Planning.
Beyond the portfolio: pension maximization, insurance, long-term care, educator and federal pensions, estate and tax — every area coordinated under the CFP Board 7-step framework.
What are your goals — and when do you need the money?
Every page in this section orbits those two questions. No matter what the goal is, reaching it takes ongoing strategy and preparation — so we build integrated strategies specific to your situation, whether you’re just starting out or planning the retirement you’ve always pictured.
Goals first, then the timeline. Start with the one-page version, or see the seven-step process every plan runs through.
Capital Wealth · PlanningThe plan decides which risks you can afford. The books decide how we carry them.
The market side of the practice runs one theme — where we think the market is headed into 2027, built from our daily read of the Journal, the economic cycle, and the eight risks of the Atlas. The planning side is the other half: which of those eight risks your plan is actually exposed to — sequence of returns, long-term care, the survivor election — and what covers each one.
CalSTRS / CalPERS403(b) for California educators2%-at-60 vs 2%-at-62 age-factor tables, CalPERS tiers, and the supplemental strategy that closes the pension gap.Open →
Private Sector401(k) essentials2026 limits, the match, Traditional vs Roth, and the four rollover options when you change jobs.Open →
Business OwnersCash balance & defined-benefit plansThe high-contribution overlay for practices and owners with strong cash flow.Open →
Public SafetyPolice, fire & county safety pensionsSafety-tier formulas, DROP decisions, and the survivor elections that matter most.Open →
FederalFederal, postal & nursesFERS, TSP, and the special-category rules — entity by entity, plan by plan.Open →
ExplainerSequence of returnsWhy the order of returns matters more than the average once withdrawals start — in one picture.Open →
InsuranceFive types of life insurance, comparedTerm, Whole Life, UL, IUL and VUL side by side — with the honest trade-offs.Open →
Long-Term CareThe retirement risk no one plans for70% of retirees need LTC and Medicare doesn’t pay for it. How a chronic-illness rider solves it.Open →
HealthMedicare & retiree healthParts A–D, IRMAA brackets, and the gap-year problem for early retirees.Open →
WithdrawalsTax-efficient withdrawal orderingTaxable, tax-deferred, Roth — the sequencing that stretches a nest egg years further.Open →
ReferenceThe 2026 tax guideBrackets, retirement limits, SALT caps, CalSTRS/CalPERS guidance — in plain English.Open →
RothRoth IRA & the Super RothWith the national debt at $36T, the historical case that tax rates rise from here — and why paying tax at today’s rates beats deferring to tomorrow’s.Open →
Oil & GasOperators, royalty owners & executivesWorking interest vs royalty vs services, the IDC deduction, 15% depletion, and concentration risk.Open →
Cross-BorderCanadians in the U.S.The 1980 treaty, RRSP / 401(k) interaction, FIRPTA real estate, and non-resident accounts.Open →
ValuesFaith-based investingBiblically responsible, Halal / Sharia-compliant, and Jewish-values portfolios — conviction investing that honors what you believe, screened without giving up the growth.Open →
Every page above runs through the same seven steps — the CFP Board’s practice standard, translated on one page. It’s why the pension election, the insurance layer and the withdrawal order come out of one plan instead of three conversations.
Fifteen minutes, one conversation.
We map your holdings, risk tolerance and goals to a strategy built for this market — and tell you honestly which of these pages actually applies to you.
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