Yes. We abide by and are held to the fiduciary standard 100% of the time.

(Note for the wise, if the answer you get from someone beats around the bush any more than that, the answer is probably no.)

Most financial advisors come from one background — tax, investment research, or general financial planning. Nick holds all three of the field’s most respected credentials:

A Certified Public Accountant (CPA) is a licensed accounting professional with deep tax expertise, ensuring every planning decision accounts for what you’ll actually keep after taxes.

The Chartered Financial Analyst (CFA) designation focuses in investment management and portfolio strategy, with a disciplined, research-driven approach to building and managing portfolios.

A CERTIFIED FINANCIAL PLANNER® professional takes a big-picture view of clients’ goals as they relate to all areas of financial planning — cash flow, retirement, investments, taxes, insurance, and estate planning — and helps clients stay on track to reach them.

Together, these credentials reflect a high standard of knowledge, ethics, and commitment —giving you the confidence that your financial future is in expert hands.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® and CFP®(with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Our clients typically come to us as corporate professionals who are within 5-10 years of retirement and have accumulated significant savings, typically $1M or more in investable assets.

Our typical clients have generally done everything “right”: maxed out their 401(k) for decades, built real wealth, and lived below their means. Now they’re facing new and different questions around reducing taxes, when they should retire, and how to turn their nest egg into an income stream that will last the rest of their lives. If that sounds like you, we’re probably worth a conversation.

Most of our client relationships are comprehensive, meaning that we handle both the financial planning and the investment management together. That integration is where we do our best work, and it's how we're able to connect tax planning decisions directly to your portfolio in real time. That said, we'd encourage you to bring this up in your initial consultation so we can talk through what makes sense for your situation.

Probably yes, and here’s why. Most CPAs are excellent at filing an accurate return. What they typically don't have time for is proactive, multi-year tax strategy: running Roth conversion scenarios, modeling your required minimum distributions (RMDs) a decade out, flagging Medicare surcharge exposure before it hits, or making sure your investment decisions and tax situation are working together. As a CPA myself, I have deep respect for what a great tax preparer does — and I also know exactly where the gaps tend to be. We collaborate closely with your existing CPA rather than replacing them.

Yes, and this is important to us. The best financial plans account for both partners' goals, risk tolerance, and vision for retirement — not just one spouse's. We require both partners to attend our meetings for exactly this reason. Decisions made with full information and full buy-in hold up better over time.

Both. We're based in Cumming, GA and are happy to meet in person with local clients. That said, we're a virtual-first practice — most of our meetings happen over video, which our clients find just as effective without the commute. We work with clients across North Atlanta and virtually nationwide.

Platforms like Fidelity and Vanguard are excellent at holding and investing assets at low cost. What they don't provide is a dedicated advisor who knows your full picture — your tax situation, your company stock, your retirement timeline, your family goals — and proactively brings you a plan when something changes. We do. Think of it less as either/or and more as what's missing from what you already have.