Comprehensive Financial Planning For Retirees And Those Close To It
We specialize in guiding high-earning professionals, ages 50+, with retirement planning, while reducing taxes both now and in the future.
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You’ve done the hard work to save and invest. Now it’s time for your money to work for you.
We help simplify your finances and create a steady retirement income so you can enjoy the next phase of life with less stress and more time.
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What Makes Refined Wealth Different.
At Refined Wealth, we don’t jump on every new idea that comes along. We’re looking for what will stand up over a long period of time.
We are a fee-only fiduciary. We are legally and ethically obligated to act in your best interest. No commissions. No hidden incentives. No conflicts. This is the foundation of everything we do.
These are the 10 Principles of Refined Wealth — the core values that guide every decision we make and every client relationship we build.
1. Planning Comes First. It’s a Lifelong Process
Investing without a clear strategy is meaningless.
Our disciplined approach follows this sequence: Goals → Plan → Portfolio. But planning is not a one-time event. Your life evolves. So do markets, tax laws, and opportunities.
We review and adjust your plan regularly to keep it aligned with your goals. And we do all of this with clarity—so you can make informed, confident decisions every step of the way.
2. Real, After-Tax, After-Fee Returns Matters Most
We strive for the highest possible real returns, after inflation, adjusted for risk, and net of taxes and fees.
Costs reduce returns, especially when they add no value. We never sell products or accept commissions. Taxes reduce returns too, so we thoughtfully utilize tax-advantaged accounts, realize gains strategically, and proactively harvest losses.
3. Markets Are Efficient. Respect the Evidence
Trying to beat the market is costly and rarely successful. We don't attempt it, and neither should you.
- No one can reliably predict the economy or markets.
- No one can consistently pick winning stocks or funds.
- Instead, we capture what the market offers through diversified, low-cost, evidence-based strategies.
- We diversify broadly across asset classes and geographies.
- We emphasize proven sources of higher expected returns, such as small company, value, and profitability premiums, identified by decades of academic research.
- Our disciplined, systematic rebalancing process keeps your portfolio aligned with your goals and risk profile.
4. Allocation Drives Experience. Balance Accordingly
We thoughtfully allocate between equities (for growth) and fixed income (for stability), guided by your goals and risk profile. Bonds have a limited but defined role. Our goal is always total return, not chasing income.
5. Risk Is Multifaceted
Risk is more than volatility. It includes your tolerance, capacity, and overall exposure. We comprehensively assess risk before recommending any strategy.
6. Behavior Determines Real-World Returns
Investor behavior drives long-term results far more than market movements or news headlines. We emphasize discipline, consistency, and calm decision-making.
7. Less, But Better
We pursue simplicity relentlessly, stripping complexity to its essential form, no further. This intentional simplicity is refinement in action.
8. Alternative Investments, Leverage, and Structured Products Are Off Limits
Complexity rarely benefits the investor. We avoid these products entirely. Always.
9. Insurance Is Protection, Not an Investment
We treat insurance solely as a tool to mitigate specific risks, not as an investment.
10. Taxes and Estate Planning Are Essential. We Collaborate With Vetted Specialists
Tax preparation and estate planning are critical components of your overall financial picture. While we meticulously integrate these into your plan, we leverage external specialists best suited to handle the detailed execution.
The goal isn’t to predict the future. It’s to be prepared for it. Let’s build a plan that helps you enjoy the decades ahead.
Typical Advisor.
Tailored Financial Expertise, Simplified.
Advisors Who Get You.
Your advisor shares your academic and professional background, offering insights that truly resonate with your journey and goals.
A Holistic Approach.
From income to estate planning, every facet of your financial life is seamlessly integrated into a strategy designed just for you.
Your Time, Maximized.
With proactive prioritization and full-service tax support, your advisor lightens your mental load and fiercely protects your time.