I provide fee-only financial planning and financial coaching focused on retirement income planning, Social Security Strategies, and long-term financial independence.

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• Debt & Cash Flow Strategy

  • Budgeting — Gain control of your cash flow and make your money work for you.

  • Managing and reducing debt — Develop a clear strategy to eliminate debt and reclaim your financial freedom.

  • Improving your Credit Score (see articles here and here)

• Retirement Planning

  • Planning and saving for retirement — Design a roadmap to a secure and fulfilling retirement.

  • Retirement income planning (creating a reliable retirement paycheck) — Establish a sustainable income stream for your retirement years, providing peace of mind. (See articles here, here, here, and here)

  • Social Security Claiming Strategies — Choose when to claim Social Security based on your unique circumstances. (See article here)

  • Income Bridging Strategies to delay claiming Social Security without sacrificing quality of life in early retirement..

  • Should you invest in Roth or Traditional IRA/401(k)/403(b)?

  • Roth Conversion Strategies -- When should you convert and when should you not convert from traditional to Roth?

  • Asset Location Strategies -- Reducing taxes through proper asset location

  • Account Withdrawal Strategies -- Best withdrawal sequence for retirement accounts.  Will you run out of money?

  • Financial planning for U.S. expats and retirees overseas

  • Working with a virtual financial advisor from anywhere in the U.S. or abroad

  • Retiring overseas — Learn how and where you can live well for less.

• Legacy Planning

  • Estate planning — Ensure you have the basic estate planning tools in place.

  • Giving generously — Align your giving with your values, making a lasting impact and possibly saving on your taxes at the same time.

• Saving for college — Create a smart plan to fund your children’s education without sacrificing your own future.