Every family’s path is different.
Special Needs & Tax-Focused Retirement Planning in Greensboro, NC
We guide each one with the same depth and care. Here is who we work with—and what we focus on for each.
Jump to: Retirement & Tax · Special Needs · Is This You?
Who We Serve — At a Glance
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Special needs families: two-lifetime planning — SNTs, ABLE, SSI/Medicaid, successor readiness, and trustee coordination
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Working professionals: equity compensation (RSUs/ISOs/NSOs), tax-focused accumulation, education funding, and CPA/attorney coordination
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Retirees & pre-retirees: Social Security optimization, guardrail-based withdrawal, IRMAA management, and Roth conversion windows
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Where: Triad and Triangle in person — virtual nationwide
Fewer surprises. More clarity. Less tax drag.
For families building wealth—and for those ready to enjoy it.
We don’t just focus on the portfolio—we focus on the full picture: how you accumulate, how you transition, and how you draw down in a way that minimizes taxes at every stage and keeps your plan aligned as life changes.
Working Professionals
- Simplifying the financial whirlwind of a complex career
- Year-round tax minimization and bracket management
- Equity compensation — Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), Non-Qualified Stock Options (NSOs), and ESPP
- Cash flow orchestration and savings sequencing
- Education funding alongside retirement
- Coordinating CPA, attorney, and benefits teams
Retirees & Pre-Retirees
- Confidence that the money won’t run out
- Social Security timing and optimization
- Guardrail-based withdrawal sequencing
- IRMAA modeling (Medicare income surcharges)
- Roth conversion windowing and tax-efficient drawdown
- Estate alignment and beneficiary coordination
- Year-round execution via Seasonal Cadence
Whether you’re in the accumulation phase or drawing down, the tax decisions you make today have consequences years from now. We watch the bracket year-round—not just in April.
Tax Playbook — At a Glance
- ✓ Bracket-aware Roth conversion windowing
- ✓ Asset location with drift monitoring
- ✓ IRMAA modeling (Medicare income surcharges)
- ✓ Tax-loss harvesting with wash-sale governance
- ✓ ISO/NSO/RSU playbook with Alternative Minimum Tax (AMT) simulations
- ✓ Qualified Charitable Distribution (QCD) and RMD automation
Planning for two lifetimes.
2026 Key Limits — Special Needs Planning
- ABLE eligibility: disability onset before age 46
- ABLE annual contribution limit: $20,000 (aligned with federal gift exclusion)
- SSI resource limit: generally $2,000
- ABLE + SSI: first $100,000 in ABLE is excluded from SSI resources
Updated: March 2026
What is Two-Lifetime Planning?
Two-lifetime planning means protecting your loved one’s benefits, quality of life, and financial security across both your lifetime and theirs—with a durable plan that carries your family’s intent forward even when you’re no longer here to coordinate it.
What happens to your loved one when you’re not here?
For families with a loved one with a disability, the financial stakes are uniquely high. One wrong move—a well-meaning gift, the wrong account type—can disqualify your loved one from benefits they depend on.
And the deeper fear isn’t the paperwork. It’s the question you can’t stop asking: Who coordinates everything when I’m gone?
We build durable, two-lifetime plans designed to carry your family’s intent forward. Mike holds the Chartered Special Needs Consultant (ChSNC®) designation, reflecting focused training in the specific mechanics of special needs planning alongside years of hands-on experience.
SNP — At a Glance
- • Scope: SNT coordination, Achieving a Better Life Experience (ABLE) setup, SSI/Medicaid monitoring, Letter of Intent, and successor readiness.
- • Coordination: We work directly alongside your estate attorney and CPA — you are never the go-between.
- • Pricing: Included in The Expedition plan ($16,000/yr) or as a standalone Financial Map starting at $6,000.
Trust & Account Setup
- → Special Needs Trust coordination and funding — working alongside your estate attorney
- → ABLE account setup, monitoring, and coordination with SNT
- → Active SSI and Medicaid eligibility monitoring
- → Letter of Intent — documenting your loved one’s life, preferences, and care instructions
Coordination & Readiness
- → Successor readiness packet — a plain-English guide for future trustees and caregivers
- → Aging parent planning — coordinating care transitions, estate triggers, and professional team alignment
- → Proactive trustee, attorney, and CPA coordination — you’re never the go-between
Is this you?
We work best with families who have reached a level of complexity where a generalist approach no longer serves them well. Here’s an honest look at who fits—and who might not be ready yet.
If even one of the following fits your situation, it’s worth a conversation.
You’re likely a strong fit if…
- You have a loved one with a disability and need a durable, coordinated plan
- You feel like your CPA, attorney, and advisor don’t talk to each other
- You’re approaching retirement and worried the money won’t last
- You have equity compensation and feel like you’re making it up as you go
- You want a flat fee—no percentage of assets, no hidden incentives
- You want someone who executes, not just advises
We may not be the right fit yet if…
- You’re just starting out and need basic budgeting guidance
- You prefer a completely self-directed, DIY approach
- Your primary need is insurance product placement
- You’re looking for short-term trading or speculative investing
Not sure where you fall? The Trailhead Meeting is a no-pressure conversation — there’s no obligation to move forward.
Questions about whether we’re the right fit? Let’s talk →
Discuss your route.
No spreadsheets, no jargon—just an honest conversation about where you want to go.
Schedule a Trailhead Meeting