How We Work Together

Our work is built for people designing life beyond traditional career paths, retirement timelines, or geographic boundaries.

If you are here, you likely believe that pursuing a passion, a life goal, or a family adventure matters more than simply accumulating more wealth.

In our twenties my wife and I realized we did not have any stories to tell. Life was comfortable, but it felt unfinished. Since then, we have built a life focused on meaningful experiences rather than conventional milestones.

Rudder Financial exists to help you do the same. Our planning focuses on the life you want to live today, not just a distant retirement date. We build clear, practical strategies that help you move toward your biggest goals before time and opportunity pass you by.

You will gain a clear view of your financial picture and a plan designed to fund your version of adventure, whether that means sailing across oceans, exploring the national parks, or creating something entirely your own. Together, we chart a path forward with intention.

When you become a client, you are gaining more than financial guidance. You are partnering with someone who understands independence, uncertainty, and what it takes to turn ambitious ideas into reality.

Captain

  • Multiple Zoom sessions to deeply explore the “Grand Adventures” you want to fund. Line-by-line rigging check of your current investments, net-worth and cashflow analysis, plus a full tax-efficiency audit. Stress testing portfolio models to determine how that sailing trip or RV year affects your long-term security. Fully handled investment management.

  • I personally manage your "rigging" (investments) through Schwab’s Custodial Service, adjusting for market storms as they happen. I also monitor for proactive tax-strategies throughout the year.

  • Reach out any time you have a question or concern. Thinking about making a big purchase and want to discuss it? Have a stock you’d really like to invest in? Concerned about the state of the market? Want an update on where you’re at? Just want to talk about life, travel, adventure? Call or text me whenever.

  • Regardless of how much we’ve talked, we’ll meet at least twice a year to adjust your plan for new dreams and life changes.

  • No hourly rate.

    As your Captain I am always on watch with you. My fee covers the behind-the-scenes work—the daily portfolio monitoring, the tax-efficiency 'rigging checks,' and the market research—so that you can stay focused on the adventure. I’ll make sure you don't just reach retirement, but that you fund your biggest dreams along the way without ever having to worry about the logistics.

    Annual Advisory Fee is based off of total assets under management (AUM):

    $0 – $1,000,000 - 1.00%
    $1,000,000 – $2,000,0000 - .90%
    $2,000,000 – $5,000,0000 - .80%
    $5,000,000 and Above - .70%

    Annual minimum fee of $3,500.

Design and Build Your Perfect Financial Future.

Whether you're planning a life-changing adventure or securing a work-optional future, let’s see if Rudder is the right partner to get you there. Fill out the details here, and you'll be invited to book a brief, no-pressure discovery call.