Strategic Wealth, Built With Purpose.

We don’t sell products. We build financial strategies for people who want clarity, control, and long-term freedom. Whether you’re growing a business, navigating a major life shift, or ready to make your money work harder, we help you do it with confidence.

We Don’t Just Make Plans. We Make Progress.

At Human Capital Wealth Management, we work with people who are ready to get intentional about their money. No fluff. No sales tactics. Just expert planning, hands-on investing, and real strategy aligned with your goals.

Whether you’re scaling a business, managing sudden wealth, or planning for retirement on your terms—we help you align every financial move with a bigger purpose.

This isn’t a template. This is partnership.

Personalized Planning

Built for households who want clarity, structure, and long-term control.
→ Best for high-income earners, families, and transitioners ready to stop guessing.

  • Tax-focused planning
  • Cash flow & savings optimization
  • Roth Conversion & Qualified plans
  • 2–3 reviews/year with unlimited support
  • Integration with investment strategy

Investment Management

Fiduciary-level portfolio strategy—built for your goals.
→ Best for clients with $300K+ in assets (or clear savings potential).

  • Customized Portfolios
  • Direct indexing & tax-loss harvesting
  • Ongoing rebalancing
  • Planning & investment integration
  • Charles Schwab Custody

Business & Career Strategy

Coaching and planning for the builders, leaders, and transitioners.
→ Best for business owners, high achievers, and anyone entering a new chapter.

  • Start-up planning
  • Real estate investments
  • Salary negotiations
  • 401(k) & group benefit structure
  • Job change & equity comp planning

Here’s What We Actually Focus On

I don’t do fluff or check-the-box advice. These are the planning areas we actually address—with clear strategy and follow-through. Everything here is built to help you grow, protect, and enjoy your wealth.

Tax-Efficient Planning

Reduce taxes and increase keep-what-you-earn efficiency using proactive, personalized strategies. Especially critical in retirement and business ownership.

Investment Strategy

Disciplined, goal-driven portfolios with tax efficiency, intelligent risk alignment, and ongoing management. No noise. No commissions.

Expense Reduction

Cut the financial fat—personally or in business. We analyze your spending, eliminate waste, and restructure for lean, efficient cash flow that actually builds wealth.

Business & Career Planning

Support for business owners, career transitions, and equity comp strategies. From 401(k) setup to exit planning, we align your work with long-term wealth.

Cash Flow Optimization

Dial in your monthly strategy so that every dollar has a job—from income and debt to saving and investing. Get in control and stay ahead.

Owner & Exit Strategy

Maximize the value of your business while preparing for a profitable, low-stress exit—whether it’s 5 years out or 5 months away. Includes: Exit prep, succession planning, liquidity design, retirement plan setup.

Meeting Schedule

Clients who meet the $500,000 asset threshold are scheduled for two structured meetings per year. These meetings occur during two designated planning periods:

Group young business people discussing documents meeting office

Spring Planning Meeting (March)

Focus:

  • Portfolio and allocation review
  • Progress toward goals & Final Tax Funding
  • Cash flow and savings strategy
  • Planning updates based on life changes
People work meeting medium shot

Fall Planning Meeting (October / November)

Focus:

  • Year-end tax planning
  • Retirement planning adjustments
  • Open enrollment review
  • Charitable and gifting strategies
  • Priorities for the coming year

Ongoing Support Between Meetings

Between scheduled meetings, we provide ongoing monitoring and support, including:

  • Portfolio monitoring and rebalancing
  • Behind-the-scenes planning and coordination
  • On-demand meetings for major life events
  • Financial planning is includUnlimited email communicationed once $500K threshold is met

Important Notes

  • This two-meeting structure applies only to clients with $500,000+ in investable assets
  • Clients below this threshold are scheduled on an as-needed basis
  • The goal is focused, high-impact planning rather than unnecessary meetings
Full shot woman leading meeting indoors

My Fee Structure

I believe in complete transparency. Below is my fee structure, so you know exactly what to expect.

Ongoing Financial Planning

  • Minimum annual fee: $3,000
  • Billed monthly
  • 12-month minimum commitment
  • Applies when investable assets are below $500,000
  • Investment management is not included with this service

Investment Management

  • Available for clients with $100,000+ in investable assets
  • Priced separately using a tiered AUM fee schedule
  • AUM pricing is always shown as a grid (already on site)
  • Financial planning is included once $500K threshold is met
How Our Fees Work
  • Financial planning and investment management are offered as separate services
  • Fees are transparent, fee-only, and paid directly by clients
  • We do not receive commissions or product-based compensation

Frequently Asked Questions

Find answers to common questions about my financial and business consulting services, including wealth management, retirement planning, CFO support, and starting a business or side hustle.

I am a fee-only fiduciary offering unbiased advice with no commissions or product sales.

Absolutely! From idea generation to execution, I guide you to profitability.

Yes, I create tailored strategies to secure your future and retirement goals.

My CFO services include financial modeling, cash flow management, cost analysis, and exit planning.