Pay changes, markets move, tax rules change, a parent needs care. A financial plan that sits in a binder does not help with any of it. We build one that keeps up: the decisions in front of you first, the long view around them, and everything connected to your investments and your taxes.
Your financial life does not come with instructions. Pay changes, markets move, tax rules change, a parent needs care. A plan that lives in a binder does not help with any of it. We start with the decisions actually in front of you, a job change, a large vest, when to retire, whether to buy the second property, and build the plan around those, then keep it connected to your investments and your taxes.
The plan is revisited at least once a year and after any major life event. It updates the tax projection, the income strategy, and the risk picture against what actually happened, so it stays useful instead of becoming a document you filed once.
Planning is the layer that sits over the rest of the work. The investment portfolio executes part of it. The tax strategy is built into every recommendation. The income plan is where it all points. One person is accountable for keeping those connected.
Financial planning is the strategy: cash flow, taxes, retirement timing and income, insurance, equity compensation, and estate coordination, tied together into one plan. Investment management is the execution of one part of that plan, the portfolio. At Blackshire the same person is responsible for both, so the portfolio is built to reflect the plan.
If your investments are not connected to a tax strategy, an income plan, and your estate documents, then usually yes. The gap between an investment-only relationship and a full plan is where most of the avoidable cost sits: missed Roth conversion years, uncoordinated withdrawals, beneficiary forms that override the will.
At least once a year, and after any major event: a job change, a large vest, a market move, a marriage, a new child, an inheritance, a death in the family. The plan is meant to reflect your life now, not the one you had when it was first written.
Yes. For clients who want the planning on its own, without investment management, Blackshire provides it for a fixed annual fee based on the scope of the work. How the fee works.
Reviewed September 2026 by Henry Supinski, MBA, ChFC®, founder of Blackshire Wealth Management.
A 30-minute call, no cost or obligation. Tell us what is on your mind right now, and we will tell you what a plan would actually change.
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