About My Clients

My clients are individuals, families, married and unmarried couples. The brief stories below reflect the experiences of actual clients with fictitious names.

Mary works for the city and her partner Audrey is a school teacher. Both have pensions and Mary was considering retiring in three years, at age 59. Through the planning process, Mary realized that she and Audrey were likely to be much more secure financially if she worked a few more years. Her pension could be up to 20% higher, she could have up to $75,000 more in her 401(k) plan, and she could get a higher payment from social security. Both Mary and Audrey were excited to open an FDIC insured high-yield savings account at a community development bank for their emergency fund.

Joanne travels extensively to developing countries for her public health job. Neither she nor her husband has the time or inclination to research mutual funds or manage her investments.  Joanne does not want her investments to contribute to the kinds of problems she addresses every day in her professional life. She now has a portfolio of socially responsible mutual funds tailored to both her risk tolerance and her social criteria.

Phil’s employer does not provide a retirement account, Ellen is a self-employed consultant, and neither of them was making systematic tax-deferred contributions to retirement accounts. Through the planning process they realized that they were paying significantly more in taxes than needed, and missing out on a critical opportunity to save tax-deferred for retirement. Ellen rolled her 403(b) accounts from prior employers into a new SEP comprised of socially responsible mutual funds, and began contributing. Phil and Ellen’s plan also helped them realize that they should have more disability and life insurance on Phil. They began working with a reliable insurance broker to address their insurance needs.

Get started with financial planning

Get started with investment management