Sleep-Well-At-Night Investing for Your Next Chapter
I help faith-driven families invest with clarity, confidence, and purpose—so you can focus on what truly matters: faith, family, and freedom.
Every investment strategy I design begins with the Retire Blessed Plan — your personalized roadmap for income, taxes, and legacy. The investments simply bring that plan to life.
How I Help You Invest with Confidence
Markets will rise and fall. But wise stewardship isn’t about prediction—it’s about preparation. My goal is to help you grow wealth that serves your family, fuels generosity, and endures for generations.
Designed around your goals, values, and timeline.
Every portfolio decision is backed by evidence, not emotion.
Integrated strategies to help reduce lifetime taxes.
Why Most Investors Can’t Sleep at Night
In working with hundreds of retirees, I’ve found that most aren’t losing sleep because they lack money—they’re losing sleep because they lack clarity.
They’re trying to balance growth, protection, taxes, and timing—without a cohesive plan.
And when every headline feels like a crisis, it’s hard to stay disciplined.
That’s why my focus isn’t just on performance. It’s on peace of mind.
My Approach — The “Floor, Grow, and Guardrails” Philosophy
You don’t need to chase every market rally or fear every dip.
You need a structure that keeps you steady through both.
My investing philosophy is built on three principles:
Floor: Protect what you can’t afford to lose.
Grow: Participate in the markets with disciplined, diversified portfolios.
Guardrails: Set rules that prevent panic or greed from derailing your plan.
The goal isn’t just returns—it’s resilience.
How Investing Fits into the Retire Blessed Plan
I don’t view investing as a standalone service. It’s one part of a larger framework that ensures your money serves your mission.
Through the G.R.A.C.E. Framework, your investments connect to every piece of your financial life:
Guaranteed Income: Coordinated with pensions, annuities, and Social Security.
Reserves & Insurance: Cash and safe assets for life’s interruptions.
Asset Growth: Long-term portfolios built for efficiency and purpose.
Comprehensive Tax Planning: Reduce lifetime taxes, not just this year’s bill.
Estate & Legacy: Ensure your assets pass on purposefully, not accidentally.
How We Build Your Portfolio
Clarify Your Goals – What’s most important to you: income, growth, giving, or freedom?
Calibrate Your Risk – Understand your “sleep-at-night” comfort zone.
Construct Your Portfolio – Align investments with your personal retirement timeline.
Coordinate Ongoing Review – Adjust with wisdom, not emotion.
Every portfolio is crafted for clarity and conviction, not speculation.
My Fiduciary Promise
I’m an independent CERTIFIED FINANCIAL PLANNER™ and fiduciary.
That means I’m not paid by product companies, commissions, or hidden incentives—just by you.
Your trust deserves transparency. Your plan deserves integrity.
How My Fee Structure Works
Every relationship starts with a Retire Blessed Plan.
That’s where we build the strategy—your income plan, tax plan, and investment framework.
If you decide to move forward and have me manage your investments, I’ll apply what you paid for the plan toward your first year of management fees.
It’s not an extra cost—it’s rolled into your first 12 months of service.
My ongoing investment management fee is 1% of assets under management, up to $2 million.
Above that, we’ll agree on a custom rate based on your situation.
This structure keeps everything simple, fair, and fully aligned.
You get a complete plan first, then implementation and management under one roof—without paying twice for the same work.
No investment commissions. No hidden costs. Just aligned incentives.
Where is my money held?
We leverage Altruist to deliver faster, more personalized financial solutions.
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Altruist's technology streamlines account management, allowing us to open, fund, and manage your investments faster and with precision.
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We leverage fractional shares and tax-efficient investing, ensuring your portfolio is fully customized—no matter your account size.
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With industry-leading security and insurance, Altruist ensures your assets are safeguarded like with any top custodian, minus unnecessary risk.
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Less paperwork, more planning. We focus on delivering personalized financial guidance that matters to you.
How to Begin
The first step isn’t opening an account—it’s opening a conversation.
We start with the Retire Blessed Plan, a one-time flat planning fee of $3,000, designed to help you bring every piece of your financial life into alignment.
Each month, I also reserve two Stewardship Plan openings at $522—a nod to Proverbs 15:22:
“Plans fail for lack of counsel, but with many advisers they succeed.”
FAQs
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Flat annual percentage, billed monthly, directly from your account. No trading or custodial junk fees.
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Guardrails lock in gains and cut withdrawals when needed - your essential income stays covered.
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You can request an ACH from your Altruist account for most requests. Typically takes a few business days to clear and settle in your bank account.
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Yes—held-away management. We align its allocation with the rest of the growth bucket so nothing works at cross-purposes.
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We start with essential expenses, build guaranteed income to cover them, then let guardrails decide when to take growth-bucket withdrawals—never guesswork.
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Guardrails set an upper/lower band around your starting balance.
• Portfolio up 25-30 %? ✔ Give yourself a raise.
• Down 20-25 %? ❌ Pause raises to protect principal.
It keeps paychecks steady without running the tank dry.
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Formal review = quarterly. We decide to rebalance and/or reconstitute holdings in your portfolio.
Automatic rebalancing = as soon as any holding drifts 20%+ from its target allocation.
Emergencies? We act sooner.
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The income bucket (safe assets + annuities) funds checks for 10+ years.
Your growth bucket gets time to heal—no forced selling at the bottom.
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• Roth conversions in low-bracket years
• Tax-aware asset location
• Harvest losses when markets dip
• Coordinate with your CPA—so surprises stay off the table.
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It’s our engine for funding retirement raises.
• Allocate growth capital to custom stock/ETF portfolios.
• Use dynamic guardrails to decide when to harvest gains for income.
• Keep taxes and risk in check—so growth never outruns prudence.
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Three filters:
1️⃣ Essential costs already covered by guaranteed income & reserves.
2️⃣ Time horizon until funds are needed.
3️⃣ Personal risk capacity (tested with scenario analysis).
The rest stays in lower-volatility buckets.
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We model long‑term outcomes using assumptions like CPI + X% to test plan durability net of fees over a full cycle—enough to outpace inflation without taking casino-level risk.. These are planning inputs, not guarantees or predictions.
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Both.
• Core: Low-cost ETFs for broad diversification.
• Satellite: Rules-based equity strategies built for extra alpha.
Everything is implemented at Altruist for seamless custody.
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• 10-year income bucket shields you from forced selling.
• Guardrails throttle distributions early.
• Tactical loss harvesting cushions taxes.
History shows the combo keeps plans intact—even in deep drawdowns.
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Only when they reduce risk or enhance diversification for your plan.
No meme bets. Stewardship over speculation.
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• Institutional-share ETFs (avg. expense < 0.10 %).
• Zero trading commissions at Altruist.
• One transparent advisory fee—no layers, no revenue-sharing.
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Yes—faith-aligned or ESG filters via screened ETFs and custom stock lists.
No sin stocks if you don’t want them.
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Assets transfer to any custodian you choose—no exit fees, no proprietary products to unwind. Stewardship doesn’t trap people.
Book Your Retirement-Gap Call!
Invest wisely. Live purposefully. Retire blessed.