Everything below is flat-fee advice, analysis, and education. No commissions, no products, no assets under management — and where a question needs a licensed attorney, CPA, or registered investment adviser, you get a referral, not a workaround.
Tax Planning & Strategy
Bracket management, timing, deduction strategy, and estimated payments — including crypto disposals and Act 60 feasibility work. The plan behind the return.
Scope · strategy & projections only · excludes investment, insurance & legal advice
Tax Return Preparation
Individual returns prepared with a strategist's eye — the filing as the output of a plan, not an April scramble.
Scope · preparation only · audit & IRS representation referred to an EA or CPA
Financial Coaching
Cash flow, budgeting systems, debt-payoff strategy, and credit education — the operating system underneath everything else.
Scope · education & strategy · no investment recommendations
Social Security Claiming Analysis
The claiming-age math across both records — break-evens, survivor implications, and how timing interacts with your tax picture.
Scope · benefit-timing analysis · not investment advice
Student Loan Strategy
IDR plan selection, PSLF qualification tracking, and the refinance math — run against your actual income path.
Scope · repayment strategy only
Financial Education & Workshops
Courses, employer sessions, and plain-English content that makes the math legible — built for groups and general audiences.
Scope · general & impersonal education · not individualized advice
Bookkeeping & Management Accounting
Clean books, monthly closes, and management reporting for small operations — numbers you can actually run the business on.
Scope · non-attest services · not a CPA firm — no audits, reviews, or compilations
Business Consulting
Entity selection through a tax lens, S-corp election math, owner compensation structuring, and cash-flow modeling.
Scope · tax & management advice · legal drafting referred to an attorney
Estate Organization
Beneficiary audits, document inventories, and coordination with your attorney — so the plan exists on paper, not just in intention.
Scope · organization & coordination · no legal document drafting
