Because, like me, you’re ready to do things differently.

Through one-on-one engagement, purposeful conversations, holistic financial planning, transition coaching and practical education, I work to help you to truly understand what your money is doing. (And what it could do for you!)

I work best when I get to know you, your family, your values, your fears, your goals and dreams before I give any advice. I strive to provide practical, jargon-free advice that is tailored to your specific situation. In a judgment-free environment where it’s safe to explore all your options.

I’ve developed the ShiftApproach™ which is a repeatable, yet customized, framework that addresses (and challenges, when necessary) unhelpful money mindsets and helps guide you as you explore, define, clarify and plan the next chapter of your life — one that is aligned with your values, passions and purpose.

Plain and simple — I believe financial advice should be provided based on the complexity and needs of your situation, not on the value of your assets. You’ve worked hard to prepare for your future and you shouldn’t have to pay me a percentage of your nest egg to discover how to make your dreams a reality.

An ongoing engagement with me covers a broad range of financial planning topics, from cash flowing planning, spending /budgeting and insurance analysis, to tax planning, estate planning, charitable giving, education planning, and more.

It also covers the behavioral components of financial decisions. I help guide you through all the financial areas of your life while helping you avoid common mistakes that derail the best of intentions. I help you become the expert of your own financial future.

Plain and simple — No. There are many firms that manage assets — and many good reasons for delegating asset management to your advisor. However, if that’s what you’re looking for, then I am probably not a good fit for you.

During our work together, I will review your investments to provide asset allocation and investment recommendations. It’s then up to you to implement the recommendations.

Plain and simple – No. You simply need my fee and advice to be reasonable and valuable to your financial situation.

Our lives don’t stand still and neither will your financial plan. To be successful, your plan needs to be reviewed regularly and updated as your life, goals or desires change.

The true value of my services comes from getting to know and understand my clients and their values, beliefs, and passions — along with their money scripts. Only then can I help them craft the best plan for now and in the future.

If a one-time comprehensive financial plan is still what you want, I am happy to provide recommendations for advisors who provide project-based planning engagements.

You probably could. However, if you’re not already a financial expert, you may not want to spend the time it takes to gain the knowledge you’ll need to make prudent decisions for yourself and your family. Many people choose to work with a qualified professional, such as a fee-only CERTIFIED FINANCIAL PLANNER™, to free up time and energy for more meaningful experiences.

I recommend a low-cost, passive index approach to investing. I provide well-diversified asset allocation recommendations based on your ability to manage the ups and downs of the markets.

Markets are tricky and cannot be controlled. I believe in focusing on what you can control. And one of the biggest impact items you can control is the costs of investing.

Passive index funds are some of the lowest-cost investment options available that also provide the variety needed to build a well-diversified portfolio.

And research shows that even the best-performing mutual fund managers in one year are often not top performers the following year or over a three-to-five-year period. Add to that the higher costs for actively managed funds, and it becomes even more difficult to outperform the market over the long term when you pay for actively managed funds.

Good passive index funds have strong returns without the unnecessary costs of finding and paying for actively managed funds.

Plain and simple – I believe you shouldn’t need to call your financial advisor to understand your financial life. My goal is to educate you, free of industry jargon, so you become knowledgeable, intentional and confident in your financial decisions.

I am a CERTIFIED FINANCIAL PLANNER™ with over 10 years of financial planning experience. I’ve had the pleasure of assisting many different types of clients with a variety of needs and goals. I feel most helpful and fulfilled working with the 50-plus demographic as they plan and transition into their next life chapter.

I also have a bachelor’s degree in Mathematics from the University at Albany. I love numbers and I love solving problems!

Plain and simple — yes, you can terminate your agreement with me at any time. My clients typically pay me quarterly, in advance. I will refund you for whatever portion of the quarter remains.

I want our relationship to work for both of us. If we’re no longer a good fit for each other, for whatever reason, I want you find someone who is.

Plain and simple - To act as your fiduciary. I must always provide you prudent, competent financial advice that is in your best interest. Always.

Plain and simple – To be open, honest and willing to explore all possibilities.

Yes. Whenever you have a concern, want to discuss something, need a second opinion on a decision, or just want to say hello, feel free to call, email or schedule a time to meet.

Many people are comfortable paying a percentage of their portfolio every year to their financial advisor, yet hesitate at paying a fee for personal financial advisor.

I believe financial planning centered on you – your values, goals, and dreams, and not on your money is one of the most important contributors to your success over the long run. Making sound, prudent financial decisions that align with your values and goals can be more advantageous than chasing investment returns.