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.
Strategic Business Financial Solutions
Owning a business is personal. We simplify your numbers, reduce inefficiencies, and build a roadmap that aligns with purpose so you business supports the life you want, not the other way around.
Your Household CFO
Get the financial clarity and control you’ve always needed. We apply business-grade financial planning to your personal life—aligning investments, savings, and cash flow with your long-term goals. No fluff. Just disciplined strategy that builds real wealth.
My Fee Structure
I believe in complete transparency. Here’s my fee structure, so you know exactly what to expect:
Tier | Range | Annual Rate |
|---|---|---|
01 | $0.00 – $100,000.00
| 1.2000%
|
02 | $100,000.01 – $500,000.00
| 1.1000%
|
03 | $500,000.01 – $1,000,000.00
| 1.0000% |
04 | $1,000,000.01 – $2,000,000.00
| 0.8500%
|
05 | $2,000,000.01 – $3,000,000.00
| 0.7000%
|
06 | $3,000,000.01 – $4,000,000.00
| 0.6000%
|
07 | $4,000,000.01 + | 0.5000% |
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.
What makes Human Capital different?
I am a fee-only fiduciary offering unbiased advice with no commissions or product sales.
Can you help with starting a business?
Absolutely! From idea generation to execution, I guide you to profitability.
Do you offer retirement planning?
Yes, I create tailored strategies to secure your future and retirement goals.
What’s included in CFO consulting?
My CFO services include financial modeling, cash flow management, cost analysis, and exit planning.
