Five services, one coordinated plan.
Each piece below is part of a single plan, not a separate product to buy. Here's what each one covers and who it tends to fit.
1 Financial Planning
The comprehensive plan that holds everything else together. Cash flow, goals, debt, insurance, college, retirement, charitable intent, the full picture in one document you can actually use.
Who this is for
- You want the full plan, not piecemeal answers
- You're in (or heading into) a life transition
- You're approaching retirement and want one document that holds it all
2 Investment Management
Evidence-based portfolios built around your plan, not around market predictions. Low-cost, tax-aware, and rebalanced with discipline.
Who this is for
- You want your investments coordinated with your plan, not run separately
- You're consolidating multiple accounts
- You'd rather own evidence-based funds than chase predictions
3 Tax Planning
The best return is the one you keep. Tax planning is the multi-year strategy work that compounds: Roth conversions, withdrawal sequencing, charitable strategies, capital-gain timing.
Note: Tim does not prepare tax returns. He coordinates with your CPA on strategy.
Who this is for
- You're a pre-retiree or retiree with significant traditional retirement balances
- You're facing a one-time event: sale, inheritance, RSU vesting
- You have a CPA, but nobody driving multi-year strategy
4 Estate Planning
Estate planning is more than a will. It's beneficiary alignment, titling, gifting strategy, and making sure the right person can step in if you can't. Done right, your money goes where you want it without a court fight.
Who this is for
- Your assets have outgrown a basic will
- You're a blended family or a business owner
- You're in, or approaching, retirement
5 Behavioral Finance
The single biggest threat to your wealth isn't the market. It's the decisions you'd make about the market without a steady hand. Behavioral finance is a real service at Rhodo, not an afterthought. It's why clients tend to outperform their own instincts.
Who this is for
- You've made an emotion-driven money move you later regretted (most people have)
- You want a steady call partner when the headlines get loud
- You're heading into a high-stakes decision or transition