, sparking conflicts, and imposing considerable time and financial strains in retrieving the assets.
The Process
I work with investors using an interactive data-driven online process to understand their current financial situation and progress. From this analysis we can identify areas to focus on and investment options to drive your plan's performance. We then track your net worth and plan's progress through an interactive planning portal. See the portal in action below.
Pricing plan options
I strive to provide simplicity and transparency in the pricing of my services. Whether you’re looking to start wealth-building, plan for a stock award, optimize your financial life or prepare for financial independence, I offer flexible pricing and planning options that evolve as your needs change.
Wealth Builder
For professionals focused on building wealth strategically.
What's included
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Personalized Investment Allocation
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Foundational Financial Planning
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Personalized financial guidance from a dedicated advisor when you need it
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Major life event guidance
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Corporate Benefit Review
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On-line frictionless platform
​May be right for you
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Looking to develop a wealth building plan for saving and investing
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Equity compensation earners
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High earner, not rich yet (HENRY)
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Pre-liquidity startup employees
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Planning a house purchase
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Want a college savings plan
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0-1M investable assets
How you pay
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Flat 1% fee on any assets managed
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Advanced financial planning fee if needed
Wealth Manager
For established professionals looking to optimize and streamline their financial lives with a comprehensive and time-tested process.
What's Included
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Comprehensive approach to investment management, financial planning, tax planning, wealth transfer planning and risk management
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Personalized tax efficient investment allocation
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Advanced financial planning
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Personalized financial guidance from a dedicated advisor when you need it​​
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On-line frictionless platform
​May be right for you
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Looking to organize and optimize your financial plan and process
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Want professional management of investments
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Need a stock compensation plan
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Want help with Inheritance transition(inherited IRA)
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Looking to implement a Roth IRA conversion plan
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​1099 income earner
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Tax strategy seekers
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​$1M - $5M investable assets
How you pay
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A tiered fee structure based on the assets managed.
Financial Independance
For those who have accumulated wealth and are seeking to preserve and grow their wealth to support their lifestyle.
What's Included
All of Wealth Manager plus
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Advanced Planning
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Tax-efficient distribution Strategies
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Philanthropic planning​
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Wealth Transfer Planning
​May be right for you
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Looking to drive tax efficient income or withdrawals from investments
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Tax strategy seekers
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Looking to implement a Roth IRA conversion plan
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Need an legacy/estate plan
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Looking for risk management
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Has philanthropic goals
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Want a online platform with a transparent fee structure
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$5M+ Investable assets
How you pay
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A tiered fee structure based on the assets managed.