How I Work With Clients

I've designed my services around what people in the retirement red zone actually need—whether that's a comprehensive plan or an ongoing partnership through retirement.

Ongoing

Wealth Management

A long-term partner through retirement—planning, investment management, and proactive tax strategy.

1% / 0.5%

1% on first $2M, 0.5% above · Billed quarterly · Fee-only

  • Full financial plan with ongoing updates
  • Quarterly review meetings
  • Evidence-based investment management
  • Proactive tax planning (Roth conversions, RMDs, IRMAA)
  • Ad hoc access—you call, I answer

Best for: People who want ongoing attention and proactive planning

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One-Time

Financial Plan

A deep-dive analysis with actionable recommendations you can implement yourself.

Starting at $5,000

Final fee based on complexity ($5,000–$15,000)

  • Retirement readiness analysis
  • Tax optimization review
  • Social Security claiming strategy
  • Investment allocation review
  • Written plan with implementation guidance

Best for: Self-directed investors who want expert analysis

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Why Woolstone

Integrated Tax Planning

Most advisors ignore taxes. I make tax strategy central to every investment decision.

Evidence-Based Investing

10 years at Vanguard taught me what works: low-cost, diversified portfolios grounded in research.

Intentionally Small

I cap my client count. When you reach out, you talk to me—not a call center or associate.

Fiduciary Always

Fee-only means no commissions, no product sales. I'm legally required to act in your best interest.

How It Works

Every engagement starts the same way—a free conversation to see if we're a good fit.

1

Free Portfolio Review

30 minutes. No cost, no obligation—just an honest look at where you stand.

2

Discovery

I gather your full financial picture—goals, accounts, concerns, timeline.

3

Plan Delivery

You receive a comprehensive plan with clear, actionable recommendations.

4

Ongoing Partnership

For wealth management clients: quarterly reviews, proactive adjustments, and direct access to me.

Wealth Management

1.00% annually on first $2 million

0.50% annually on assets above $2 million

Billed quarterly in arrears. No commissions, no product sales.

Example: $1.5M in assets = $15,000/year ($3,750/quarter)

One-Time Financial Plan

Starting at $5,000

Final fee based on complexity. Most plans fall between $5,000 and $15,000.

Includes discovery meeting, analysis, written plan, and implementation guidance.

Common Questions

What's the difference between the one-time plan and ongoing management?
The one-time plan gives you a comprehensive roadmap you can implement yourself. Ongoing management means I handle implementation, monitoring, and adjustments—plus you get quarterly reviews and unlimited access to me for questions as life changes.
What's the minimum to work with you?
For ongoing wealth management, I typically work with clients who have $500K+ in investable assets. For one-time financial plans, there's no minimum—just a commitment to taking your retirement planning seriously.
How is this different from my 401(k) advisor or a robo-advisor?
Your 401(k) advisor focuses on that one account. Robo-advisors manage investments but can't help with tax planning, Social Security timing, or the complex decisions of the retirement red zone. I look at your complete financial picture and coordinate everything—investments, taxes, income, estate planning—as one integrated strategy.
Do you work with clients outside the Philadelphia area?
Yes. While I'm based in Malvern, PA, I work with clients nationwide via video meetings. The planning process works just as well virtually—and many clients prefer the convenience.

Ready to Get Started?

Schedule a free 30-minute portfolio review. I'll discuss your situation, answer your questions, and we'll see if we're a good fit—no pressure, no sales pitch.

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Virtual meetings available · Serving clients nationwide