Introduction Video
About Me
Most people visiting this network have the same goal: They want professional expertise without surrendering control of their accounts. I leverage the advice-only model to provide the deep-dive analysis you need to turn your lifetime of savings into a reliable retirement “paycheck.” I specialize in serving proactive DIY investors and retirees who want to optimize the one area most advisors overlook: total tax efficiency. Because great tax planning is not just about the IRS—it’s about ensuring you can spend more of your money, for longer, with confidence.
Why Choose Milestones Financial?
As both a CERTIFIED FINANCIAL PLANNER® (CFP®) professional and an enrolled agent (EA) of the IRS, I do not just review your asset allocation. I review your tax return. I help you capture "tax alpha" by coordinating three powerful levers in retirement. My goal is to ensure your savings last as long as you do:
1. Smart Withdrawal Sequencing: I determine the optimal order for drawing from taxable, tax-deferred, and tax-exempt accounts. The Result: By optimizing your Social Security filing strategy and keeping you in the lowest possible bracket, I help extend the longevity of your portfolio.
2. Tax Harvesting (Gains & Losses): I proactively turn market volatility into an advantage—harvesting losses to offset income and strategically harvesting gains at 0% tax rates. The Result: You reset your cost basis higher and keep more of your investment growth for spending rather than taxes.
3. Strategic Roth Conversions: I identify "tax valleys"—the gap years between retirement and Social Security—to move assets into tax-free Roth accounts at today’s lower rates. The Result: You protect your future “paychecks” from rising tax rates and reduce future RMD tax spikes.
My Collaborative "Second Set of Eyes" Process
I work best with clients who enjoy managing their own accounts but want the peace of mind that comes from a professional audit.
• Specific Recommendations: I provide the exact "buy/sell/hold" instructions. You stay in the driver's seat at the custodian of your choice—Vanguard, Fidelity, Schwab, etc.
• The "Nurse's Heart" Perspective: My previous career as a Registered Nurse (RN) taught me how to be a fierce advocate for my patients. Today, I’m a fierce advocate for my clients. You get straight talk and objective analysis, never a sales pitch.
• Fee Transparency: No hidden costs, no ongoing fees, and no pressure to "upgrade" to services you do not need.
The First Step: A 30-Minute Check-In
Deciding on a financial planner is a big move. I invite you to a no-cost "Are We a Fit?" video call. We’ll discuss your "magic wand" scenario for your retirement and determine if my tax-focused, advice-only approach is the right tool to help you get there.
Mission Statement
My mission is to help clients approaching or already in retirement streamline their complicated finances by providing clear, actionable guidance so they can move forward with confidence and enjoy retirement on their own terms.
Why I Became an Advisor
When you choose to work with me, you benefit from a unique blend of experiences focused entirely on your well-being.
• Advocacy Mindset: My background as an RN taught me the importance of being a patient advocate—stepping in to protect and guide people during their most vulnerable moments. I bring this same advocacy mindset to your financial life, ensuring your long-term well-being is always the first priority.
• Dual Expertise for Tax-Smart Decisions: By being both a CFP® professional and an EA of the IRS, I go beyond typical financial advice. As an EA, I have expertise in taxation, allowing me to fully integrate tax-saving strategies into your retirement plan, helping you legally keep more of what you worked so hard to have.
• Objective, Transparent Engagement: My firm, Milestones Financial, is independent and fee-only. This means I provide advice as a fiduciary, always putting your best interests first. You get clear, objective solutions delivered through a flat-fee or hourly model, ensuring you only pay for the expert advice you need, when you need it.