I want the opportunity to manage your investments and grow your long-term wealth, but in order to do so you need to be financially secure NOW. Otherwise you’re only one emergency away from being broke, which isn’t good for either of us.

Wealth management is a holistic structure built upon a foundation of protection and supported by pillars of financial planning, consulting, estate planning, and tax management to achieve goals — Now, Soon, and Later.

The terms “protection” and “risk management” are generally code words you’ll hear from financial professionals who don’t want to use the word “insurance” because, let’s face it — talking about or buying insurance is right up there next to a used car negotiation or maybe a root canal.

However, as a fee-only RIA and fiduciary advisor, I can objectively advocate for the critical role that insurance plays in a financial plan without trying to sell you anything.

Additionally, I have a focused expertise on estate & business planning, which makes Canopy Financial Solutions a much more competent and easy choice for affluent and high net worth clients. Nonetheless, regardless of your net worth, I will consider your situation and objectives and provide honest feedback on my ability to work with you.

My approach to financial planning and consulting is to to provide relevant point-in-time services and solutions to basic questions most people have, like:

Based on my time and experience in the wealth management industry, this simplified approach results in more accurate and timely advice

This is more cost efficient to the client compared to an ongoing comprehensive planning agreement that many professionals recommend where the delivered plan is an overwhelming compilation of graphs, cash flow tables and other complex (and often useless) jargon — a common industry tactic and attempt to convince clients they are receiving actual value for their fee. I provide clear deliverables in terms you can understand.

Bottom line — you want your assets to grow and some help managing uncertainty along the way.

That’s what Canopy Financial Solutions is about.

Wealth Now & Wealth Later

"how much do I need to retire?"

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"how long will my nest egg last if I need $10,000 a month?"

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"what's the difference in all these pension options?"

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"what should I do with my old 401k?"

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can someone please explain my employer benefits?"

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"what's the best way for a business owner to save for retirement?"

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"do I need a trust or just a basic will?"

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"how much do I need to retire?" ~ "how long will my nest egg last if I need $10,000 a month?" ~ "what's the difference in all these pension options?" ~ "what should I do with my old 401k?" ~ can someone please explain my employer benefits?" ~ "what's the best way for a business owner to save for retirement?" ~ "do I need a trust or just a basic will?" ~

Other Pillars of Wealth Management

  • Financial Planning & Consulting

    I believe that the best financial plan involves an active investment philosophy that is Alpha-focused, and ROI driven. This is what differentiates Canopy Financial Solutions from the mundane alternatives.

    As life happens, we’ll address your specific planning needs through either fixed-fee financial planning or hourly consulting to get you to the solution that meets your needs — whether it is a comprehensive retirement forecast, tax distribution strategy, employer benefits review, or some other point-in-time concern that keeps you up at night.

  • Protection & Risk Management

    Transfer risk from yourself to an insurance company through affordable policies that meet your needs. Whether it’s personal, family or business related, Canopy Financial Solutions can help you close your coverage gaps and objectively recommend insurance needs to make sure you are protected from uncertainty.

    Protect your income with Disability Income Insurance.

    Protect your family with Life Insurance.

    Protect your dignity with Long Term Care Insurance.

  • Estate & Succession Planning

    Your financial plan shouldn’t stop working for you at the end of your life. In fact, these are most important times to consider how your final wishes and legacy will be carried out.

    Estate planning is not just for the wealthy. New legislation and tax code changes are inevitable, which makes it necessary to have updated legal documents in place that align with your goals and wishes.

    Examples include: Wills, Trusts, Powers of Attorney, Advance Directives, Charitable Giving, and Life Insurance.

    If you’re an entrepreneur, succession and continuation planning is like an estate plan for your business.

  • Emergency Preparation & Bucketing

    Don’t let a common emergency sink you into debt because you weren’t prepared. Start saving your money with a “pay yourself first” mentality. Establish a secure emergency fund and other “buckets” that align with your timeline and goals — things like college savings, new home down payments, or just grow normal life assets for “dream big” goals.

    Canopy Financial Solutions investment clients all have access to Altruist Cash, a high yield, FDIC insured (up to $6M) savings account with no fees or expenses — a great place to set aside 4-6 months of monthly expenses to knock out that emergency fund.

    If you’re not quite there, ask me how you can improve.

NEXT: Client Onboarding & Engagement