Frequently Asked Questions

There’s no minimum balance required to open an account or start working with us.
Whether you’re just starting to save or already building wealth, we’re here to help you create a plan that fits your life and your goals.
Everyone starts somewhere — and we’re glad you’re starting here.

Great question — and no, we don’t just work with billionaires.
A wealth manager helps you build a game plan for your money: budgeting, saving, investing, taxes, retirement, and everything in between.
We’re like your financial GPS — here to keep you on track and help you make smart decisions, whether you’re just getting started or leveling up.

We start with a complimentary financial plan — no strings attached.
After our first meeting, we’ll send you home with a personalized roadmap you can implement yourself, share with a trusted advisor you already work with, or come back to us if you’d like help putting it all into action.
If you choose to work with us, we’ll walk you through any costs clearly and transparently, so you always know what you’re paying for — and why it’s worth it.

DIY investing is a great start, but true financial planning is about seeing the whole picture: taxes, cash flow, estate planning, retirement strategies, insurance, and more.
Our job isn’t just to grow your money — it’s to help you keep more of it, use it wisely, and feel confident in every decision along the way.

Taxes touch everything — your income, your investments, even your retirement accounts.
Because we’re also deeply knowledgeable in tax strategy, we help you make smarter money moves that reduce your tax burden and keep more money in your pocket, not just now but over the long haul.

A CPA (Certified Public Accountant) has met rigorous education, experience, and exam standards — and is licensed to represent you before the IRS.
It’s a higher standard of expertise and accountability. When you’re working with a CPA, you’re working with a true professional.

First, take a deep breath — it’s more common than you think.
Second, reach out. We’ve helped lots of people catch up on missed filings and get back on track.
The sooner you start, the better your options usually are.

Yes! IRS notices can be intimidating, but we deal with them all the time.
Whether it’s a letter about missing documents, an audit, or something else, we can help interpret the notice and respond appropriately.

Pricing depends on the complexity of your return, but we always discuss fees upfront before we get started.
No hourly guessing games — just clear, fair pricing and expert service.

Not usually. The $19,000 is the annual exclusion, which means you can give up to that amount to as many people as you want each year without having to file a gift-tax return.
If you give more than that to one person, you’ll just need to file a gift-tax form — but it doesn’t mean you owe taxes.
The extra amount simply counts against your lifetime gift-and-estate tax exemption (over $13 million as of 2025).
So unless you’re giving away millions, you’re probably in the clear.

Pay your Individual Federal Income Taxes using IRS Direct pay here https://directpay.irs.gov/directpay/payment?execution=e1s1

Need a past Tax Return? You can view your past tax return or account transcripts here https://www.irs.gov/individuals/get-transcript

Get an identity protection PIN click here https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin

A free and secure my Social Security account provides personalized tools for everyone, whether you receive benefits or not. You can use your account to request a replacement Social Security card, check the status of an application, estimate future benefits, or manage the benefits you already receive. Click Here https://www.ssa.gov/myaccount/

The IRS requires you to take money out of most types of retirement accounts. These mandatory withdrawals are called required minimum distributions. Calculate yours here https://www.schwab.com/ira/ira-calculators/rmd For those who inherited an IRA due to the death of the original account holder click here https://www.schwab.com/ira/ira-calculators/inherited-ira-rmd-calculator .