Services
Every aspect of your financial life is connected
Whether you need complete financial planning, Social Security optimization, or specialized guidance during a major life transition, our services are designed to give you clarity, confidence, and peace of mind about your financial future.
Financial Planning for Widows & Widowers
You don't have to navigate this new chapter alone.
I specialize in helping newly single adults who are contemplating circumstances they never planned for. Together, we'll create a custom financial roadmap designed to give you confidence and avoid becoming a burden before, during, and especially at the end of retirement.
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Are a recent (or soon to be) widow, widower, or divorcee
Have total assets of $2 million or more
Want to maximize what goes to your family, not the IRS or nursing home
Value working with an independent fiduciary who puts your interests first
What makes this different:
Fixed, flat fee structure (no percentage-based fees that grow with your wealth)
Independent advisor – I don't work for insurance companies or investment firms
Written fiduciary pledge to always put your interests first
Remote service available nationwide
Investment minimum: $2 million in total assets
Annual fee: Starting at $10,200
A fixed, flat fee that covers financial planning AND investment management, which is very different from most others in the financial business.
Our minimum annual fee is $10,200, but I’ll only work with you if I can be sure the value outweighs the cost.
True Wealth Financial
Life Planning
For widows, widowers, and couples contemplating retirement.
As your True Wealth Financial Life Planner, I'll help you define what truly matters to you, then develop a comprehensive financial plan that aligns with your values and priorities. This isn't just about managing money – it's about ensuring your finances support the life you want.
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Are contemplating retirement or navigating a major life transition
Have total assets of $2 million or more
Want a comprehensive plan that covers all aspects of your financial life
Value "what if" scenario planning to prepare for life's uncertainties
Want to align your money with your values and life goals
What makes this different:
Integrates life planning with financial planning – your values drive the recommendations
Comprehensive "what if" analysis (market volatility, illness, longevity, inflation, etc.)
Fixed, flat fee covering both financial planning AND investment management
Ongoing partnership that evolves as your life changes
Focus on defining what "rich" really means to you, not just accumulating wealth
Investment minimum: $2 million in total assets
Annual fee: Starting at $10,200
A fixed, flat fee that covers financial planning AND investment management, which is very different from most others in the financial business.
Our minimum annual fee is $10,200, but I’ll only work with you if I can be sure the value outweighs the cost.
Social Security
Analysis
Maximize your benefits with expert guidance.
What if you claim your Social Security benefit at the earliest date? What if you waited until full retirement age? What if your higher-earning spouse claims early and then dies? These decisions are permanent and can mean tens of thousands of dollars in lifetime benefits. Get a comprehensive analysis of your Social Security claiming options without being sold insurance or annuity products.
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This service is ideal if you:
Are approaching Social Security eligibility (age 62 or older)
Want to maximize your lifetime benefits
Need to coordinate spousal benefits for maximum protection
Want objective advice without sales pressure
You are considering the impact of taxes and other income sources
What makes this different:
Complete break-even analysis to determine optimal claiming timing
Evaluation of survivor benefits and spousal coordination strategies
Takes into account your health, life expectancy, and overall financial goals
No insurance or annuity sales – just objective analysis
Simple, transparent flat fee structure
Service includes: Initial conversation, comprehensive analysis, and presentation meeting
Fee: $500 flat fee (individual or couple)
The cost for this service is a simple flat fee of $500 for an individual or couple (couple meaning two people that are relying on common earnings histories).
The fee covers the initial conversation regarding your Social Security claiming objectives.
Analysis of the available scenarios.
A second meeting for presentation of our recommendations.
Social Security claiming decisions are permanent. Get expert guidance to ensure you're maximizing benefits you've earned over your working lifetime.
Standby
Financial Advisor
Preparing your spouse for financial independence.
What happens if the spouse who handles all the money can no longer do so? This limited-scope service ensures that both spouses understand the family finances and that the non-controlling spouse gains the confidence to take charge when needed. This service helps couples prepare for the unthinkable while there's still time to learn and ask questions together.
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Are a married couple aged 60 to 75
Have one spouse who controls most or all financial matters
Want to ensure both spouses understand the family finances
Need the non-controlling spouse to gain confidence with money management
Want preparation without full financial planning complexity
What makes this different:
Limited scope focus on knowledge transfer and preparation
Both spouses participate in the education process
Practical, hands-on approach to financial organization
Builds confidence through understanding, not overwhelming detail
Ongoing annual check-ins to reinforce learning
Service includes: Two 90-minute virtual meetings per year covering financial inventory, education, and confidence-building guidelines
Fee: $450 per meeting
In the two 90-minute meetings per year (preferably virtual), we:
Locate & inventory all financial components of your situation.
Ensure the non-controlling spouse understands what and where everything is.
Establish broad guidelines as to how the non-controlling spouse will gain the confidence to take charge with guidance from JSFA professionals.
This isn't comprehensive financial planning – it's practical preparation to ensure your spouse can confidently manage your family's finances if needed.
Who I can help
I'm not the right advisor for everyone. After doing this work for over 30 years, here's the type of person for whom I can add the most value and assistance.
You're a widow/widower 55-75 years young
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I have devoted my career to helping newly single folks retire comfortably and on their own terms. I have a deep understanding of the challenges faced by successful, nice people before and after retirement and years of experience collaborating with them.
accumulated at least $2 million in assets
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Due to the high-touch, personalized nature of my services and my fee minimums, I am best equipped to help if you have accumulated at least $2 million in assets (excluding primary residence).
You value collaboration
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I do my best work with clients who like the idea of having an experienced partner–advisor to discuss ideas and collaborate with on your planning decisions.
You want to strike a balance
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We’re a good fit to work together if you want to balance living well today with feeling comfortable and confident about your future.
You value teamwork
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If you’re married, you want your spouse to be involved in the financial planning process.
If we mutually agree that it makes sense to work together, here's what I'll deliver:
Organization & Simplification, Proactive Service, Objective Advice, Encouragement, Informed Decisions, and a Thinking Partner.
Objective Advice
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Money is emotional and it touches virtually every facet of our lives. And this is exactly why it can be helpful to have an objective, 3rd party analyze your situation and assist with making more rational decisions when it comes to your money. And your life.
Organization & Simplification
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Money isn't always easy, but it should always be simple, if you ask me. That's why we'll spend time helping you get organized and simplify your financial matters as much as possible.
Proactive Service
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I work with a small, select group of clients. This allows me to be proactive in serving your needs. In addition to being available when you need something, I also regularly reach out to check in with you.
Encouragement
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Sometimes you might need a gentle nudge in the right direction. Other times, you might need some tough love. But in addition to accountability and encouragement, we also want to celebrate your "wins" along the way.
Informed Decisions
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Not only will I help you make smarter financial decisions, I'll also do my best to educate you on the choices you have and why I'm making a specific recommendation.
Thinking Partner
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I can't give you personalized advice until I've had a chance to really get to know you. And as we build this foundation of understanding and trust over time, I hope you'll consider me an interested and available "thinking partner" to help you work through anything you might be considering.