1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
1926 E. Fort Lowell Rd Suite 100
Tucson, AZ 85719
Contact Us
Mon - Thurs: 9:00 - 5:00 AZ
Fri: 9:00 - 3:00 AZ
Most retirement plans fail because they're built backwards
Your current advisor probably started with investments, added some projections, and called it a plan. That’s why 70% of people worry they’ll run out of money despite having “professional” guidance.
We start with a different question: What does your actual life cost, and what will it cost tomorrow?
Everything else—investments, taxes, Social Security timing, insurance—flows from that reality. Not from generic assumptions about what retirees “should” spend or what the market “should” return.
Fee-Based Fiduciary
20+ Years in Tucson
Tucson-Based
Transparent Fees
The Problem Everyone Ignores
Walk into most advisory firms and they’ll show you Monte Carlo simulations, efficient frontiers, and glossy portfolio reports. What they won’t show you is why their client called last week panicking about money despite having a “97% probability of success.”
Here’s what’s actually happening:
The plan assumed 6% returns. The portfolio was built for 3%.
The plan ignored taxes. The withdrawals triggered massive tax bills.
The plan used national averages. You live in Tucson.
The plan was “set and forget.” Your life isn’t.
This disconnect between planning and reality is why people with substantial assets still lose sleep about money. The math might work on paper, but it doesn’t work in your kitchen at 2 AM when you’re wondering if you can afford to retire.
The Spending Reality Audit
Before we touch a single investment, we figure out what your life actually costs. Not what budgeting apps say it should cost. Not what other retirees spend. What YOU spend, on YOUR life, in YOUR town.
We dig into Tucson-specific costs: healthcare (significantly lower than coastal areas), housing (property taxes, maintenance, cooling costs), transportation patterns for snowbirds, and the things that matter to you specifically.
This becomes your baseline. Everything else serves this reality.
The Investment Alignment
Once we know what you need, we build a portfolio designed to deliver it. Not maximum returns. Not minimum risk. The specific outcome your life requires.
If your spending needs only require 4% growth, we don’t chase 8% and risk everything in a market crash. If you need 6% to make your goals work, we don’t hide in bonds earning 2% and pretend that’s “safe.”
The portfolio serves the plan, not the other way around.
The Tax Coordinate System
Arizona’s 2.5% flat income tax creates unique opportunities most advisors miss. We map out withdrawal sequences that minimize your lifetime tax bill, not just this year’s. We identify Roth conversion windows, manage Medicare premium thresholds, and coordinate with your CPA so nothing falls through cracks.
Taxes aren’t an afterthought—they’re integrated into every recommendation from day one.
The Life Happens Protocol
Plans change because life changes. Job loss, inheritance, health scares, market crashes, kids needing help, dreams evolving. We build flexibility into the foundation so adjustments don’t require starting over.
You get decision rules: “If this happens, do that.” Not vague promises that we’ll “monitor things.”
Month 1: The Real Conversation
Three meetings focused entirely on understanding your actual situation. No sales pitches. No generic questionnaires. Just conversations about what matters to you and what your life actually costs.
Month 2: The Architecture
We design your financial structure: how assets should be titled, where money should live, what account types serve your timeline, how taxes flow through everything. You see the blueprint before any money moves.
Month 3: Implementation and Education
We execute the plan and teach you how it works. You understand not just what we’re doing, but why, and what to expect. You leave knowing exactly how to make decisions when we’re not in the room.
Check-ins during major market moves. Ongoing plan reviews. Immediate attention when life throws curveballs. Your plan stays aligned with your reality, not stuck in outdated assumptions.
Same advisor, every time
No shuffling between team members who don’t know your story.
Fiduciary obligation
We’re legally required to put your interests first, not sell products.
Tucson expertise
We understand snowbird residency rules, local healthcare systems, Arizona tax advantages, and regional cost structures.
Math-first approach
Recommendations based on your numbers, not industry sales targets.
Flexible implementation.
We avoid products that lock you in or limit future options.
Educational focus
You understand your plan well enough to make good decisions independently.
“I have money but don’t know if it’s enough”
We calculate your real spending needs and show you exactly where you stand. No generic 4% rules or oversimplified assumptions.
“My current advisor just sells me stuff”
We audit your existing setup, identify gaps and overlaps, and show you what aligned planning actually looks like.
“My spouse and I disagree about money”
We facilitate conversations using actual numbers instead of fears or assumptions. Data clarifies most disagreements.
“I want to help my kids but not hurt my retirement”
We model different support scenarios so you can be generous without jeopardizing your security.
We don’t charge for the planning process—that’s included when you engage us for ongoing management. Our annual fee is based on the total assets under management, taking into account account size and complexity. All fees are disclosed upfront in writing.
Only if it serves your goals better than your current setup. We’ll tell you honestly whether changes would help or hurt.
We typically charge a percentage-based fee on assets under management (AUM). We don’t usually charge separate planning fees. In rare cases, if an insurance product is recommended and implemented, we may receive a commission related to that product.
Initially: Weekly for the first phase until we can deploy your strategy. Ongoing: typically annually, plus additional meetings when life changes or markets move significantly.
We can work with your existing team or provide a second opinion. Many people discover their current setup has significant gaps once they see comprehensive planning.
Schedule your reality check call. We’ll spend 30 minutes understanding your situation and showing you what aligned planning would look like for your specific circumstances.
No generic presentations. No product pitches. Just an honest assessment of where you stand and what options make sense.
Most people discover at least one significant planning opportunity, whether we work together or not.
