Phoenix, AZ (Main) Office
20860 N Tatum Blvd. Suite 220
Phoenix, AZ 85050
Illinois Office
2021 Midwest Rd. Suite 200
Oak Brook, IL 60523
Southern California Contact
Carolin Alaverdian
As a fee-only fiduciary Registered Investment Advisor (RIA), our primary commitment is to act in your best interest, providing unbiased, personalized advice without commissions or hidden fees. We offer guidance across a wide range of financial planning topics to help you achieve long-term financial security and peace of mind. Below is a summary of key areas where we can assist, tailored to your unique goals, life stage, and circumstances.
Retirement Planning
We help you build a sustainable retirement strategy, including assessing your savings needs, optimizing contributions to 401(k)s, IRAs, and other accounts, projecting income streams (e.g., Social Security, pensions), and creating withdrawal plans to minimize taxes and ensure your nest egg lasts.
Investment Management
Our fiduciary approach involves constructing diversified portfolios aligned with your risk tolerance and objectives. We provide ongoing monitoring, rebalancing, and advice on asset allocation, incorporating low-cost index funds, ETFs, or individual securities while emphasizing long-term growth and risk mitigation.
Tax Planning
We collaborate with your tax professionals to develop strategies that reduce your tax burden, such as Roth conversions, tax-loss harvesting, charitable contributions, and efficient asset location. This includes year-round planning to optimize deductions, credits, and filing status.
Estate Planning
Guidance on preserving and transferring your wealth, including wills, trusts, beneficiary designations, and powers of attorney. We focus on minimizing estate taxes, protecting assets from probate, and ensuring your legacy aligns with your wishes for heirs, charities, or special needs planning.
Insurance and Risk Management
We evaluate your coverage needs for life, disability, long-term care, health, and property insurance. Our advice ensures you’re adequately protected without overpaying, integrating insurance into your broader financial plan to safeguard against unexpected events.
Education Funding
Strategies for saving and funding higher education, such as 529 plans, Coverdell ESAs, or UGMA/UTMA accounts. We help balance college costs with retirement goals, explore scholarships, and project future expenses to avoid excessive student debt.
Debt Management and Cash Flow
Assistance in prioritizing debt repayment (e.g., high-interest loans vs. mortgages), creating budgets, and improving cash flow. We provide tools for tracking expenses, building emergency funds, and achieving financial independence through disciplined spending and saving habits.
Charitable Giving and Philanthropy
Advice on tax-efficient giving strategies, including donor-advised funds, qualified charitable distributions from IRAs, or setting up foundations. We help align your philanthropy with personal values while maximizing impact and deductions.
Specialized Life Events
Tailored support for major transitions like marriage, divorce, inheritance, job changes, or caring for aging parents. We address the financial implications, from asset division to elder care funding, to help you navigate these with confidence.
