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Most people come to financial planning because something has shifted. A new job. A sale. A moment where the math of the next decade stopped looking obvious. The questions get larger and the answers stop being one-offs.
Planning is the framework behind every decision we help you make. Tax, investments, estate, and everything else are coordinated at a structural level. The result is a plan that shows what is possible without losing sight of the details.
Tax, investments, estate, retirement, and insurance live in one plan rather than five. A move in any one category means preparing the others. Trade-offs are weighed against the whole picture rather than one practice in isolation.
Retirement income, tax positions, estate timing, and insurance coverage get projected for a long enough horizon that short-term noise stops mattering. Scenarios run against bad markets, tax-law shifts, and the life events that change the math. The plan is built to hold up before it has to.
The plan reopens when the math underneath it changes. Marriage, sale, inheritance, illness, loss, or a major decision that wasn't on the table when the plan was built. The framework is built to absorb those changes rather than crack under them.
We solve for the cracks between tax, investments, estate, and insurance, where mistakes can compound. The advisor responsible for the plan is also the one leading tax planning, managing the portfolio, and collaborating with your estate attorney.
A real discussion of where you are, what's prompting the look at planning, and what you'd want from an advisor. No deliverables, no pressure. By the end, you'll have a clear sense of whether this is the right fit and what working together would look like.
This is every account, every policy, every entity, every obligation — tax returns, statements, beneficiary designations, equity grants, business interests, estate documents. The plan can only account for what it can see, so this is where it all comes into view.
Analysis across every practice is looked at together. Tax positions, investment allocations, retirement scenarios, estate alignment, insurance exposure ... You see the recommendations in plain language, with the trade-offs laid out.
The plan becomes how decisions get made. Tax moves coordinated with investment changes, beneficiaries updated, documents aligned, accounts restructured where they need to be. The work happens inside our team, so the plan executes the way it was designed.
Marriage, birth, sale, inheritance, illness, loss. Each one reopens the plan, because the math changes when the situation does. The relationship is built to keep the plan current as your life moves.
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Financial planning compounds over decades, and so does the relationship that runs it. The senior advisor you start with is the same person you'll rely on throughout.
Our advisors keep concentrated client books so they can stay in the work themselves. When a question crosses into tax, estate, or investments, the specialists are in-house and one conversation away.
Rob works with founders, executives, and families navigating concentrated wealth, business exits, and generational planning. He founded Arrowroot in 2013 and leads the firm from Southern California.
Cassandra works with clients on retirement planning and Medicare strategy, with deep expertise in healthcare cost planning and the tradeoffs that shape later-life decisions. She is a licensed insurance agent with more than 12 years in financial services.
Crystal works with individuals, families, and business owners on financial planning, investment management, and tax strategy. She is a CFP® and IRS Enrolled Agent with over two decades of experience.
Irene oversees operations and regulatory compliance across the firm. She brings more than 22 years of financial services experience across investments, capital markets, operations, management, and sales.
Mark works with families and business owners on financial planning, portfolio management, and tax strategy, with a particular focus on cash flow and long-range projections. He is a CFP® and IRS Enrolled Agent.
Diane works with individuals, families, executives, and retirees on retirement planning, investment strategy, and long-term wealth management. She is an Accredited Investment Fiduciary® with over 30 years of experience.
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Building a business creates a personal wealth situation the business itself won't manage. Concentration in the company, deferred compensation, an eventual exit, and the retirement that follows each carry their own math. Decisions on the company side get coordinated with the personal plan so the two sides move together.
Threads through every investment decision and every estate document. Tax efficiency depends on timing as much as choice. Decisions get made so the math holds up across decades rather than quarters.
Built around the obligations the portfolio has to meet. Holdings fund retirement income, education, gifting, and the unexpected on schedules that match real life. Risk gets calibrated to the work, and tax planning runs through every position.
At the center of cash flow, tax, and investment decisions, this long phase has its own math at every stage. Income, taxes, and sequence get modeled so the timeline holds up under stress. The work continues across every transition retirement contains, since one phase rarely sets the pattern for the next.
Touches every other practice the moment something changes. Estate, tax, and investment positions stay aligned so the structures still work when the time comes. Documents get revisited as the family and the assets shift.
Protects what's been built when something happens. Coverage gets sized to real exposure across business interests, dependents, and estate liquidity. As obligations shift, coverage shifts with them so the protection matches the situation.
Stock from your employer carries three identities at once: a tax position, an investment position, and a concentration risk. Vesting, exercise, sale, and AMT decisions get weighed together rather than separately. Timing of each gets coordinated against the broader picture.
Financial Planning is the practice that integrates the others into one plan. Tax decisions get made with investments in view, estate work gets shaped by the cash flow strategy, equity compensation gets calibrated against the rest of the picture. The plan holds together because one advisor guides it.
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Tell us where you are, where you're headed, and what you're working with. We'll help you get there.
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