Financial Life Journeys

The firm provides discretionary investment management and financial planning to individual and high-net-worth clients as a solo independent advisory practice, overseeing roughly $6.5 million in discretionary assets across about two dozen client relationships. It requires a $200,000 account minimum and offers both comprehensive, ongoing planning engagements and limited-scope planning on an hourly basis.

Investment management emphasizes passive portfolios built from low-cost index mutual funds and ETFs, with asset allocation guided by a client-specific investment policy and informed by fundamental analysis for security selection. Financial planning follows the CFP Board process and a values-based approach, addressing cash flow, retirement, tax, insurance, estate and charitable planning and coordinating implementation when clients opt into managed accounts.

What distinguishes the firm is the principal’s substantive, ongoing role in nonprofit legacy and gift planning (the principal devotes approximately two-thirds of professional time to that external position), which brings particular experience in charitable and estate strategies while also limiting in-house capacity. As a small, discretionary-only practice with a relatively high account minimum and a written-plan delivery timeframe tied to refunds if not delivered within the stated period, the firm operates with a plan-centered, coordinated-advice focus that differs from larger or more transaction-focused peers.