What Clients Say
We are small
But manage
$1 Billion
Mike Milam
Senior Partner
Sam Croucher
Investment Analyst
David Barr
Wealth Strategies
Christian Johnson
Operations Director
Sarah Wong
Operations
What We Offer You
We are not your CPA. But we look at your full financial picture to suggest new strategies to your CPA as they work to cut your taxes.
We are easy to reach & quick to respond. We give you solutions. Using our trusted specialists, when needed. We offer secure storage of important documents.
We are easy to reach & quick to respond. We give you solutions. Using our trusted specialists, when needed. We offer secure storage of important documents.
Our planning process is simple. We listen, analyze your documents, build a clear plan & typically meet every 90 days, to review success or make changes
Enrolling in Medicare late can be costly. We coordinate with a licensed insurance professional to help you review your options & understand the timing rules.
Claiming at ages 62, 67 or later can lead to very different wealth outcomes. We help you review the tradeoffs & what they may mean over time.
Education costs add up fast. We help you build a clear savings plan so future learning stays on track.
For Our Business Owners
From business income to retirement accounts, self-employed planning has its own playbook. We help you understand the choices & coordinate with your CPA.
Many owners expect to sell their business for retirement, but that price is uncertain. We help you build personal financial security outside the business as you go.
Mixing business & personal money can put your family at risk. We add structure & work with your CPA so S Corp pay and distributions follow the rules.
Growing wealth as a business owner takes more than strong profits. We help you bolster investments, reduce risk & plan so your personal finances aren’t held hostage by your business.
Every owner faces financial risk. We help you plan for personal stability and coordinate insurance reviews, so surprises do not become financial disasters.
Life does not always follow the business plan. We help you explore advanced insurance tools that may help protect partners, key people & ownership when the unexpected happens.
Your business may be your largest asset. Succession planning helps clarify who takes over and how value is preserved for your family, partners, or key employees.
Investing For You
As an independent firm we manage your wealth with no corporate agenda. We typically meet every 90 days & educate you so you can confidently co-pilot key decisions.
We help clients separate strong feelings about politics from the simpler dynamics of what actually drives stock markets – like the ever-increasing profitability of corporate America.
Growth or stability. Every portfolio needs both. Stocks deliver long term lift, bonds smooth the journey. We help match your mix to your timeline and comfort
Time in the market drives outcomes. Longer horizons give growth and compounding more room to work. Shorter timelines need added stability and a more careful approach.
Clients ask this question more than any other. We help answer it and explain how behavior and events can shift that answer. Peace of mind matters most.
Get Your Wishes In Writing
This is essential. You must name who can access your accounts & make medical decisions if you are incapacitated. Being your spouse may not be enough.
Retirement accounts & insurance are inherited by the beneficiary named on them, not by will or trust. These designations are a core pillar of your estate plan & important to keep current.
Probate in California can take months and cost thousands in court fees. A living trust may help your heirs avoid delays, expenses, and uncertainty during an already difficult time.
A living trust allows you to protect your assets, direct their future use, and help heirs avoid the delays and expense of probate after your death.
A will outlines your wishes, but it does not avoid probate, delays or court costs. Additional planning is often needed to protect privacy and speed the transfer of assets.
When multiple heirs inherit property without clear structure, outside parties may force a sale. We help families transfer real estate smoothly & avoid costly surprises.
Long term care is expensive. Medicaid might help, but only if your assets are structured correctly.
Planning early protects options, before lookback rules limit what you can do.
We offer a workbook built around 10 essential family conversations to help prepare heirs, clarify roles, pass on values, and support a smoother, more confident transfer of wealth.