• How are you different from a big firm, a bank, or a robo-advisor?

    A robo-advisor gives you an automated portfolio and little else. A bank or a large national brokerage firm often means a rotating team and getting passed between departments. I am one person who knows your whole situation, takes on a deliberately small number of families, and stays with you through the decisions that actually matter. I also spent years inside the large firms, so I know what they do well and where they leave people on their own.

  • Are you independent, and what does LPL Financial have to do with it?

    Yes, I run my own independent practice, not as an employee of a large firm steering me toward its own products. LPL Financial is the independent broker-dealer and custodian that holds client accounts and handles the trading and back-end compliance, which is standard in my world. The advice and the relationship are mine. The plumbing runs through LPL.

  • Are you taking new clients?

    Yes, a small number each year. I keep the practice deliberately small so everyone gets real attention, which means I take on new families selectively and only when the fit is right. The first conversation is where we find out.

  • How often will we talk?

    As often as your situation calls for, and never on a script. We review things on a regular schedule, and more when something changes: a job move, a sale, a loss in the family, a shift in the markets. You will not hear from me only when there is something to sell. This is an ongoing relationship, which is the whole reason I keep the practice small.

  • Do you specialize in working with women navigating a transition?

    Yes. A large part of my practice is women suddenly handling money decisions on their own, after an inheritance, a divorce, or the loss of a spouse, often for the first time. I move at a pace that lets you understand and own the decisions rather than feel rushed through them.

  • What is the widow's penalty, and can you help with it?

    After a spouse dies, the survivor often shifts from filing jointly to filing single the next year, which can mean a higher tax rate on the same income and higher Medicare costs. It blindsides people at an already hard time. Planning ahead can soften it, and it is exactly the kind of thing I watch for.

  • Do you work with executives who have complex equity compensation?

    Yes, it is one of my core areas. If a large part of your net worth is tied up in company stock, options, restricted units, or deferred compensation, I help you manage the concentration, the tax timing, and the rules about when you can sell. My clients span tech, consumer, and pharmaceutical companies. The industry varies, the equity problem does not.

  • Too much of my wealth is in one company's stock. What can I do?

    One of the most common situations I handle. We reduce that concentration on a schedule that manages the tax hit instead of getting ambushed by it, and for people under trading restrictions, that often means a structured selling plan set up in advance. The goal is to protect what you built without a surprise tax bill.

  • Do you help business owners preparing to sell?

    Yes. I have hands-on experience in the exit process, working alongside investment bankers and attorneys through valuation, deal structure, and the tax and estate work that has to happen before a sale rather than after. I take on a small number of owners deliberately, and the most valuable time to start is years before any deal, while the decisions that shape the outcome are still open.