The families we serve
Where you are. What you’ve built. Who should be in the room.
Two things shape nearly every plan we build: your life stage — which decisions are in front of you — and your wealth stage — how complex those decisions are. Together they tell us which advisor should lead, which specialists to bring in, and which conversations you’ll find most useful.
Life stage
Where you are shapes what comes next
Accumulating
Building income, savings and momentum.
Pre-Retirement
Ten to fifteen years out — turning savings into a plan.
Evolving Retirement
Recently retired or in transition — putting the plan to work.
Established Retirement
Fully transitioned — stability, simplicity and legacy.
Wealth stage
Complexity changes the advice
Uniquely Successful
Extraordinary complexity — businesses, equity, trusts, multiple generations.
Accomplished
Financially secure, with complexity in specific areas.
Aspiring
On the path, and looking for structure and clarity.
Where they meet
Twelve situations. Twelve different conversations.
The plan for a young executive with emerging equity looks nothing like the plan for a family managing trusts across three generations. Select the square that sounds most like you to see what we focus on, who leads, and the events built for families like yours.
Uniquely Successful · Accumulating
Emerging complexity, early
Young executives, entrepreneurs and inheritors with complexity arriving early — often business owners or equity-compensated professionals.
What we focus on
- Equity compensation and concentrated stock
- Entity structure and business growth planning
- Early estate and tax strategy
Who leads
Daniel Ronis, CFP®
Events for you
Coffee Chat with Daniel: Beyond the Paycheck — Making the Most of Your Workplace Benefits
Held Oct 16, 2026 · Zoom webinar · Next chat coming soon
Uniquely Successful · Pre-Retirement
Optimizing the exit
High-earning professionals and business owners optimizing exits, taxes and lifestyle plans.
What we focus on
- Exit and succession planning
- Pre-liquidity tax strategy
- Modeling the lifestyle after the transition
Who leads
Jason Cohen, CFP®
Events for you
Business owner exit roundtable
2027 dates to be announced soon
Uniquely Successful · Evolving Retirement
After the liquidity event
Recent retirees navigating liquidity events, shifts in identity, and a growing interest in philanthropy.
What we focus on
- Investing proceeds from a sale
- Charitable strategy and donor-advised funds
- Purpose and routine after the business
Who leads
Jordan Kraus, CFP®
Events for you
Life after the exit dinner
2027 dates to be announced soon
Uniquely Successful · Established Retirement
Stewarding a family legacy
Long-standing clients and new ultra-high-net-worth retirees managing family legacies, trusts and complex structures.
What we focus on
- Trust and entity coordination
- Multi-generational wealth transfer
- Family governance and next-gen preparation
Who leads
Brian Oettinger, CFP®
Events for you
Fall Lunch Speaker Series: Would Your Estate Plan Pass an Emergency Test?
Held Oct 26, 2026 · Lunch in Rockville · New dates coming soon
Accomplished · Accumulating
Disciplined builders
Diligent savers with high income or strong discipline — often dual-income households.
What we focus on
- College funding
- Protecting income and family
- Tax-efficient saving across accounts
Who leads
Daniel Ronis, CFP®
Events for you
Coffee Chat with Daniel: Beyond the Paycheck — Making the Most of Your Workplace Benefits
Held Oct 16, 2026 · Zoom webinar · Next chat coming soon
Accomplished · Pre-Retirement
Funding the big goals
Stable careers, focused on funding retirement and college while minimizing tax drag.
What we focus on
- Retirement readiness and gap analysis
- College funding
- Reducing tax drag on the portfolio
Who leads
Jason Cohen, CFP®
Events for you
Retirement readiness workshop
2027 dates to be announced soon
Accomplished · Evolving Retirement
Balancing the new retirement
Balancing cash flow, healthcare and legacy decisions with moderate complexity.
What we focus on
- Reliable retirement income
- Medicare and healthcare costs
- Early legacy decisions
Who leads
Jordan Kraus, CFP®
Events for you
Medicare and income seminar
2027 dates to be announced soon
Accomplished · Established Retirement
Simplicity and support
Comfortable retirees seeking simpler income distribution and support with decisions about aging.
