Your outcome is not determined by products. It is determined by a handful of decisions, made in the right order. We work across the parts of your financial life that affect each other, so those decisions get made deliberately and on time. One coordinated strategy, with your other professionals brought in when needed.
When to convert to Roth, and how much. When each spouse claims Social Security. How fast to unwind concentrated stock. Which account to draw from first, and what that does to your Medicare premiums. How assets are titled when they pass. Get these right and the products almost choose themselves. The services below exist to get them right.
A living plan for real life, cash flow, insurance, and every milestone in between, updated as your life changes.
Learn more → 02Low-cost, diversified portfolios managed at the household level, with asset location and tax built in.
Learn more → 03When to retire, Social Security timing, and a written plan for which account funds which years, at what tax cost.
Learn more → 04Year-round strategy, not filing season. Roth conversion timing, withdrawal sequencing, and IRMAA, coordinated with your CPA.
Learn more → 05Beneficiaries, account titling, and a plan a spouse or successor could actually follow, coordinated with your attorney.
Learn more → 06RSUs, ISOs, NSOs, ESPPs, and deferred comp, modeled, taxed, and timed so more of the upside stays yours.
Learn more → 07Structuring income, debt, and liquidity so your balance sheet is an asset, not a source of anxiety. Part of the financial plan.
Learn more → 08Retirement plan design, compensation structure, and planning around an eventual sale or transition.
Learn more →Most financial services are siloed. Your investment manager, tax advisor, and planner each optimize their piece, without seeing the full picture. Every gap between them has a cost.
We make every decision with your full financial picture in view. Investments, taxes, and planning that work together, not in spite of each other.
Investment management is how your money is invested: allocation, cost, risk, and rebalancing. Financial planning is everything the portfolio is meant to serve, including retirement income, taxes, insurance, equity compensation, and estate coordination. Many firms sell the first and call it the second. The portfolio is one instrument in the plan, not the plan itself.
It means the same person sees the whole picture, so decisions are not made in isolation. An investment decision made without knowing your tax rate, or a Roth conversion planned without knowing your Medicare premium exposure, can be individually reasonable and jointly wrong. Coordination is what keeps the pieces from working against each other.
No. We do tax planning, not tax preparation, and we do not practice law. We work alongside your accountant and your estate attorney, and we bring the planning analysis to them so the documents and the return reflect the strategy. If you do not have either, we can suggest people to talk to.
A fiduciary is required to act in your best interest rather than recommend something merely suitable. Blackshire is fee-only, which means we are compensated only by our clients and earn no commissions on any product. The two together remove the most common reason advice gets skewed.
Your first call is 30 minutes. An honest conversation about what you're working toward.
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