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Foundation Plan — Get The Bones Right.
A coordinated financial plan for households with $500K–$3M in net worth. Tax, retirement, investments, and the basics of estate — together, in one strategy.
The Right Starting Point For Coordinated Planning.
Most households who reach $500K–$3M in net worth do it by working hard, saving consistently, and listening to good general advice. Then their life gets complex enough that general advice stops working — a second income, a bigger tax bill, a home that doubled in value, a 401(k) that suddenly matters.
Foundation Plan is the engagement designed for that transition. We build your first true coordinated plan: tax strategy, retirement direction, investment policy, basic estate documents, and the connections between them. You leave with a written plan and the operating cadence to keep it current.
Ideal Client
Foundation Plan Is Right For You If…
Your household net worth is $500K–$3M and growing.
You earn $200K+ and your tax bill keeps climbing.
You contribute to a 401(k) but have no broader retirement strategy.
You have basic estate documents — or none — and have been meaning to fix it.
You hold investments across multiple accounts with no unified plan.
You want one professional coordinating tax, investments, and estate.
What's Included
Inside The Foundation Plan Engagement
Coordinated Discovery
We map your full financial picture — income, accounts, debts, entities, beneficiaries, documents — in one consolidated view.
Tax Strategy Review
Two-year return review, current-year tax projection, and identification of 2–4 specific planning moves to make before year end.
Investment Policy
Unified investment policy across accounts, with risk and tax considerations coordinated to your retirement timeline.
Retirement Direction
Retirement income modeling, Social Security strategy preview, and contribution optimization across employer and personal accounts.
Basic Estate Review
Will, POA, healthcare directive, and beneficiary review. Coordination with an estate attorney for any documents that need to be drafted or updated.
Written Plan
A clear, actionable written plan you keep — not a 70-slide deck. Built around what you actually need to do in the next 12 months.
Expected Outcomes
What You Walk Away With
A coordinated plan that ties tax, investments, retirement, and estate together for the first time.
A specific list of 5–10 actions to take in the next 12 months, with clear sequencing.
Clarity on whether your current investment strategy matches your retirement timeline.
Tax planning moves to implement before December 31 — not after.
Basic estate architecture in place so a sudden event doesn't become a sudden crisis.
An annual review cadence to keep everything current as life changes.
Free Guide
The Coordinated Wealth Blueprint
7 costly financial planning mistakes affluent families make — covering tax planning, estate planning, retirement, asset protection, trusts, business succession, and generational wealth transfer.
What This Looks Like
A Typical Foundation Plan Engagement
Situation: A dual-income household in Bowie, MD, ages 42 and 44, with $1.4M in net worth. Two 401(k)s, a brokerage account, a 529, a starter rental property, and a will from 2015 that no longer matches their life.
What we did: Restructured 401(k) contributions to maximize match and Roth, set up a backdoor Roth strategy, modeled retirement at age 60 with three drawdown scenarios, repositioned the brokerage account around tax-loss harvesting, identified $7,200 of annual tax savings, and coordinated an estate attorney to update the will and add a revocable trust for the rental property.
Outcome: A written 12-page plan, a 12-month action list, and an annual review cadence. The household now operates with one coordinated strategy instead of four disconnected accounts.
Investment
Investment In Foundation Plan
Foundation Plan is priced as a flat planning fee, disclosed in writing before engagement and quoted directly on the fit call based on complexity.
Most engagements include the planning fee and an optional annual review retainer for ongoing coordination.
We do not earn commissions on investment recommendations. Fees only.
Frequently Asked Questions
Common Questions
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The Legacy Wealth Brief
One high-impact wealth strategy, delivered every week.
Insights on tax planning, estate planning, retirement income, business ownership, and generational wealth.
Build The Plan You've Been Meaning To Build.
Schedule a complimentary 30-minute fit call. We'll confirm whether Foundation Plan is the right starting point — or whether something else fits better.