Financial Planning
A plan you'll actually use.
Comprehensive financial planning is a written engagement. You leave with a binder and a quarterly cadence, not a slide deck you never open again.
What a plan covers
Comprehensive, written, and built around your life.
- Retirement and decumulation modeling
- Estate flow and beneficiary alignment
- Education funding (529s, UTMAs, custodial)
- Tax aware investment design and harvesting
- Charitable strategies (DAFs, CRTs, QCDs)
Areas of focus
The pieces we bring together.
Each plan is sized to your situation. Some clients need all of this; many need only a part.
Retirement and decumulation
Modeling for the years before and after you stop working, including drawdown sequencing and timing.
Estate flow
Beneficiary alignment and the orderly transfer of assets, coordinated with your attorney.
Education funding
529s, UTMAs, and custodial structures, sized against your broader goals.
Tax aware design
Asset location, harvesting windows, and investment decisions shaped by their tax impact.
Charitable strategies
Donor advised funds, charitable trusts, and qualified charitable distributions where they fit.
Cash flow
A clear picture of income and outflows, the foundation every other decision rests on.
Planning is informational and does not constitute legal, tax, or accounting advice. Coordinate with your attorney and tax professional. Engaging USWMA is subject to a written advisory agreement.
Get started
Ready to build the plan?
A first conversation runs about 30 minutes and frames the work. Engaging USWMA is subject to a written advisory agreement; nothing on this site constitutes an offer of advisory services or a recommendation.