By the time most people reach Jim, they've realized something: retirement is about far more than their investments. It's income that has to last. Taxes that quietly compound. Healthcare costs that can swallow a nest egg. An estate that needs to land where it's meant to. Jim built his practice around all of it.

His clients tend to share one thing — they don't want to micromanage their money. They want a plan they can trust, and the freedom to go live their lives. As Jim puts it: “I want them to be able to go and live life and travel and do whatever they want to do and not worry about stuff.”

That's why his approach starts with protection. Markets recover over time, but the years right around retirement don't forgive a major drawdown the way the accumulation years do.