Comprehensive financial services
Discover our full range of wealth management and financial planning services designed to secure your financial future with military precision and fiduciary care.
Retirement Income PlanninG
Transform your retirement savings into a reliable income stream that lasts
Retirement is a major life transition that deserves careful planning and expert guidance. That's why we created the VIP Retirement Glidepath™, our proprietary step-by-step process designed to help you prepare for retirement and everything that comes afterward.
We start by getting to know you—your background, your goals, and what matters most to you. Then, we work together to create a comprehensive plan that covers all the critical components of a successful retirement.
Our process is straightforward, organized, and built on proven strategies, so you can feel confident and in control at every stage of your retirement journey. Whether you're decades away from retirement or ready to make the transition, we provide the clarity and structure you need to move forward with confidence.
The VIP Retirement Glidepath™ Advantage
Our proprietary system addresses every aspect of retirement planning in a logical sequence, ensuring nothing falls through the cracks. From income optimization to healthcare costs, we've got you covered.
Key Benefits
✔ Flexible income strategies
✔ Social Security optimization
✔ Tax-efficient withdrawal strategies
✔ Healthcare cost planning
✔ Legacy planning integration
✔ Inflation protection strategies
✔ Long-term care considerations
Our “Smart” VIP Retirement Glidepath™ Process
-
Sources of Income and Savings Analysis
-
Medical & Healthcare Planning
-
Advanced Planning: Estate and charitable Giving
-
Risk Management
-
Tax Strategies
Investment Planning, Strategy, and Execution
Professional portfolio management with our proprietary VIP Portfolios
Smart investing is a cornerstone of building wealth and achieving your long-term financial goals. Our investment planning goes beyond simply picking stocks or funds—we use our proprietary VIP Portfolios, custom investment models designed to fit your unique needs and risk tolerance.
Whether your money is in an IRA, 401(k), brokerage account, inheritance, or a recent rollover, we build and manage your investments using a careful, systematic process. Our goal is to provide broad diversification, professional guidance, and a strategy you can count on as markets change over time.
With our experience and customized VIP Portfolios, you can feel confident that your investments are working as hard as you do—always focused on helping you move closer to your financial future.
investment advantages
✔ Proprietary VIP Portfolio models
✔ Professional portfolio management
✔ Broad diversification strategies
✔ Risk-adjusted returns focus
✔ Tax-efficient investing
✔ Regular rebalancing
✔ Performance monitoring & reporting
Our Investment Management Process
-
Risk Assessment
Determine your risk tolerance and investment timeline
-
Portfolio Design
Create custom VIP Portfolio aligned with your goals
-
Implementation
Execute investment strategy across all account types
-
Monitoring
Ongoing performance tracking and market analysis
Tax Planning & PreparatioN
Strategic tax optimization integrated into every financial decision
Tax planning is a critical component of your financial success, and we're here to make it strategic and effective. As an Accredited Tax Preparer, Patrick includes periodic tax planning as part of every comprehensive financial plan because it plays such an important role in your overall financial picture.
Tax planning means we review your tax return carefully to identify smart strategies—both now and for the future—to help you minimize the amount you pay in taxes. Since your tax return is unique, we look for specific opportunities that can help with retirement account contributions, charitable giving, investment strategies, and tax credit optimization.
No matter your income level or where it comes from, almost anyone who pays taxes can benefit from strategic tax planning. We handle the complex analysis so you can feel confident, prepared, and in control of your financial future.
Year-round tax strategy
Unlike typical tax preparation that only looks backward, our approach integrates tax planning throughout the year, allowing us to identify opportunities and implement strategies before December 31st.
Tax planning benefits
✔ Annual tax return analysis
✔ Tax-loss harvesting strategies
✔ Retirement account optimization
✔ Charitable giving tax benefits
✔ Tax-efficient investment placement
✔ Roth conversion strategies
✔ Trust asset management
Comprehensive Financial Planning
Strategic tax optimization integrated into every financial decision
Financial planning is about more than just numbers—it's about seeing the full picture and knowing the right steps to take. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Patrick created the Check Six Client Discovery System™ to give you a clear and confident plan for your financial future.
"Check six!" is an aviation phrase for looking behind you and making sure no risks are sneaking up. In financial planning, it's just as important to have that complete view. That's why we've developed a comprehensive series of surveys and questions to better understand your goals, challenges, and preferences.
