The Route Plan

A modern way to plan.

Financial planning shouldn't feel like a stack of PDFs and quarterly surprises. We blend human advice with modern technology so your plan stays current, collaborative, and effortless to follow.

Start with an intro call

Four steps

From hello to a plan that's working for you.

Simple, transparent, and built around you.

Start with an intro call

Step 01 · Basecamp

Intro call

A relaxed 30-minute call to get to know each other and see if we're a fit. First dates can be awkward, but hopefully it's the start of a long, good relationship. No obligation, no pitch.

Step 02 · Mapping

Building your plan

We dig into your goals, cash flow, investments, and taxes to draw a clear roadmap for your financial life. It might take a few meetings. You can't rush a good map.

Step 03 · Ascent

Implementation

This is where you become a client. We handle the paperwork, move accounts over, and start putting the plan to work.

Step 04 · The Long Trail

Ongoing guidance

You've got a trusted advisor in your corner as life changes. We meet at least once a year, and you can reach out whenever you need. That's the whole point.

The Route Plan

The same four waypoints, every time.

Basecamp to get to know each other, Mapping to build the plan, Ascent to put it to work, and the Long Trail for everything after. You always know which one you're standing on.

Aerial view of trail switchbacks climbing a forested mountainside at dawn

Why we call it the Route Plan

A good plan is a route, not a lecture.

It shows where you are, where you're headed, and the next turn. When life moves the terrain, the map gets redrawn. That's the whole philosophy.

Start with an intro call

How it feels to work together

Human advice, modern tools.

Always-on collaboration

A secure client portal keeps your net worth, accounts, and to-dos current, so you're never digging through old PDFs.

Real-time insights

Automated data aggregation surfaces cash-flow trends, tax opportunities, and investment drift as they happen.

Paperless onboarding

Digital forms, e-signature, and a streamlined account-opening experience with our custodian, Altruist.

Clear meetings, clear follow-through

Every meeting ends with a summary and action items, and you get a living checklist you can track anytime.

Tax-aware by design

Scenario modeling shows the after-tax impact of decisions before you make them, not after.

Security first

Bank-level encryption, multi-factor authentication, and strict data-sharing controls protect your information.

Investment philosophy

Invest cheaply. Manage taxes relentlessly.

Active management rarely wins consistently. After fees and taxes, most active strategies lag their benchmarks, so we build around low-cost, tax-aware index investing and put the energy where it compounds: planning and taxes.

Passive, low-cost ETFs

Market-wide diversification across US stocks, international stocks, and bonds through broad, low-cost funds that tightly track their indexes. We rebalance to your targets on a schedule and when drift crosses a threshold.

Direct indexing in taxable accounts

Instead of a single index fund, we can own the individual stocks that make up the index, so we can manage taxes at the position level, not just the fund level.

Tax-loss harvesting

We systematically realize losses to offset gains and income while keeping similar market exposure, using wash-sale-aware replacement rules.

Basis & transition management

We lot-track to optimize which shares to sell when you need cash, and can set capital-gains budgets to transition existing holdings over time rather than triggering a big gain all at once.

Let's build something together

If you're looking for a financial partner who's in it for the long haul, let's talk.

See if we're a fit See how it works

No obligation. No sales pitch. Just a conversation.

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