Holistic Planning

Holistic Planning means looking at the whole picture — investments, taxes, and estate planning working together under one roof, not in isolation.

Unlike traditional advisors or CPAs who often focus on one area or one year at a time, we take a long-term, proactive approach. Our advisors are fee-only and fiduciary — legally and ethically obligated to act in your best interest, never earning commissions or incentives that could compromise our advice. That independence is rare, and it matters.

What sets us further apart is our in-house tax practice. Most firms outsource tax work entirely or leave it to your CPA. We integrate tax planning directly into your financial plan so your investment, retirement income, and estate decisions are always informed by their tax implications — in real time, not at year-end.

Matthew Fitzgerald, CFP® — Lead Advisor, Sedona

Matthew is a CERTIFIED FINANCIAL PLANNER™ professional and NAPFA-Registered Financial Advisor — a distinction held by fewer than 5% of all CFP® professionals nationwide. After building his career in the financial services industry, he transitioned to an independent, fee-only practice to serve clients without the product pressure or conflicts that come with commission-based models.

Matthew specializes in retirement income planning, tax-efficient withdrawal strategies, and legacy planning for retirees and pre-retirees. His approach is integrative by design — investments, taxes, and estate planning treated as one conversation. He is based in Sedona, Arizona, where he lives and serves the community he calls home.