Serving 0
Households Across
the Greater Chicago
Metro.
Retirement roadmaps, tax-efficient drawdown strategies, and estate transfer plans for households with $500K to $5M in investable assets — where generic advice costs real money.
$2.4B
ASSETS UNDER ADVISEMENT
96%
CLIENT RETENTION RATE
25 yrs
IN CHICAGO MARKET
A practice built on proof,
not promises.
Every figure below is verifiable. We publish our ADV Part 2A annually. The professionals who refer clients to us have read it — and so should you.
$0.0B
Assets Under Advisement
Across 1,247 active client households in the metro area
0%
Client Retention Rate
Measured over trailing 10 years — industry average is 78%
0+
Years in Chicago Market
Founded 2001. Three bear markets, two recessions, zero client losses to fraud
$0.0M
Average Client Portfolio
We specialize in the $500K–$5M band — not mass market, not ultra-HNWI
125 professionals who
already trust us with their clients.
We didn't build a referral network by handing out business cards. Every relationship in our network was earned over multiple client interactions — and every professional here has seen how we handle a difficult conversation.
Our Referral Network by Discipline
Board-certified practitioners across Cook, DuPage, and Lake counties. Average relationship: 11 years.
Specialists in business exits, inherited IRAs, and Roth conversion ladders. We speak their language.
Long-term care, survivorship life, and annuity experts we trust enough to put in front of clients.
Corporate plan administrators at 18 Chicago-area employers who refer departing executives.
Client Concentration by Neighborhood
Why this matters to you: When a client mentions they live in Winnetka or Hinsdale, we already know the three estate attorneys they've probably already spoken to — and we've worked with all of them.
The process your clients
will be able to explain
to their children.
We don't use proprietary black-box models. Every step of our methodology is documented, explainable, and reproducible. The referring professional always knows exactly where their client stands.
Download Our Advisor Collaboration GuideDiscovery & Diagnostic
We pull every number before the first real conversation. Tax returns, Social Security estimates, pension documents, existing investment statements. The client arrives to a meeting where we already know what questions matter.
Gap Analysis
We model the delta between where the client is and where they need to be — Monte Carlo simulations at 90% confidence, sequence-of-returns stress tests, and legacy shortfall calculations.
Tax-Efficient Drawdown Architecture
Roth conversion ladders, IRMAA cliff management, QCD strategies for charitable clients, and NUA elections for concentrated employer stock. The sequence of withdrawals is as important as the amount.
Estate Transfer Mapping
Beneficiary audit, titling review, trust funding verification, and coordination with your estate attorney. We don't draft documents — we make sure the ones you have actually work.
Implementation & Coordination
We coordinate the accountant, the attorney, the insurance agent, and the custodian so the client has one point of contact for what is inevitably a multi-professional project.
Annual Review & Recalibration
Markets change. Tax law changes. Life changes. Every plan is reviewed at least annually against updated assumptions, with a written variance report delivered to the client.
The clients you're trying
to place well.
We don't take every client who calls. We specialize in three situations where the financial complexity is real, the stakes are high, and the wrong advisor costs more than the right one earns.
Two incomes, two 401(k)s, one retirement date that actually works.
Approaching retirement with $800K–$2.5M spread across multiple accounts, deferred comp plans, and RSU vesting schedules. The complexity isn't in any single account — it's in coordinating all of them into a withdrawal sequence that minimizes tax drag across 30+ years.
- Coordinated drawdown across 6–8 account types
- Medicare IRMAA cliff management
- Social Security optimization (filing strategy)
- Employer stock NUA election analysis
One transaction. One chance to get the tax structure right.
Business owners in the 18–36 months before a planned exit need a financial planner who understands installment sales, QSBS exclusions, CRTs, and the difference between an asset sale and a stock sale. The liquidity event is the plan.
- Pre-exit Roth conversion runway
- QSBS exclusion qualification review
- Installment sale vs. lump sum modeling
- Post-liquidity investment policy statement
Inherited complexity. A partner who already knows the numbers.
Widows navigating inherited IRAs, step-up in basis decisions, and the sudden shift from joint income to single-filer tax brackets need a fiduciary who moves at their pace — not a product sale. We specialize in the 12-month window when every decision matters most.
- Inherited IRA distribution planning
- Step-up in basis asset identification
- Single-filer tax bracket recalibration
- Beneficiary designation audit
The introduction your
clients have been
waiting for.
We work exclusively on a referral basis. If your clients are sitting on complexity you don't specialize in — retirement income sequencing, estate coordination, post-liquidity planning — this is a 30-minute conversation that earns its time back.
What the Partnership Looks Like
30-minute firm introduction
We walk through our planning methodology, show you our ADV, and answer every question you have about how we handle difficult client situations.
You stay in the loop
When you refer a client, you receive a summary of every planning deliverable. No black box. Your client remains your client — we're the specialist you brought in.
Co-client meetings available
For complex situations, we welcome joint meetings. The client sees a coordinated team, not a handoff.
Annual referral review
Once a year we sit down with our referral partners and review outcomes. If a client's situation has changed, you'll know before they call you.
Not ready to meet yet?
Download our Advisor Collaboration Guide — 14 pages covering our planning methodology, sample deliverables, and what we need from the referring professional.
Download Collaboration Guide (PDF)Schedule a Firm Introduction
30 minutes. No pitch. Just a professional conversation about whether this partnership makes sense.