It all starts with a conversation to understand who you are. Our initial consultation allows us to understand your vision for the future and your personal and financial situation. If we mutually agree there is a good fit for a long-term partnership, we proceed by gathering the key information needed to fully understand your circumstances. We then create and present a customized, comprehensive financial plan that provides an assessment of your situation and lays out a clear path forward, all based on your vision. Finally, we will then help you implement our suggested action items. This is the beginning of our ongoing partnership to help you achieve your goals and navigate whatever comes next.

Fee-only means the only compensation we receive comes as a transparent advisory fee. We don't earn commissions, and we don't sell insurance or investment products that compensate our firm. That matters, because it removes a major source of conflict. Our advice isn't shaped by a product we'd be paid to utilize. As a fee-only fiduciary, we're obligated to act in your best interest and our incentive is simple, to help you succeed and achieve your goals.

As often as your life requires, which is likely more than you'd expect. Client service is at the core of what we do, and we pride ourselves on responsiveness. You'll have a systematic review schedule that keeps your plan on track, but you're never limited to it. When something timely comes up (a job change, a large purchase, a market that has you worried) you can reach us and get reliable advice. Because we work as a team, more than one person knows your situation which allows us to be available for you.

Managing investments is what many people picture when they think of an advisor, but it's one piece of a larger picture that ultimately drives your financial success. Your financial life is full of decisions that interact with one another: how much to save and where, Roth conversions, tax-efficient withdrawals, equity compensation, insurance, estate and gifting strategies, and staying ahead of ever-changing tax laws (just to name a few). Any one of these can cost or save you a meaningful amount and they don't operate in isolation. A move in one area affects the others, which is why our specialty is seeing the whole board and optimizing across all of it by coordinating every decision into one plan built around your goals. Investment management is a core service offering of ours, but it works best as one piece of a coordinated plan.

The better question is usually less about a single number and more about whether your situation fits the kind of planning we do. We work best with individuals and families whose finances carry enough complexity that thoughtful, ongoing advice makes a real difference. The best way to find out is to ask. Schedule a consultation for a short exploratory conversation.

This is one of the most common questions we help answer and it deserves more than a rule of thumb, because everyone's situation is highly unique. It starts with us asking the simple question that many do not know the answer to: "When do you want the option to stop working and how much do you need per year to live the lifestyle you want?" We build a model of your retirement and consider key factors (such as spending, longevity, market conditions, and taxes) to outline realistic scenarios. We review important trade-offs that provide insights to help guide your decisions. Instead of a single optimistic projection, you get a carefully assessed picture of your options so you can decide with confidence.

Turning a lifetime of savings into a dependable paycheck is its own discipline. We build a retirement-income strategy that directs which accounts to draw from, and in what order, to make your money last and highly tax-efficient. This includes coordinating Social Security timing, required minimum distributions (RMDs), Roth conversions, and healthcare-related thresholds along the way. The aim is steady, tax-smart income you can count on, with a plan that adjusts as life and markets change.

We view tax strategy as core to our approach and tax efficiency is a constant consideration throughout the year, not a once-a-year event. We invest with taxes in mind (harvesting losses, locating assets in the most tax-efficient accounts, and timing gains), plan multi-year strategies around income, deductions, Roth conversions, and charitable giving. We keep in mind thresholds like IRMAA and ACA that can quietly raise your costs. While we don't prepare your tax return, we work closely with your CPA to review your return each year to spot planning opportunities.

For some people, particularly those with high incomes or a coming liquidity event, a change of residence can meaningfully reduce state taxes. But the rules are strict and the details matter: states look closely at where you actually live and getting it wrong can be expensive. There is more to consider than income tax rates alone, such as property and sales taxes and whether or not the state taxes retirement income and has an estate tax. We help you weigh the real financial impact against lifestyle trade-offs, and we coordinate with your CPA and attorney on the requirements.

It depends on your goals, the size and timing of your giving, and your tax picture. The right tool for a one-time gift differs from one meant to last for generations. We help you compare the options: donor-advised funds (simple, flexible, with an immediate deduction), private foundations (maximum control, more administration), and charitable trusts such as CRTs (income now plus a future gift), along with techniques like giving appreciated stock and "bunching" gifts into a single year. As of the beginning of 2026, a new tax law limits your charitable deduction, if you itemize, to contributions that exceed 0.5% of your adjusted gross income (AGI). "Bunching" is a strategy that involves making multiple years of contributions in one tax year is one way to clear that floor and deduct more of what you give. The aim is for more to reach the causes you care about and less to go to taxes, designed with your CPA and attorney where documents or filings are involved.

Thoughtful planning, started early, can make a meaningful difference in how much of your wealth reaches the people and causes you care about. One of the most important considerations is if you want to prioritize giving now, or at the end of your life. We help design a wealth-transfer strategy (including annual gifting, using current estate exemptions, charitable tools, and vehicles such as trusts) matched to your goals and timeframe for giving. We also surface advanced strategies (such as a Spousal Lifetime Access Trust (SLATs) or Grantor Retained Annuity Trust (GRATs)) for you to consider, and sit alongside you when engaging with your estate attorney and CPA (who draft the documents and handle the filings).

