Independent counsel for US households across equities, ETFs, tax-advantaged accounts, real assets — and a decade of on-book crypto trading. Fee-only. Fiduciary. Nothing to sell.
One advisor, one fee, one written plan — covering four core pillars of a US household balance sheet.
Active trader since the early Bitcoin years — through three bear markets and four halving cycles. Spot and derivatives across BTC, ETH and a curated long-tail. Risk-first, position-sized, rule-bound — not speculative. US tax-aware exits and wash-sale planning.
Bottom-up US equity research with a bias toward durable compounders and low-cost index exposure. Concentration where it earns it, index funds everywhere else.
Maximize 401(k), traditional and Roth IRA, HSA, and 529 — in the right order, with the right asset location. Roth conversion ladders built to survive market cycles.
REITs, commodities, Treasury Inflation-Protected Securities (TIPS), and gold — used as instruments, not defaults. The portfolio earns the holding, not the other way around.
Most "advice" in the US is sales. I am not a broker-dealer, I hold no FINRA license to sell products, and I do not earn a dollar when you buy a fund, a policy, or a stock. The retainer is the retainer. The plan is the plan.
A 30-minute conversation about your goals, family, income, and what you already hold. No pitch, no product.
A written read of your brokerage accounts, 401(k), insurance policies, and tax situation. We name what to keep, consolidate, or exit.
A multi-asset plan across equities, fixed income, real assets, crypto, and protection — written in plain English with numbers, not jargon.
Quarterly review calls, year-end tax-loss harvesting and Roth conversion planning, and ad-hoc support when markets or life change.
Flat fees, written contracts, no kickbacks. The retainer is the retainer.
Single-pass review of your full balance sheet, brokerage accounts, 401(k)/IRA holdings, and tax posture. Written report within 10 business days.
Request audit →Audit plus written allocation plan, quarterly reviews, year-end tax-loss harvesting, Roth conversion planning, and ad-hoc calls. Most clients land here.
Request engagement →For active equity and crypto traders. Over-the-shoulder reviews, position sizing, tax-aware exit planning, and a shared written risk framework.
Request trader desk →I work as an independent fee-only counsel. Credentials, registrations, and disclosures are shared in full on the first call. I act in a fiduciary capacity — your interest comes first, always.
No. Your brokerage, 401(k), and bank accounts stay yours. I advise; you execute. For active traders I also offer over-the-shoulder position review sessions.
A flat fee based on engagement scope — never a percentage of your portfolio. $799 audit one-time, $2,999 annual engagement, $9,999 trader desk. No hidden charges.
Yes. Most first engagements begin with emergency fund sizing, maxing a 401(k), and opening a Roth IRA — long before we discuss individual stocks or crypto.
Email or call the number below. I reply within one business day and we schedule a 30‑minute discovery call — no obligation, no pitch, no product to sell.