Services
Three pillars. One integrated relationship.
Most of our clients hire us to coordinate the parts of their financial lives that usually live in different places — investments, retirement income, and protection — under one roof, with one advisor.
The core of our practice. Most of our clients are within five years of retirement on either side, and the central question is the same: will the money last, and will it feel okay along the way?
We work through the question methodically. Social Security claiming strategy. Pension elections, if you have one. A short-term reserve large enough that you'll never be forced to sell long-term assets at the wrong moment. A long-term portfolio that you don't have to touch. And, where they earn their place, annuities — to protect against longevity and to lower the emotional stakes of the rest of the plan.
The result is a written income plan you can hold in your hand. Not a projection. A plan.
Example. A 62-year-old couple, both retired, with $2.3M across three accounts and questions about when to take Social Security and whether to consolidate a former employer's annuity. The plan: delay one Social Security claim to 70 to maximize survivor income; consolidate the annuity into the current advisory program with a clearer fee profile; carve out two years of essential spending into a short-term reserve. Reviewed every quarter. Outcome: the same money, with a meaningfully clearer path through the next thirty years.
Portfolios designed for long horizons, built around discipline and cost-awareness. We don't run a different portfolio for every client; we run a small number of portfolios well, with allocation customized to your goals, tax situation, and risk profile.
What that means in practice: globally-diversified equity exposure for growth, high-quality fixed income for stability, an explicit role for cash and short-term reserves, and a tax-aware approach to where each asset is held. We watch costs, both visible (expense ratios, advisory fees) and invisible (turnover, tax drag). We rebalance on a schedule, not on a hunch.
We have no view that the future will resemble any specific past, and no faith that any prediction will be reliably right. We do believe that markets reward patient capital, and that the investor who refuses to time them while keeping costs and behavior under control captures most of that reward.
Protection where it actually fits the plan — not as a product to sell, but as a tool to use. Sometimes life insurance is the right answer. Sometimes it isn't. Anyone who tells you otherwise from the first conversation is selling, not advising.
We review what you already have. We compare it against what your plan actually requires. We coordinate beneficiary designations across accounts, contracts, and estate documents. We talk through the long-term care question — the largest unfunded liability for most affluent retirees — and walk through the alternatives.
For business owners and family-business households, we coordinate succession-friendly planning with your attorney and accountant: buy-sell funding, key-person coverage, charitable strategies, and the ordinary work of getting beneficiary names right on every document that names one.
A note on fees
What you'll pay, and what for.
Bruce is compensated through a combination of asset-based advisory fees on managed accounts, commissions on insurance products, and one-time planning fees for engagements that don't fit a managed-account structure.
Specific fees are disclosed before any engagement begins and detailed in LPL Financial's Form ADV Part 2A and Customer Relationship Summary (Form CRS), both of which are available on this site and on LPL Financial's website. You can also verify Bruce's registration on FINRA BrokerCheck.
Our preference is transparency about both. There are no fees you discover later in a statement footnote.
A short conversation is the best way to see whether we're a fit.
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