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Financial Planning

Good financial decisions begin with the whole picture.

Our planning process brings the many dimensions of your financial life together, so each decision is made in context.

Our approach is guided by three core values: understanding what matters, conserving what you’ve built, and organizing your wealth for what comes next.

  • Values should shape every decision

    Effective planning begins with understanding what matters most to you and your family.

  • Conserving wealth requires a plan

    Thoughtful planning should protect what you’ve built and preserve it for generations to come.

  • Organization expands opportunity

    A well-organized financial life creates greater freedom to pursue what matters next.

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“Planning is not a one-time exercise. It is an evolving conversation that aligns family goals, legacy intentions, and financial realities across decades.”

Michael McLeod

Director of Financial Planning & Senior Wealth Advisor

Our Planning Solutions

Retirement and Income Planning

We structure retirement and income plans to support income longevity, capital efficiency, and enduring family needs across changing markets and tax environments.

Estate and Legacy Planning

We develop long-term transfer strategies that reflect family priorities, intergenerational goals, and philanthropic intent.

Tax-Aware Financial Strategies

We integrate tax considerations throughout the planning process, from income and investment decisions to charitable giving and long-term wealth transfer.

Liquidity and Cash Flow Planning 

We plan for near-term and long-range liquidity needs through disciplined forecasting and structured cash flow analysis.

Frequently Asked Questions

What does comprehensive Financial Planning include for families with significant complexity?

Comprehensive Financial Planning begins with a thorough review of the entire balance sheet, including trusts, operating entities, private investments, concentrated equity, and personal assets. From there, integrated cash-flow modeling, tax-aware projections, estate coordination, and liquidity planning are developed within a single strategic framework. The result is a disciplined, long-term plan designed to conserve capital, align family priorities, and support multi-generational continuity.

How does the firm coordinate planning across multiple entities and advisors?

Complex wealth requires careful orchestration across legal, tax, and investment domains. The firm works directly with CPAs, estate planning attorneys, insurance professionals, and other specialists to ensure that entity structures, tax filings, estate documents, and portfolio strategy function cohesively. This coordinated oversight reduces fragmentation and strengthens long-term execution.

How are long-term projections built for multi-generational families?

Multi-decade modeling evaluates income sustainability, estate tax exposure, charitable strategies, liquidity events, and generational transfers under varying market and legislative assumptions. These projections are stress-tested and revisited regularly as family dynamics and regulations evolve. Planning is structured to anticipate change rather than react to it.

How does the firm address liquidity, concentration, and portfolio risk?

Concentrated positions, closely-held businesses, and private investments are evaluated within a total wealth framework that prioritizes liquidity and long-term stability. Strategies may include staged diversification, structured reserves, and tax-efficient distribution sequencing. Risk management is deliberate and aligned with the broader objective of preserving and growing family capital.

Why does the firm operate as a fee-only fiduciary?

As a fee-only advisor, the firm does not sell products or accept commissions from third-parties. This structure reinforces independence when evaluating estate strategies, insurance solutions, private investments, or liquidity decisions. Advice remains aligned solely with the long-term interests of the families served.

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How can we support your goals?

If you'd like a dedicated partner to help manage the complexity of wealth, we'd value the opportunity to connect.

The Fiduciary Group, LLC (“TFG”) is registered with the United States Securities and Exchange Commission as an investment adviser. Brokerage and investment advisory services and fees differ and it is important for you to understand the differences between them. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

TFG primarily provides wealth management services to high-net-worth individuals and families, and investment management services for trusts, estates, pension, 401(k) and profit-sharing plans, nonprofit organizations, and other legal entities. Where requested, the principals of TFG accept appointments in their individual capacity as trustee, executor, and/or power of attorney

We offer a wide range of wealth management services to our clients who own separately managed accounts. We work with each client to establish an appropriate investment policy statement (IPS) based on the client’s objectives, unique circumstances, time horizon, and risk tolerance. We generally invest client assets in domestic and international stocks, bonds, mutual funds, and exchange traded funds (“ETFs”).

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