Financial LifeMaps

The firm provides comprehensive financial planning and investment advice to individuals and trustees, typically working with clients who meet a minimum net‑worth threshold (commonly between $500,000 and $2,000,000 for accepted clients). Services are offered as hourly consulting projects or as ongoing multi‑year fixed‑fee engagements built around a personalized LifeMap model that tracks financial milestones and metrics.

Investment guidance emphasizes long‑term, fundamentals‑based strategies with an emphasis on asset allocation and low‑cost, no‑load mutual funds and ETFs held with a buy‑and‑hold orientation; tactical adjustments and periodic monitoring are integrated into the LifeMap process. The adviser delivers recommendations and reviews but does not custody assets or accept discretionary trading authority, so clients maintain their own custodians and execute trades.

Distinctive aspects include the firm’s fee structure and service model: it does not provide portfolio management or discretionary account management for individual clients and does not charge percentage‑of‑assets (AUM) fees, instead using hourly rates or fixed annual retainers (with documented inflation adjustments). The practice is a small, single‑adviser operation that limits its client roster, produces individually authored reports, meets with clients several times a year, and centers planning around its bespoke LifeMap modeling approach.