Planning for Success
We guide you each step of the way
Planning for long-term success incorporates three essential elements that establishes a solid foundation for your future.
Financial Planning
Everything begins with a solid foundation.
Tax and Insurance Strategies
Optimize net earnings and protect your wealth.
Estate and Legacy Planning
Reflect your values and mission in your gifts.
Financial Planning
Financial planning is foundational to everything we do. It’s about understanding you and what really matters to you—and building a roadmap that connects your financial decisions to those priorities.
We begin with Discovery: Learning about your values, your goals, and what a successful life looks like to you. From there, we develop a dynamic plan that brings together the following elements:
Cash Flow & Budgeting
We help you understand where your money is going, make smart choices about saving and spending, and build habits that support long-term financial health.
Value-Based Planning
Whether it’s early retirement, buying a second home, starting a foundation, or taking a sabbatical, we quantify your goals and map out a strategy to reach them.
Investment Strategy
We design cost-efficient investment plans that are built for diversified growth and tailored to reflect your philosophy.
Retirement Readiness
We model different retirement scenarios to help you determine when you can retire, how much you’ll need, and how to sustain your lifestyle throughout retirement. Learn about latest IRA options to consider.
Ongoing Monitoring
Life changes, and so should your plan. A relationship with RSS is built on trust. We provide regular reviews and proactive guidance to help you stay on track.
Cash Flow & Budgeting
We help you understand where your money is going, make smart choices about saving and spending, and build habits that support long-term financial health.
Value-Based Planning
Whether it’s early retirement, buying a second home, starting a foundation, or taking a sabbatical, we quantify your goals and map out a strategy to reach them.
Investment Strategy
Your portfolio should reflect your risk tolerance, time horizon, and long-term objectives—not just market trends. We design cost-efficient investment plans that are built for diversified growth and tailored to reflect your philosophy.
Retirement Readiness
Ongoing Monitoring
Life changes, and so should your plan. A relationship with RSS is built on trust. We provide regular reviews and proactive guidance to help you stay on track.
A well-crafted plan gives you more than numbers – it gives you
peace of mind and the ability to make decisions with confidence.
Tax & Insurance Strategies
Planning for success means managing not just what you earn—but what you keep and what you protect. Tax and risk management are two of the most overlooked, yet powerful, levers in financial planning.
Tax Planning Strategies
We work to identify opportunities for tax efficiency both now and over the long term. Our strategies are always coordinated with your CPA or tax professional and may include:
Tax-Efficient Investment Management
Using asset location strategies, tax-loss harvesting, and tax-aware fund selection.
Retirement Income Planning
Structuring withdrawals and Roth conversions to minimize taxes in retirement.
Charitable
Giving
Equity Compensation Planning
For clients with RSUs, ISOs, or ESPPs, we provide guidance to minimize tax surprises and optimize timing.
Insurance Planning
Insurance can be cornerstone of financial resilience. We help assess your coverage and identify where it’s serving you—or where it might need adjustment.
Life Insurance
Protect your family and legacy with the right level and type of coverage, whether for income replacement, estate liquidity, or business planning.
Disability Insurance
Your ability to earn is your most valuable asset. We help ensure it’s protected.
Long-Term Care
Property & Casualty Coordination
Our goal is to ensure that your plan is tax-efficient, appropriately protected, and built to last—no matter what the future holds.
Estate & Legacy Planning
Estate planning is about more than preparing for the end of life – it’s about being intentional with what you’ve built and how it impacts others, both now and in the future.
We help you think holistically about your legacy: not just who inherits your assets, but how those assets are used, understood, and preserved. Our estate and legacy planning services include:
Wills & Trusts Review
We coordinate with your estate attorney to ensure your documents are up to date, aligned with your wishes, and structured for tax efficiency.
Wealth Transfer Strategies
From gifting to trusts to charitable giving, we guide you through options for passing wealth in a way that reflects your values and reduces estate tax exposure.
Beneficiary Coordination
We help you align retirement accounts, insurance policies, and investment accounts with your estate plan so nothing falls through the cracks.
Family Education & Communication
Preparing the next generation is just as important as preparing the paperwork. We help facilitate conversations and build financial literacy across generations.
Philanthropic Planning
If charitable giving is part of your legacy, we help structure your gifts for maximum impact—during your lifetime and beyond.
By being proactive and clear about your intentions, you can help protect your loved ones, reduce legal complexity, and ensure that your legacy is carried out as you envision.