One of the most important things parents ask us is how to help their children develop skills, habits, and financial responsibility to be successful on their own. So, this conversation really starts well before we talk about how much money to give.

We've seen many parents, understandably, want to make life easier for their children. But too much financial help, especially too early, can quietly work against the independence and confidence we're trying to build. That doesn't mean you shouldn't help. It means being thoughtful about when you help, how you help, and what you're trying to accomplish. There's a big difference between helping a child buy a first home, fund an education, or get through a hard stretch, and simply subsidizing a lifestyle they couldn't otherwise afford.

Our role is to understand what you want your wealth to do for your family and then help you determine the right time and the right way to provide that support. The goal isn't simply to transfer wealth to the next generation. It's to do it in a way that improves their lives without taking away the motivation, responsibility, and independence that made you successful in the first place.

This is as much a family question as a financial one, and there's no one-size answer. We help you think through what to share, when, and how. We often facilitate family conversations and provide financial education, so heirs are prepared rather than surprised. Done well, transparency tends to reduce entitlement rather than create it: children who understand the "why" behind the wealth, and the work that built it, usually become better stewards of it.

Nearly everyone benefits from a basic estate plan, at minimum a will, powers of attorney, and healthcare directives, so your wishes are followed and important decisions don't fall to a court. A trust is a legal arrangement that holds assets and directs how and when they pass to your beneficiaries; depending on the type, it can help avoid probate which can be costly, add privacy, protect assets, and control timing (for example, staggering an inheritance rather than handing it over all at once). Whether you need one, and what kind, depends on your situation. We help you understand what's appropriate and prepare for the conversation, then coordinate with your estate attorney, who drafts the documents.

One of the biggest mistakes we see in this area is having an estate plan drafted but not actually implementing it. Unless your assets are placed in the structures that were set up, and your beneficiaries are updated, you may not receive the benefits and protection of your plan. We will be there with you after the documents are finalized in order to make sure all your assets are set up correctly.

We invest to serve your plan, not to chase headlines. That means building a diversified portfolio aligned to your goals and your tolerance for risk, keeping costs and taxes low, rebalancing with discipline rather than emotion, and staying focused on the long term through short-term noise. At the same time, when there are fundamental changes in markets, we think it is important to efficiently adjust portfolios to pursue opportunities when they are available. We utilize a mix of active, passive and factor-based strategies in developing your portfolio. Depending on the asset class, whether it be equities, bonds, or alternatives we will choose the structure we feel gives the greatest chance of meeting our objective. We believe consistent, intentional decisions (and avoiding unforced errors) are what compound wealth over time.

Downturns are a normal, expected part of investing. We build your plan to withstand them, not to be surprised by them. We plan for volatility in advance: holding an appropriate mix of assets, keeping enough stability that you're never forced to sell at the wrong time, and, where it helps, using down markets to your advantage through rebalancing, tax-loss harvesting, and opportunistically investing when markets are at lower valuations. We feel it is important for you to understand how we will react to a market downturn before it happens. Just as important, we're a steady voice when the headlines are loud, helping you avoid the emotional decisions that tend to do the most lasting damage.

At Riverpoint Wealth Management we recognize that no two clients are the same, and neither are their portfolios. Whether it be incorporating your outside assets into our plan, working within your personal preferences, or adhering to your workplace compliance restrictions, we will develop a personalized plan to meet your goals.

More important than investment returns is what you actually keep on an after-tax basis. Minimizing the taxes generated from your investments is an important part of portfolio management and can be enhanced through tax loss selling, correct investment placement, and monitoring where you stand versus certain tax thresholds. It is also imperative to not let taxes drive every investment decision, as that can also be detrimental to your overall returns as well.

As a business owner, selling your company is often the largest financial event of your life and the culmination of years of work. We offer guidance from the moment you begin considering a sale, throughout the deal process, and regarding the proceeds after closing. Utilizing our close knowledge of your situation, we address both financial and personal aspects of a deal by helping you review offers, assess deal structures, consider the tax impact, and think through the trade-offs, so the deal you choose aligns with the life you want afterward.

We help you look past the headline price to what you'll keep after taxes and weigh key considerations that shape a deal, such as an asset versus equity sale, purchase price allocation, and the types of earn-outs. Throughout the process, we advise you and coordinate with your CPA, attorney, and deal team, so everyone is working from the same plan.

When a large share of your net worth sits in a single company's stock, you may be carrying more risk than you realize, especially when your job and much of your wealth depend on the same company. We help you understand your real exposure and, where it makes sense, chart a disciplined path to reduce it while managing the tax implications that selling can trigger. There are many strategies available to reduce your exposure while minimizing or deferring the tax implications. The goal is to lower concentration risk without an avoidable tax bill, balancing the two rather than letting either one drive the decision on its own. We model the tax impact and coordinate with your CPA.