Financial Advisor for Arcadia, Phoenix

Arcadia has a particular kind of wealth. Much of it is sitting in a house someone bought in 1987 for a fraction of what it's worth now, on a lot that used to be a citrus grove. That's a good problem. It's also a planning problem, and it's not the one most portfolios are built to solve.

When a large amount of your net worth is your neighborhood

Arcadia real estate has appreciated in a way that makes for pleasant conversation and complicated planning. A few things we see constantly:

Concentration. When one asset represents a large share of your net worth, diversification stops being a portfolio question and becomes a life question. Sell and trigger capital gains? Borrow against it? Stay and accept the concentration? There's no universally right answer, but there is a right answer for your situation.

Basis and gains. A property held for thirty-plus years carries a capital gains exposure that surprises people. Timing, exclusions, step-up at death, and charitable strategies all change the math considerably.

Staying put. A lot of Arcadia families don't want to leave, and their children want the house. Keeping a highly appreciated property in the family across generations takes structure, not just intent.

Property tax and insurance drift. Carrying costs on a home worth several times what you paid have a way of quietly reshaping a retirement income plan.

Legacy planning for multi-generational families

Arcadia is a neighborhood people stay in. We work with families where the grandparents bought on East Exeter, the children live a few streets over, and the grandchildren go to the same schools. That continuity is worth planning around. We bring adult children and grandchildren into the conversation early - not to hand them a spreadsheet, but so they understand the estate plan and their own finances before they're making decisions during the worst week of their lives.

What we do

Estate and legacy planning. Trusts, beneficiary alignment, and coordination with your attorney. Concentrated position strategy - for real estate and for equity.

Retirement income planning. Social Security, RMDs, Roth conversions, and withdrawal sequencing.

Tax planning. With your CPA, on the same page rather than in parallel.

Investment management. Fee-only, fiduciary, no product sales.

Family financial education. The next generation, brought in early.

Who we work with

Families with $1 million or more in investable assets. We're a team of five and we intend to stay that size, which means we're selective about who we take on and generous with the time we give the people we do.

Around the neighborhood

We're at Industrious Fashion Square monthly for Morning Club, a few minutes east on Camelback. Client socials move around Scottsdale, and we're on the trails through Camelback and Papago in the cooler months. We'd rather see you at a trailhead than only at an annual review.

Areas we serve

Arcadia proper, Arcadia Lite, Camelback East, Biltmore, North Central Phoenix, and Paradise Valley - plus Scottsdale, Tempe, and the greater Phoenix metro.

See if you're a fit

  • Regularly, and it's common in Arcadia specifically. When a single property represents a large share of net worth, the questions become concentration risk, capital gains exposure, carrying costs, and whether the property stays in the family. We plan around the whole picture rather than only the investable portion - though our $1 million minimum does refer to investable assets.

  • Our office is at 222 S. Mill Ave. in Tempe, roughly twenty minutes from Arcadia. We also meet clients in their homes, at satellite locations, and virtually.

  • We'd insist on it. Part of the value we add on estate and tax work comes from getting the three professionals in the same conversation. Plans fail in the gaps between advisors far more often than they fail on the merits.