What we focus on
- Consolidating and simplifying accounts
- Planning for care and aging
- Keeping the estate plan current
Who leads
Brian Oettinger, CFP®
Events for you
Fall Lunch Speaker Series: Would Your Estate Plan Pass an Emergency Test?
Held Oct 26, 2026 · Lunch in Rockville · New dates coming soon
Aspiring · Accumulating
Building the foundation
New professionals and late starters working to get ahead — building habits and assets.
What we focus on
- Savings habits and a simple investment plan
- Employer benefits
- Basic protection
Who leads
Guided Wealth Portfolios — our guided program, with access to the full firm as your needs grow
Events for you
Quarterly financial-wellness workshop
2027 dates to be announced soon
Aspiring · Pre-Retirement
Catching up with confidence
Often anxious about being behind. What helps most is structure, clarity and a realistic path forward.
What we focus on
- A clear savings target
- Catch-up contributions
- Social Security planning
Who leads
Guided Wealth Portfolios — our guided program, with access to the full firm as your needs grow
Events for you
Quarterly financial-wellness workshop
2027 dates to be announced soon
Aspiring · Evolving Retirement
Making income last
Relying on Social Security, pensions and modest savings.
What we focus on
- Income from Social Security and pensions
- Spending plan
- Managing healthcare costs
Who leads
Guided Wealth Portfolios — our guided program, with access to the full firm as your needs grow
Events for you
Quarterly financial-wellness workshop
2027 dates to be announced soon
Aspiring · Established Retirement
Protecting against the unexpected
May face risks around outliving resources or needing long-term care.
What we focus on
- Longevity planning
- Long-term care options
- Keeping things simple for family
Who leads
Guided Wealth Portfolios — our guided program, with access to the full firm as your needs grow
Events for you
Quarterly financial-wellness workshop
2027 dates to be announced soon
An ensemble, not a single advisor
The right specialist for the stage you’re in
Every family has one lead advisor. Behind them is a team whose members each concentrate on a specific part of the matrix — so the person across the table has seen your situation many times before.
Brian Oettinger, CEPA®
Business owners & exits
Exit timing, succession, and the tax and lifestyle planning that surrounds a liquidity event.
Jason Cohen, CFP®
Retirement transitions & income
Social Security timing, withdrawal sequencing, Medicare and the first years of retirement.
Brian Oettinger, CFP®
Legacy & multi-generational families
Trust coordination, family governance, philanthropy and preparing the next generation.
Daniel Ronis, CFP®
College funding & protection for young families
Saving for college, protecting a growing family’s income, and building habits that compound.
Jordan Kraus, CFP®
TSP & government retirement benefits
TSP allocation and withdrawals, federal pensions, and coordinating government benefits with Social Security.
Events
Gatherings built for where you are
Some are educational, some are purely social. All of them are small, and each is designed around one stage — so the people in the room are working through the same questions you are.
Accumulating · Coffee Chat webinar
Coffee Chat with Daniel: Beyond the Paycheck
Making the most of your workplace benefits during your earning years — 30 minutes over Zoom with Daniel Ronis, CFP®.
Pre-Retirement · Educational
Business owner exit roundtable
A working session for owners five to fifteen years from a transition, with guest attorneys and CPAs.
Evolving Retirement · Social
Life after the exit dinner
An evening for recent retirees and sellers navigating new routines, identity and purpose.
Established Retirement · Lunch Speaker Series
Would Your Estate Plan Pass an Emergency Test?
A 30-minute estate plan checkup over lunch with Brian Oettinger, CFP®, using a 10-point checklist.
Events are for general educational purposes only and do not provide legal or tax advice. Attendees should consult qualified legal and tax professionals about their circumstances.
Good planning moves you confidently from one stage to the next.
Tell us where you are today, and we’ll introduce you to the advisor who works with families like yours every day.