Service · IV
Personal financial, estate, and elder-care planning.
Planning that holds the long view. Coordinated with your tax position, your attorney, and the people who will inherit what you have built.
Planning that takes the long view.
For business owners and high-net-worth families, the tax return is downstream of decisions made years earlier. Our individual-services practice exists to make those decisions deliberately — with full sight of your tax position, your business interests, and the people who depend on the outcome.
- 01Personal financial planning aligned with your tax position
- 02Estate planning coordinated with your attorney
- 03Trust accounting and fiduciary tax compliance
- 04Elder-care decisions, including long-term-care funding strategy
- 05Charitable giving structure (DAF, CRT, private foundation)
- 06Generational wealth transfer and gifting strategy
The personal side of a business owner's life.
Most of our individual work is for clients whose business and personal finances are deeply intertwined. The planning reflects that.
- 01
Personal financial planning
Cash-flow modeling, retirement projections, and tax-position-aware investment decisions. We do not sell investments — the advice is independent.
- 02
Estate planning
Coordinated with your attorney. We bring the tax view: lifetime gifting limits, step-up basis planning, GST allocation, and entity restructuring.
- 03
Trust accounting
Bookkeeping, statements, and tax compliance (1041) for revocable, irrevocable, charitable, and special-needs trusts.
- 04
Elder care
Long-term-care funding, Medicare and Medi-Cal coordination, fiduciary appointments, and the financial side of conservatorship when needed.
- 05
Charitable giving
Donor-advised funds, charitable remainder trusts, and private-foundation analysis. We model the giving against your tax position.
- 06
Generational transfer
Gifting strategy across the lifetime exclusion. Family limited partnerships, intentionally-defective grantor trusts, and the entity structures that make multi-generation transfer efficient.
Slow, deliberate, with the right people in the room.
These decisions deserve the time they take. We do not rush this work.
- Step 01
Assess
We start with the full picture: returns, balance sheet, entities, existing trust and will documents, and the people the planning is for.
- Step 02
Model
We build the projection. Tax position, cash flow, transfer mechanics, and the scenarios you want to compare. Plain-English; no jargon.
- Step 03
Execute with counsel
We work alongside your estate attorney. They draft; we model and review. The two views together is what makes the planning sound.
Planning before there is a deadline.
The most useful individual planning happens years before anyone needs it. Reach out for a thirty-minute conversation.