Fee-only fiduciary financial planning. Independent, zero commission, built around your life.
Because your money is so much more than math.
Founder, Chestnut Beach Wealth
A long career in capital markets confirmed that time is the most valuable asset, yet I found myself spending too much of it managing my own finances. So I became a fee-only financial planner and built a tax-aware, values-driven system to change that. I run it for my own family and with every client. Because money is so much more than math. The goal is simple: your wealth should give you time, not consume it.
A one-hour consultation on an important decision, or a second set of experienced eyes to identify opportunities and bring clarity before you act.
One coordinated plan for your investments, taxes, estate, insurance, and retirement, built as a single design instead of scattered pieces. A clear path forward, and the confidence that everything is finally organized and working together.
An ongoing partnership that gives you one less thing to manage. Your portfolio stays disciplined and your plan stays current as life and tax laws change, so you can focus your time and attention on the people and things that matter most.
Illustrative scenarios based on common client situations. Not actual clients.
A couple in their early 60s had done everything right: retirement accounts maxed, house paid off, several million dollars saved. And they were still afraid to spend it.
The work wasn’t just a smarter portfolio. It was also a cash flow plan covering now, the near term, and the long term. The plan finally gave them permission to enjoy the life they worked so hard to build.
A mother in her 70s wanted to help her children while she could still watch them enjoy it. What held her back wasn’t the amount. It was fear that giving too much would cost them their drive.
The work wasn’t choosing a number. It was a plan that offered support without removing purpose: gifts tied to milestones, plus the conversation to explain why. Her children left seeing the gift as intentional, not automatic.
A business sale turned twenty years of sweat equity into a number on a bank statement overnight. After the relief of closing the deal, something like emptiness set in.
The account values changed, but the personal values didn’t. The plan was structured around creating a new life of purpose, service, and adventure.
