Financial Planning Built Around What You Own and What You Want It to Do.

We start with the retirement you want to support: when you expect to retire, or how long you’ve been retired, what you expect to spend, and what income sources you can rely on. From there, we consider reserves, Social Security, pensions and other income, when withdrawals should begin, how much to keep liquid, and how the portfolio can support spending while the rest remains invested.

More on retirement planning with a CPA perspective.

Most people with meaningful wealth hold it in several places. That view helps us see how the accounts can work together rather than treating each one in isolation.

It also identifies decisions that deserve a closer look, such as whether a rollover from a former employer’s plan makes sense, which assets belong in which accounts, and how the accounts should be managed going forward.

We discuss both your willingness and your ability to bear losses: how you have reacted to past declines, how soon you will need the money, how concentrated your holdings are, and how much liquidity you need.

No investment strategy is risk-free. The goal is to take a level of risk that your financial circumstances can support and that you understand well enough to stay with through difficult markets.

What you keep matters as much as what you earn. Where relevant, we consider asset location, realized gains and losses, Roth conversion opportunities, and withdrawal sequencing alongside the investment case, not as an afterthought.

These are investment decisions with tax consequences. Ruth Grogan, CPA, brings a CPA’s analytical perspective to that process, while we coordinate with your tax professional, who remains responsible for tax advice and filings. Juth does not prepare tax returns or provide tax or legal advice.

How tax-aware investing works →

Good financial planning extends beyond the investment account. We review beneficiary and transfer-on-death designations for consistency with your wishes, consider whether liquidity reserves are adequate, and review existing life, disability, and long-term-care coverage for obvious gaps.

We coordinate with your CPA, attorney, and other professionals when appropriate so planning decisions are considered alongside the rest of your financial life. We do not draft estate documents, give legal advice, or sell insurance.

With investment management: Planning becomes a written strategy. We document the recommended approach, account structure, and important risks so you understand both the recommendation and the reasoning behind it before anything is implemented. Ongoing financial planning then remains integrated with the investment management relationship, and you continue working with the same advisors rather than being handed off to a separate planning team.

Standalone financial planning: A one-time, customized financial plan may include net worth and cash-flow analysis, retirement planning, an investment portfolio review, tax-efficiency considerations, risk-management needs, and an insurance review. The plan is generally delivered within 30 days and is not continuously monitored after delivery unless you begin a new planning engagement or investment management relationship.

Full terms are available in our Form ADV Part 2A (PDF) (opens in a new tab). Financial planning does not include legal advice, tax advice, or tax preparation.

You do not need to prepare a complete financial package or upload sensitive documents before we speak. For the first conversation, it helps to know:

• Which accounts you have, such as IRAs, Roth IRAs, brokerage accounts, 401(k)s, or 403(b)s, and roughly where each is held
• When you expect to retire, or when you did
• Your expected annual spending, even as a rough estimate
• Income sources you expect, such as Social Security or a pension
• The names of any CPA, attorney, or insurance professional you work with
• The two or three questions you most want answered