My Approach
I use a goals-focused, comprehensive, personalized, holistic approach to help clients understand, articulate, and achieve their financial and non-financial goals. I have extensive experience in investments; including traditional, non-traditional, and real estate. I am a former licensed Real Estate Salesperson, a former practicing Dentist, and a former full time investor. As a former Dentist, I have advised numerous health care professionals. As someone on disability, I am well versed in the nuances of Disability Insurance. As an Enrolled Agent, a federally-authorized tax practitioner empowered by the US Treasury to represent taxpayers before the IRS, I have a broad knowledge of the tax code. Almost all financial planning is intimately related to taxes/tax planning and I have extensive experience optimizing the tax management of investment strategies. Prior to my joining Cambridge Southern, I was employed by Ayco, a financial planning division of Goldman Sachs specializing in the Executive market. Almost all of Ayco's clients had stock options. I have advised clients on countless stock option exercises.

Although my clients come from all walks of life and are of all ages and interests, the majority of my clients are either professionals (financial, legal, or health care) executives, or real estate professionals. I practice with a team that includes 3 other planners; each of whom has different specialties and backgrounds. Although the 4 of us differ in background, we all share the same financial planning approach and passion for Fee-Only planning. This allows our firm to service a broad range of clients and client issues, even if it is not my specific area of expertise.

Although most of my clients have a net worth between $500k and $10m, I have no asset, net worth, or income minimums. Most of my clients pay an annual retainer, rather than a percentage of assets under management. This allows me to advise on retirement plans, stock options, executive compensation packages, direct real estate investments, non traditional assets, and many financial and investment issues that some planners are hesitant to approach. I am truly comprehensive and strictly Fee-Only.