Comprehensive Services.
Tailored to your life.
From retirement planning to tax strategy, every service we offer is designed to work together — giving you a complete, conflict-free financial plan built around what matters most to you.
Our Approach
Not just a list of services —
a complete financial picture
Most financial firms treat each service as a separate silo. At My Financial Coach, every service we offer is connected. Your investment strategy informs your tax plan. Your retirement timeline shapes your estate plan. Your insurance coverage anchors your risk profile. We see it all together — because that’s how real financial health works.
Experience delivering comprehensive planning
Zero Commissions — ever. Pure fee-only advice.
Integrated service areas working together for you
Families and business owners served
BEST FOR:
Anyone who wants a clear financial roadmap — from young professionals just starting out to families navigating complex decisions to those approaching retirement.
THE FOUNDATION
Financial Planning
A financial plan isn’t a document — it’s a living roadmap. We start by listening deeply to understand where you are, where you want to go, and what’s standing in the way. Then we build a comprehensive, personalized strategy that addresses every dimension of your financial life — and we revisit it with you regularly to keep it aligned with reality.
WHAT'S INCLUDED
- Net worth & cash flow analysis — a clear picture of where you stand today
- Goal prioritization — retirement, education, home purchase, legacy, and more
- Written financial plan — delivered in plain English, not financial jargon
- Scenario modeling — "what if" analysis for life's major decisions
- Ongoing plan reviews — regular check-ins to adapt as your life evolves
BEST FOR:
Individuals and families who want their investments actively managed by a fiduciary — with no hidden fees, no proprietary products, and no conflicts of interest.
THE FOUNDATION
Investment Management
We believe successful investing isn’t about chasing returns — it’s about building a disciplined, diversified strategy you can stick to through every market cycle. As fee-only fiduciaries, we earn nothing from the products we recommend, so every investment decision is made entirely in your interest.
WHAT'S INCLUDED
- Risk tolerance assessment — building a portfolio you can sleep with at night
- Asset allocation strategy — diversification across stocks, bonds, and alternatives
- Tax-loss harvesting — minimizing your tax bill while maintaining exposure
- Regular rebalancing — keeping your allocation on target through market swings
- Performance reporting — clear, honest reports you'll actually understand
BEST FOR:
Anyone with dependents, significant assets, a family business, or specific wishes for how their estate should be handled. Especially important for blended families and business owners.
LEGACY
Estate Planning
Estate planning isn’t just for the wealthy — it’s for anyone who wants to protect their family and ensure their wishes are honored. We work alongside your attorney to make sure your estate plan and your financial plan are fully aligned, so nothing falls through the cracks.
WHAT'S INCLUDED
- Estate plan review & coordination — working with your existing attorney or referring one
- Beneficiary designation audit — ensuring your accounts align with your wishes
- Trust strategy guidance — when and how trusts can benefit your family
- Estate tax minimization — strategies to reduce the tax burden on your heirs
- Charitable giving strategies — DAFs, bequests, and gifting to causes you care about
BEST FOR:
Those within 10 years of retirement, newly retired, or anyone who wants to ensure their retirement plan is solid and their income will last a lifetime.
RETIREMENT
Retirement Planning
Retirement is the goal most of our clients are working toward — and the one that requires the most careful planning. Whether you’re 20 years out or preparing to retire next year, we build a strategy that ensures your money outlasts you, your taxes stay low, and you can live the life you’ve worked so hard for.
WHAT'S INCLUDED
- Retirement readiness analysis — do you have enough, and when can you retire?
- Social Security optimization — the right claiming strategy for your situation
- 401(k) & IRA strategy — contribution, distribution, and conversion planning
- Sustainable withdrawal planning — income strategies designed to last 30+ years
- Medicare & healthcare planning — navigating costs in retirement
- Long-term care considerations — planning for future health and care needs
BEST FOR:
Working professionals, business owners, and anyone with dependents who wants to ensure their family is protected if the unexpected happens — without overpaying for coverage they don’t need.
PROTECTION
Risk Management
Insurance is one of the most underplanned areas of personal finance. Most people are either over-insured in the wrong areas, under-insured in the critical ones, or paying too much for policies that don’t serve them. We take a holistic look at your entire risk picture — and help you protect what matters without overpaying.
WHAT'S INCLUDED
- Life insurance analysis — right coverage, right amount, right structure
- Disability income protection — your most important asset is your ability to earn
- Liability coverage review — umbrella and personal liability adequacy
- Long-term care planning — protecting your wealth from extended care costs
BEST FOR:
High-income earners, retirees drawing from multiple account types, business owners, and anyone who suspects they’re paying more in taxes than they should be.
TAX EFFICIENCY
Tax Strategies
Taxes are often the single largest expense in a financial plan — yet most people only think about them in April. We integrate tax planning into every recommendation we make, throughout the entire year. The result is a strategy that legally minimizes what you owe and keeps more of your money working for you.
WHAT'S INCLUDED
- Tax projection & planning — proactive strategies before year-end, not after
- Roth conversion analysis — converting at the right time, in the right amount
- Tax-efficient withdrawal sequencing — which accounts to draw from and when
- Capital gains management — harvesting losses and timing gains strategically
- Business owner tax strategies — entity structure, retirement plans, deductions
- Coordination with your CPA — we work alongside your tax preparer for a seamless plan
Who we serve
Plans built for real lives,
not just portfolios.
We create a financial system for you.
Most advisors specialize in one area. We see the entire picture — and that’s where the real value is. Every service we provide connects to every other, creating a compounding advantage most clients have never experienced before.
01
Your investment strategy reduces your tax bill
Asset location, tax-loss harvesting, and account type optimization all work together.
02
Your retirement plan shapes your estate strategy
Beneficiary designations, Roth conversions, and trust structures align with your legacy goals.
03
Your protection plan anchors everything else
The right insurance coverage ensures your financial plan survives any unexpected event.
04
Tax efficiency amplifies your investment returns
Reducing your tax drag year-over-year has a dramatic compounding effect over time.
05
Your financial plan drives every decision
Every recommendation we make traces back to your goals, timeline, and values.
06
All of it, reviewed together — regularly
Life changes. We meet with you regularly to keep every piece of your plan aligned.