This trademarked process helps us take complicated or unclear financial issues and turn them into specific, well-defined answers and actionable next steps. You'll gain greater awareness, smarter organization, and a plan you can trust to guide you forward.
planning components
✔ Comprehensive goal setting
✔ Cash flow analysis
✔ Debt management strategies
✔ Education funding planning
✔ Insurance needs analysis
✔ Retirement readiness assessment
✔ Estate planning coordination
Check Six Client Discovery System™
-
Introductory Discussion
Review of your financial situation and big picture goals
-
Survey Sequence
A deeper dive into your mission, vision, values and fears when it comes to money: All at your pace
-
Analysis
Review of results and discussion of how they may or may not affect your overall financial plan
-
Implementation
Execute strategies with clear action steps and timelines
Healthcare & Medicare Planning
Navigate healthcare costs and Medicare with confidence
Planning for healthcare is a major component of a successful retirement, and we're here to guide you every step of the way. Healthcare costs continue to rise, making it essential to have a comprehensive strategy that protects both your health and your wealth. If your financial plan doesn't include a line item for healthcare costs, it needs a serious overhaul.
We help you understand your Medicare options, including when and how to enroll, what each part covers, and the differences between available plans. We'll walk you through your choices and help you compare plans so you can find the right fit for your needs and budget.
We also explore long-term care insurance options, which can help protect your savings and ensure access to quality care if you need assistance with daily living as you age. By planning ahead, you can feel confident that your healthcare—and your finances—are protected throughout retirement.
Healthcare planning services
✔ Medicare enrollment guidance
✔ Plan comparison and selection
✔ Long-term care insurance analysis
✔ Healthcare cost budgeting
✔ HSA optimization strategies
✔ Supplemental insurance evaluation
✔ Care coordination planning
Estate & Legacy Planning
Protect your legacy and maximize your impact
Estate planning is about more than just writing a will—it's about making sure every detail of your wishes is thoughtfully planned and carried out. We know this process can seem complex, which is why we work closely with experienced estate planning providers, or happily collaborate with your existing professionals.
As part of your overall strategy, we help you determine if life insurance is right for your situation, whether it's protecting family members, covering estate taxes, or leaving a legacy. Patrick's training as a Chartered Advisor in Philanthropy (CAP®) means he's prepared to help you design charitable giving strategies—like planned gifts, donor-advised funds, or family foundations—that reflect your values and maximize impact.
By working together on these important pieces, our goal is to simplify estate planning and ensure your family, your finances, and your causes are protected and honored, both now and in the future.
Chartered Advisor in Philanthropy (CAP®)
A Chartered Advisor in Philanthropy (CAP®) specializes in integrating your charitable giving goals with your overall estate plan, helping you align your legacy with the causes that matter most to you. By coordinating strategies for planned gifts, trusts, and family foundations, we ensure that your philanthropy is thoughtfully structured, tax-efficient, and fully reflects your values within your estate planning.
Estate Planning Elements
✔ Estate planning coordination
✔ Life insurance analysis
✔ Charitable giving strategies
✔ Trust and foundation planning
✔ Beneficiary optimization
✔ Trust asset management
✔ Legacy planning design
Professional credentials & recognition
-
CERTIFIED FINANCIAL PLANNER™ (CFP®)
-
Chartered Advisor in Philanthropy® (CAP®)
-
Accredited Tax Preparer (ATP)
-
Author of Three Financial Books
-
Former U.S. Naval Flight Officer
Risk Management & Asset Protection
Managing risk is a crucial part of building and protecting your wealth. That's why we've partnered with TIFIN Wealth, a leading technology platform that gives us advanced tools to help understand your goals, measure your unique tolerance for risk, and ensure your investments align with your needs.
With TIFIN Wealth's in-depth assessments, we can quickly create personalized proposals and adjust your portfolio so you're not taking on more risk than you're comfortable with—especially as markets change. We also customize a variety of asset protection strategies, such as fixed annuities and indexed annuities, to add more stability and security to your financial plan.
Together, these strategies help shield your money from unexpected events, so you can feel more confident about your financial future.
Advanced technology and strategies to protect your wealth
Risk Management Tools
✔ TIFIN Wealth risk assessment
✔ Portfolio stress testing
✔ Fixed and indexed annuities
✔ Insurance needs analysis
✔ Asset protection strategies
✔ Diversification optimization
✔ Market volatility planning
Ready to Secure Your Financial Future?
Schedule a complimentary VIP consultation to discuss how our comprehensive services can help you achieve your financial goals with confidence and peace of mind.