As both a CPA and CFP®, I don't just build retirement plans. I model income tax returns. Every investment decision, every distribution, every Roth conversion gets stress-tested against its tax impact before it's made. Not after. That distinction is everything.

I spent decades preparing income tax returns, and what frustrated me most wasn't the complexity of the tax code. It was that the information was always arriving too late. By the time a client's return landed on my desk, the opportunities to reduce their tax burden had already passed. The decisions had been made. The damage was done.

That frustration revealed something else: a persistent, costly chasm between financial advisors and CPAs. CPAs are skeptical by nature. It's practically a professional requirement. But that skepticism too often becomes a lack of communication, and the people who pay the price are the clients caught in the middle.

For over 11 years, I served as CFO of a single-family office, coordinating investment strategy, tax planning, legal structure, and asset management for an ultra-high-net-worth family. I was the connective tissue between their team advisors, ensuring every decision was made with full alignment and maximum tax efficiency. I saw firsthand how the top 1% of the top 1% protect and grow their wealth.

I founded Centerpoint Financial Management to bring that same integrated approach to you. Your retirement plan deserves more than a great investment strategy. It deserves a plan that integrates tax mitigation, cash flow planning, and investment strategy. Built by someone who has spent a career at the intersection of all three.