Bringing Your Financial Life Together | From Advice to Action
Your priorities. A coordinated plan. Help carrying it through
Your Family's Financial Life | Organized
Your investments, retirement income, taxes, and estate arrangements all affect one another. We bring those decisions together around what matters to you and your family. Then we help put your plan into practice by managing your investments, establishing retirement withdrawals, and coordinating next steps with your tax and legal professionals. As your life changes, we stay involved and adjust together.
Investment Management
Your investments should work together to support your life from spending today to providing for future generations. We build a coordinated investment strategy around your goals, income needs, tax circumstances, and comfort with risk. We put that strategy into practice by managing your portfolio, monitoring your investments, and rebalancing when appropriate. We also help coordinate outside accounts, including TSPs, 401(k)s, and 403(b)s, with your broader plan.
Retirement Planning & Income
Retirement brings a new set of decisions about how to use the wealth you’ve built. We help you evaluate when to retire, how much you can comfortably spend, and how Social Security, pensions, and investments can work together to support your lifestyle. We help establish withdrawals and cash-flow arrangements, evaluate required distributions and Roth conversions, and adjust your strategy as your needs change.
Tax Planning
Taxes connect many of your financial decisions. We consider how investment choices, retirement withdrawals, and the timing of income and gifts affect your broader financial picture. Working with your tax professional, we evaluate opportunities such as Roth conversions, asset location, and managing investment gains and losses. We carry out agreed-upon investment strategies and coordinate steps that require your CPA’s involvement.
Risk Management & Insurance
Protecting your wealth includes preparing for events that could disrupt your family’s plans. We review existing coverage and help identify gaps involving life, disability, long-term care, and liability risks. When changes are appropriate, we help you evaluate options with insurance professionals and coordinate coverage with your financial plan. Rule72 does not sell insurance or receive commissions.
Estate Planning & Inheritances
Passing wealth to your family—or receiving it—brings financial decisions and personal responsibilities. We help you understand how account ownership, beneficiary designations, trusts, and inherited assets fit into your plans for the next generation. We coordinate with your estate planning attorney, help align your accounts with your estate arrangements, and manage inherited investments and distributions as part of your broader strategy.
Your wealth can support the people, causes, and organizations that matter to you. We help you consider how charitable giving fits with your lifestyle, tax circumstances, and family priorities. We evaluate options such as gifts of appreciated investments, donor-advised funds, and qualified charitable distributions. We help arrange investment transfers and coordinate with your tax and legal professionals when needed.
Charitable Giving
Banking & Lending
Cash reserves and borrowing decisions should support your broader financial strategy. We help you weigh how to fund a major purchase, maintain access to cash, or manage existing debt while considering taxes, investment risks, and repayment needs. When appropriate, we help coordinate account arrangements and introductions to banking or lending providers, keeping those decisions connected to your plan.
