We believe everyone should have a formal Financial Plan that coordinates their entire financial well-being. "The Plan", based on your personal goals and values, should ensure that your investments, taxes, insurance, retirement, and estate plan, are all working together intentionally. One small decision made to your investments has a ripple-on effect to taxes, income, and risk management. I optimize the effects that each of these topics has on the others. "The Plan" should be sophisticated, not complicated.