A plan for every dollar.
Every portfolio we manage starts with a written plan built around your goals. The investments serve the plan, not the other way around.
Simple enough to explain at the dinner table.
Most people don't need more financial products. They need someone to look at everything together, decide what each dollar is for, and keep it pointed in the right direction for years.
That is the job we do. Four steps, repeated for as long as you're with us, with the whole team behind your plan.
Plan first.
Then invest.
Every portfolio we manage starts with a written plan built around your goals. The investments serve the plan, not the other way around.
- 01
Discover
We start by listening. What you want your money to do, who depends on it, how you feel about risk, and when you'll need it.
- 02
Plan
We build a plan tailored to those goals, covering retirement income, taxes, estate and gifting, insurance and education savings.
- 03
Invest
We match your investments to where you are in life. Building wealth and living on wealth call for different portfolios, so we manage them differently.
- 04
Monitor & serve
We watch your portfolio inside TMB's models, rebalance when it drifts, and handle the money movement your life requires. You hear from us before you have to ask.
Building wealth and living on it are different jobs.
So we manage them with different portfolios. When you move from saving to spending, your investments change with you.
While you're building
Time is on your side. The goal is long-term growth, with taxes and costs kept in check along the way.
- Total return investing
- Dividends reinvested
- Tax-loss harvesting when it helps
- Broad diversification and regular rebalancing
While you're living on it
Now the goal is a dependable paycheck from your savings, and a plan that holds up when markets don't.
- A cash flow reserve for near-term spending
- Lower volatility
- Tax-aware withdrawals across accounts
- Broad diversification and regular rebalancing
Strategies are described for illustration. Portfolios are tailored to each client's plan, and no strategy assures a profit or protects against loss.
Navigating wealth.
Preserving legacy.
As wealth grows, so does the number of people involved: CPAs, attorneys, bankers, insurance agents, trustees. We coordinate all of them around one plan, working with vetted specialists where it serves your family.
Wealth management
Portfolios built from TMB's core models and tailored to your plan, managed with a long-term view.
Select any part of the wheel.
Is your money in too many places?
Old 401(k)s, an IRA from years ago, a brokerage account, CDs at the bank. It adds up, and it gets hard to see the whole picture. Answer three questions and we'll show you what we'd look at first.
Let's start with a conversation.
Thirty minutes, no obligation. Meet at our office on the river or by video.