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High Income Earners

You're earning more than you ever have. The question is whether your money is working as hard as you are.
Where we come in

The tactics that build the right type of wealth

Maybe you've recently hit a new income bracket and the tax bill caught you off guard. Maybe your savings are piling up in checking and you're not sure what to do with them. Maybe you're doing fine, but you suspect you'd be doing better with someone watching the whole picture.
Building an Investment Portfolio
Cash sitting in checking is losing ground every year. We build portfolios designed to put your earnings to work — diversified, tax-aware, and aligned with what you're saving toward.
Tax Strategies
High income means high taxes, but how much you pay is more flexible than most people realize. We coordinate withholding, retirement contributions, direct indexing, deductions, and timing to keep more of what you earn.
Maximizing Retirement Accounts
401(k), backdoor Roth, mega backdoor Roth, HSA, deferred comp — the alphabet soup is worth learning. Used together, these accounts can shelter a meaningful share of your income from taxes.
Debt & Big Decisions
Mortgage, student loans, a second home, private school, a business idea. Every major financial decision touches the others. We help you think them through with the full picture in view.
Future Planning
The income won't last forever, even if it feels like it will. We build a plan that turns today's earning years into tomorrow's options — early retirement, a sabbatical, a career pivot, or simply freedom from worry.

What does working with us actually look like?

We start with a conversation. No commitment, no sales pitch — just a chance to talk through where you are and what's on your mind.
If it's a fit, here's what comes next:

 

Discovery

We gather the details: income, accounts, benefits, debts, goals, concerns. We want to understand not just the numbers, but what you're working toward and why

 

Portfolio Design

We build an investment portfolio designed to put your earnings to work efficiently — diversified and structured to keep more of your returns out of the IRS's hands

 

Planning

Around the portfolio, we build a broader plan that addresses tax strategy, retirement account optimization, cash flow, debt, and the big decisions on your horizon. You see the plan, we walk through it together, and we revise it until it makes sense to you

 

Implementation

We handle the execution: opening accounts at Schwab or Altruist, coordinating contributions, setting up backdoor Roths, and all of the above

 

Ongoing Management

Your income, taxes, and goals will keep evolving. We actively manage the portfolio, revisit the plan, and stay on top of the moves worth making each year. You'll always know what you own, why you own it, and how it fits the plan
Retirees FAQ

Frequently Asked Questions

I'm already maxing out my 401(K). What else should I be doing?

A maxed-out 401(k) is a great start, but for high earners it's often just the beginning. Depending on your situation and what your employer offers, there may be additional tax-advantaged options worth exploring — things like a backdoor Roth IRA, a mega backdoor Roth, an HSA, or a deferred compensation plan. Each has its own rules and isn't right for everyone. The work is figuring out which accounts fit your situation and what order to use them in. That's a conversation worth having before another year of income comes and goes.

I'm starting to save more and more, but it's just sitting in my bank account. What should I do with it?

It's a common spot to land in — income comes in faster than decisions can be made about it. The first step is figuring out how much cash you actually need on hand for an emergency fund, upcoming expenses, and near-term goals. From there, we help you think through what to do with the rest in a way that fits your timeline and priorities, whether that's investing, paying down debt, or funding the next big decision on your horizon.

Do I really need a financial advisor if I'm already saving a lot?

Saving a lot is half the battle — the other half is making sure what you're saving is positioned correctly. High earners often have more moving pieces than they realize: account selection, tax coordination, employer benefits, and major decisions that all connect to each other. A good advisor's role is to keep the whole picture in view and surface the things that are easy to miss when you're doing it one decision at a time. And the higher your income, the more those connections matter.

Take the next step

Let's Talk

If you're earning well and want to make sure your money is working just as hard, we'd love to hear from you.
Meet with us