Protect What You Have & Create Lifetime Income


Expert Retirement Income Planning

You’ve Saved Diligently and Have at Least $1M to Invest in Your Retirement.

Do any of these concerns resonate with you? Click to learn more about their story.

An Asian couple sitting on a couch, smiling and looking at each other affectionately.

Securing Your Lifetime Retirement Income

"I don’t want to run out of money."

Kenji and Sarah are high earners in their late 50s. Now that their kids are launched, they are considering retirement but aren’t sure it’s safe to retire yet.

A confident, professional old woman in a business suit, smiling as she sits at a table.

Preserve Your Wealth in Retirement

"I lost a lot of money in 2008. I’m afraid of what another major downturn will do to my portfolio."

Regina is a conscientious, intelligent investor. She’s worked hard and diligently contributed to her retirement portfolios, usually living below her means so she can save. She’s tired of the politics in her hospital and would love to retire so she can travel and visit her far-flung group of friends.

A living room scene with two men, a gay couple, wearing smiles of pure happiness.

Retirement Income Planning You Can Trust

"We want a straightforward income plan we can understand and trust."

Antonio and Scott have always lived below their means and saved diligently for retirement, even while putting Scott’s two kids through college.

Loving Same Sex Mature Female Couple Wearing Pyjamas Hugging In Kitchen At Home Together

Strategic Portfolio Management in a Volatile Market

"I want to protect what I have and grow it carefully. I DON’T WANT overly risky investments."

Jo and Lulu are high-earning professionals who have diligently put money away for retirement. They were heavily involved in their parents’ care and realized that they’d like to retire sooner rather than later so they can enjoy an active lifestyle as long as possible.

Mature Couple Enjoying Vacation

Balancing Comfort With Long-Term Care Costs

"I’ve just dealt with my aging parents and I’m afraid of being a burden on my children."

JoAnn and Gabriel have been primary caregivers for both sets of elderly parents, so they got a front-row seat to the expense and challenges of arranging care. They’re eager to retire but are worried their savings won’t be enough to fund their lifestyle as well as the cost of long-term care if and when they need it.

Senior Business Woman Standing

Late-in-Life Divorce: Embracing New Beginnings

"I divorced later in life. Will I still be able to retire comfortably?"

Jess experienced a late-in-life divorce after her kids were out of the house. The divorce made her realize she’d really like more time for friends, passion projects, traveling, and building a new life.

We Help People Trade Frustration & Uncertainty for Retirement Confidence

Growth Icon

Generate Reliable Retirement Income

Get a simple one-page roadmap to stable income for the rest of your life.

Retire Icon

Protect Your Portfolio From Volatility

The conventional market game is fundamentally flawed, so we found another path to reliable retirement income and growth.

Life Insurance Icon

Explore Retirement With Clarity & Confidence

Our collaborative process handles the research & analysis for you. You enjoy retirement with the confidence of a simple, reliable retirement strategy.

Embark on a Confident Retirement Journey With Us!

An older man looking at his wife adoringly while she smiles at the camera.

Not Sure if You’re Ready for a Lifetime Wealth Blueprint?

Ask yourself these questions about your current retirement portfolio:

  • Do I understand how to invest for retirement income in volatile markets?
  • How much risk is baked into my current portfolio?
  • What happens to my portfolio during an extended 2008-style downturn?
  • What happens to my income if markets drop and my portfolio has to recover?
  • What happens to my lifestyle if my portfolio can’t generate the income I need?

Take the Next Step
Toward a Better Financial Future

Michael's Headshot

Frequently Asked Questions

Absolutely not. Our pre-client consultation process is designed to get to know you, learn about your goals and situation, and introduce you to our team and our process. During your consultation, you’ll learn how our transparent fee structure works.

In the simplest terms, big firms have big bottom lines and goals that may not align with yours. As an independent advisor, my loyalty and my team’s loyalty is to you. As a fiduciary, my ultimate duty is to you and your goals.

Yes. We work best with clients who will have at least $1 million to invest in their retirement. That’s simply because we want our clients to be able to benefit from ALL the tools and strategies we offer to create reliable income and growth in retirement.

We serve diligent savers in the East Bay and nationwide who are seeking careful growth and protection from market losses in their retirement strategies. Our typical client is within 5 to 10 years of a retirement transition and is seeking advice on how to transition from growth-oriented investing to income-driven investing.

Our ideal clients are intelligent, coachable, and prudent with money. They’re seeking a collaborative partnership with an advisor and are willing to evaluate new ideas and make educated decisions about their portfolio. We work best with clients who have at least $1 million to invest in their retirement.

We work best with clients who are seeking a collaborative partner in their retirement. Those who aren’t convinced of the value of professional advice are unlikely to be a good fit for us. We also don’t work well with “adrenaline junkies” who seek out exciting investments or chase big risks.

Yes. Many of our clients live outside California, around the country, or travel abroad frequently, and we’re happy to work with them virtually.

Meet the Team Behind the Commitment

Certified Financial PlannerSM
Operation Manager
Client Relationship Manager

Join Our Newsletter!

Get Updates on the Most Recent Financial News Relevant to Your Life!