Engineered for your success.
Four kinds of clients with four very different financial lives. What they share is complexity that generic advice is not built to handle. Each path has its own lifecycle, and we plan for every stage of it: the same fiduciary standard, the same engineering discipline, and the right blueprint for wherever you are.
Decades of saving, engineered into income for life.
Social Security, pensions, and portfolios coordinated into reliable income. A blueprint from your last paycheck to your legacy.
Approaching
The final accumulation years, when sequencing decisions matter most.
- Income design and stress testing
- Roth conversion windows planned before the paycheck stops
The Transition
The paycheck stops, and the questions start.
- Social Security timing
- A withdrawal sequence engineered for decades, not years
Through Retirement
Decades of distributions, each with tax consequences.
- RMD coordination
- Tax-bracket management
- Long-term care protection
Legacy
What you built should outlast you.
- Estate coordination that sends your assets exactly where you intend
What you walk away with.
Four different paths, one standard of care. Whichever blueprint is yours, these are the deliverables behind it.
A written financial plan
The first document that coordinates every financial decision in your life into one coherent strategy.
A Financial Action Checklist
Specific, prioritized steps, so nothing important is left undone.
Quarterly meetings
A standing agenda that keeps the plan current with your life.
Monthly performance reports
Transparent, benchmarked, and written in plain language.
An annual professional team call
Your CPA, your attorney, and AWM on the same call once a year, so nothing falls through the cracks.
Qualifications built for this kind of complexity.
A tailored blueprint is only as good as the team drawing it. Every client works with fiduciary advisors whose designations were earned for exactly the situations on this page.
Jermaine Carter · CFBS, MSFS, AEP®Founder & Principal Advisor
Selena Teasley · CFP®, RICP®Wealth Management Advisor
Dominik Yates · CFP®Wealth Management Advisor
Client assets are custodied at Altruist and Charles Schwab.
- CFP®
- Certified Financial PlannerComprehensive planning across every client profile
- MSFS
- Master of Science in Financial ServicesAdvanced planning for complex balance sheets
- AEP®
- Accredited Estate PlannerEstate coordination and wealth transfer
- CFBS
- Certified Family Business SpecialistFamily and closely held business owners
- RICP®
- Retirement Income Certified ProfessionalIncome design for retirees and pre-retirees
Questions from clients like these
Direct answers to the questions each of these paths tends to raise. Anything more personal belongs in a first conversation.
- What is business succession planning?
- Business succession planning prepares the transfer of your business to family, a partner, a key employee, or an outside buyer in a way that protects its value, minimizes taxes, and keeps the transition smooth for your team and customers. It typically includes a buy-sell agreement, a professional valuation, key person planning, and an exit strategy designed years before the event.
- What is a buy-sell agreement and why do I need one?
- A buy-sell agreement is a legally binding contract that defines exactly what happens to an owner’s interest if they die, become disabled, or want to exit. It protects the remaining owners from unwanted partners and guarantees the departing owner a fair, pre-agreed value. Every closely held business with more than one owner should have one.
- How does NIL income affect a college athlete’s taxes?
- NIL income is taxable, and most of it arrives as self-employment income, which brings quarterly estimated payments and self-employment tax on top of income tax. How an agreement is structured, and which states the income touches, can change the outcome significantly. We help athletes structure agreements, manage the tax exposure, and evaluate brand deals from the first dollar.
- When should I claim Social Security?
- It depends on your life expectancy, marital status, other income sources, and tax situation. Claiming at 62 reduces your benefit by roughly 30% versus full retirement age, while waiting past full retirement age grows it by 8% per year until age 70. For married couples, a coordinated claiming strategy can add hundreds of thousands of dollars over a joint lifetime. There is no universal answer, only the right one for your plan.
- What does comprehensive financial planning include?
- It coordinates every dimension of your financial life under one strategy: retirement income planning, investment management, year-round tax planning with your CPA, estate coordination with your attorney, an independent insurance review, and Social Security optimization, plus business succession planning when it applies. Ongoing accountability comes through quarterly meetings and an annual call with your full professional team.
The hardest part is starting the conversation. We’ll take it from there.
Tell us where you are and what’s worrying you. We’ll ask questions, listen, and tell you honestly whether we can help.
- A fiduciary, legally bound to act in your interest
- Fee-based planning with transparent, plain-English costs
- Investments, tax, retirement, and estate coordinated under one roof
- A 45-minute first conversation, with no obligation
Prefer to speak directly? Skip the form and call us. No gatekeepers.
Call (661) 487-1020