At Centerpoint, we Offer a comprehensive Suite of services
Most financial advisors manage investments. Few do what we do.
As a fee-only planner and a practicing CPA, we combine tax strategy with comprehensive financial planning to help you keep more of what you earn, invest with discipline, and retire on your terms.
The services listed below aren't a menu. They are an integrated system designed to work together, because your financial life doesn't exist in silos.
Retirement Planning
As you approach retirement, your perspective begins to change. Our retirement planning process provides clarity so you can retire with confidence and make informed decisions that align your finances with your long-term goals.
WHAT IT IS:
Comprehensive retirement plan using leading-edge software.
Monte Carlo analysis to stress-test retirement plan and model scenarios.
Social Security optimization strategies.
Pension review and election decision.
Health Care cost projections and Medicare planning.
Retirement feasibility analysis to determine when you can retire.
ADDRESS COMMON QUESTIONS LIKE:
Do I have enough money to retire?
When can I confidently retire
What strategies can I use to increase my social security benefit?
Tax Planning
As a practicing, tax-focused CPA, tax planning is an integral component of everything we do. We take a proactive, multi-year, strategic approach to minimize the income taxes you pay each year and throughout your lifetime. We use tactical strategies to achieve immediate tax savings while always keeping the long-term view in focus.
WHAT IT IS:
Proactive, year-round income tax planning.
Tax-efficient investment strategies and asset location
Strategic Roth conversion planning.
Tax-loss harvesting
Analyze the tax implications of all major financial decisions.
Year-end income tax projection and planning
ADDRESS COMMON QUESTIONS LIKE:
How much will I pay in income taxes this year?
What tax strategies work best for me?
How will a Roth conversion strategy reduce my lifetime taxes?
Withdrawal Strategy
The transition from being a net saver to a net spender can be a challenging one. We help you create a thoughtful, coordinated approach to ensure you draw down your assets in the most tax-efficient way possible and help eliminate the fear of “What if I run out?”
WHAT IT IS:
Customized withdrawal plan across all account types.
Tax bracket management to minimize your lifetime tax burden one year at a time.
Planning for Required Minimum Distributions (RMDs) and the related income tax implications.
Coordinate cash flow needs with investment strategy.
Integrate all sources of income including Social Security, pension, rental real estate, investment and other business interest.
ADDRESS COMMON QUESTIONS LIKE:
How do I make sure my money lasts throughout my retirement?
How do I draw down my assets without paying too much in taxes.
How will my RMDs impact my Retirement cashflow?
Giving & Charity
For clients passionate about making an impact, we develop strategies that align with your giving values while maximizing tax efficiency.
WHAT IT IS:
Donor-advised fund strategies and implementation.
Qualified Charitable Distribution.
Maximizing charitable tax deductions by donating appreciated stock and bunching contributions.
Creating an estate plan that will define your legacy.
Aligning impact with personal values.
ADDRESS COMMON QUESTIONS LIKE:
Will my spouse be able to manage things when I’m gone.
Where will my money go once I have passed, and how can I make sure it passes in the most tax-efficient way possible?
How can I reduce my income taxes by strategically giving away money to the organizations I care most about?
Equity Comp & Concentration
Corporate executives face unique challenges when the vast majority of their wealth is concentrated in one stock. We help you navigate the related complexities and integrate them into your financial picture.
WHAT IT IS:
Comprehensive analysis of stock options, RSUs ESPPs, and deferred compensation strategies.
Strategic exercise timing for tax-efficiency.
Diversification strategies to manage, and ultimately divest, highly-concentrated equity positions.
10b5-1 trading plans to help navigate insider trading rules.
Alternative Minimum Tax (AMT) planning for inceptive stock options.
ADDRESS COMMON QUESTIONS LIKE:
How do I manage my concentrated stock position after working with a company for many years?
Are there ways I can reduce the taxes and risks associated with my stock options?
How will a significant change in my employer’s stock price change my retirement?
Evidence-Based Investing
Our investment philosophy is built on a bedrock of academic research, not feelings, predictions, or “hot stock tips.” We believe successful investing is about discipline, diversification, and diligence.
WHAT IT IS:
Globally diversified, low-cost portfolios tailored to your risk tolerance.
Strategic asset allocation based upon research.
Disciplined rebalancing to maintain optimal risk levels.
Tax-efficient implementation using ETFs and index funds.
Regular portfolio reviews and adjustments as your goals evolve.
ADDRESS COMMON QUESTIONS LIKE:
Are my investments too aggressive or too conservative?
When should I rebalance my portfolio.
Which assets belong in which types of accounts to reduce income taxes?
Retirement Clarity in 30 Minutes!
During our free discovery call, we'll discuss your situation, address your questions, and help you decide if we're the right fit.
No sales pitch. No financial products. No pressure.
Just a simple, straightforward conversation about your vision for retirement.