Stop Letting Taxes Kick You In Your Assets
We help the millionaire next door build a tax-intelligent retirement plan and finally sleep well at night by answering their 2 AM questions.
That's why we built a planning approach that integrates investments, income, legacy and taxes.
Many retirees still work with an advisor who only manages a portfolio and little else.
That might've been fine while you were working and accumulating. But now? Retirement brings different questions, like:
- How much can I safely spend each year and where should it come from?
- Am I paying more taxes than I need to?
- Will my spouse be okay if something happens to me?
- What's with all these acronyms: RMDs, IRMAA, QCDs?
Just like you've upgraded homes, cars, vacations and hobbies, sometimes the advisor who got you to retirement isn't the right one to get you through it.
We help retirees build a real plan. One that simplifies decisions, helps reduce taxes, and gives you the confidence to use your money to bring joy to your life with the people, causes and experiences that matter most.
Everything we do is designed to be tax-intelligent, because taxes don't retire just because you do.
Chuck & Mary Lou
"Terrie's a rare individual; he does exactly what he says he's going to do. He has been a great help with all the planning that's involved with retiring and living it well. I would tell anyone considering working with Terrie. Do it. Absolutely. Just do it."
John & Kathleen
"We've been working with Terrie for about a dozen years and we got really lucky to have met him. He's very down to earth and explains things in a way we can understand. Whether it's trying times or a really positive time, we feel really secure."
I'm not just here to manage your money, I'm here to help you simplify retirement, reduce taxes, and feel confident spending what you've worked so hard to save.
As a lifelong educator and CERTIFIED FINANCIAL PLANNER, I work with retirees in the Twin Cities that I call the "Millionaire Next Door." Folks who've saved well, lived modestly, and now wonder: How much can I really spend and will it last?
I focus on more than just investments. I help my clients build real plans, plans that turn retirement questions into clarity and fear into freedom. I love hearing their stories after a dream vacation, a meaningful gift to a cause or a family celebration they didn't think they could afford.
Want to know why I care so much about helping retirees? Here's the story that shaped how I approach planning and the families I work with.
Full-Service Wealth Management (Most Popular)
We build it with you and stay to maintain it.
You get a partner, not just a plan.
We create the blueprint, help you build it and continually maintain it as life, markets or tax laws change. We proactively coordinate investments, income, legacy and tax planning, all in one place.
A retirement plan isn't something you build once. It's something that needs ongoing care and updates over time.
Price:
- 1.50% on households under $500.000
- 1.25% on households from $500,000 - $1,000,000
- 1.00% on households over $1M
- 0.9% on households over $2.000.000
Best for:
People who value expert guidance, want coordination and prefer not to build and maintain everything on their own.
Planning-Only Engagement (Blueprint Only)
You get the blueprint.
The building and upkeep stay with you.
Together, we create a clear retirement blueprint across allL four pillars. You leave with a complete plan and ongoing planning check-ins, but the building and maintenance of that plan stay with you.
You receive the architectural plan. The construction and maintenance stay on your side.
Price:
- $7,500 first year & $5,000 Annual Renewal
- If you decide you'd like help building and maintaining the plan, we simply transition to full-service wealth management.
Best for:
Those who want clarity and direction, aren't ready to change advisors yet or whose retirement assets are still tied up in their current employer plan, like a 401(k).