Your Plan
One plan for your whole financial life.
Most people have a tax person here, an investment person there, and no one connecting the two. We bring it into a single coordinated plan — personal and business, working together.
Personal Financial Planning
Everything that touches your money — coordinated.
Each of these is a discipline on its own. The value is in how they work together.
01
Investment Management
A portfolio built around your timeline and risk — not an off-the-shelf model.
Learn more →
02
Tax Strategy
Proactive, year-round planning to keep more of what you earn — not just an April filing.
Learn more →
03
Retirement Income
Turn what you've saved into a paycheck that lasts as long as you do.
Learn more →
04
Estate & Legacy
A plan your family understands, coordinated with your attorney.
Learn more →
05
Risk & Insurance
Right-sized protection for your family and income — no more than you need.
Learn more →
06
Behavioral Coaching
Staying the course when markets and emotions say otherwise.
Learn more →
For Business Owners
Own a business? Your biggest asset needs its own plan.
Your company and your personal finances are one system. We plan them together — so the business you built funds the life you want.
Business Exit Planning
Know what it's worth, close the value gap, and exit on your terms.
See the owner path →
Business Valuation
A clear number to plan around — and the levers that move it.
Exit Readiness Scorecard →
The 5 Ds of Risk
Death, disability, disagreement, divorce, disruption — and how to plan for each.
See the framework →
Coordinated, Not Siloed
Every piece talks to the others.
A tax move affects your exit. Your exit affects your retirement income. Your income affects your estate. When one advisor sees the whole board, the plan actually holds together.
1
We map your full picture — personal and business.
2
We build one plan where each piece supports the rest.
3
We adjust it with you as life and the business change.
The Full Picture
Your Options, Side by Side
An honest feature-by-feature comparison. The differences matter most when life gets complicated.
| Cadence Wealth PartnersRecommended | Do-It-YourselfSelf-Directed | Robo-AdvisorAlgorithm-Led | Brokerage / BankProduct-Led | Other RIAInvestment-Focused | |
|---|---|---|---|---|---|
| Comprehensive Planning | |||||
| Integrated tax, estate & investment strategy | ✓ | — | — | — | ± |
| Written financial plan, updated annually | ✓ | — | — | — | ✓ |
| Two in-person strategy sessions per year | ✓ | — | — | ± | ± |
| Coordination with your CPA and estate attorney | ✓ | — | — | — | ± |
| Tax Planning & Strategy | |||||
| Filed tax return review with opportunities flagged | ✓ | — | — | — | ± |
| Mid-year tax projection & safe-harbor plan | ✓ | — | — | — | — |
| Annual Roth conversion analysis | ✓ | — | — | — | ✓ |
| RMD & IRMAA forecast and withholding strategy | ✓ | — | — | ± | ± |
| Tax-loss harvesting | ✓ | — | ✓ | ± | ✓ |
| Tax preparation & filing | ✓ | — | — | — | ± |
| Withholding audit & adjustment strategy | ✓ | — | — | — | ± |
| Proactive tax reduction strategies | ✓ | — | — | — | ± |
| Business Owner Planning | |||||
| S-Corp owner pay & §199A QBI optimization | ✓ | — | — | — | — |
| Quarterly estimated tax calculations | ✓ | — | — | — | ± |
| 5-D business continuity drill (Death · Disability · Divorce · Distress · Disagreement) | ✓ | — | — | — | — |
| Owner exit readiness + valuation gap assessment | ✓ | — | — | — | — |
| Formal exit planning engagement (CEPA®) | ✓ | — | — | — | — |
| Estate & Risk | |||||
| Annual estate map + risk audit | ✓ | — | — | — | ± |
| Beneficiary & TOD audit with gaps flagged | ✓ | — | — | — | ± |
| Insurance coverage review (life · disability · LTC · property) | ✓ | — | — | ± | ± |
| Investment Management | |||||
| Custom portfolio aligned to goals & risk tolerance | ✓ | ✓ | ± | ✓ | ✓ |
| Asset location across taxable & tax-advantaged accounts | ✓ | — | — | — | ✓ |
| 401(k) / outside-account integration (Pontera) | ✓ | — | — | — | ± |
| Fiduciary standard of care | ✓ | — | ✓ | — | ✓ |
| Sells you proprietary products | — | — | ± | ! | — |
| Relationship & Communication | |||||
| Dedicated CFP® professional | ✓ | — | — | ± | ✓ |
| Specialized credentials (CEPA® · RICP®) | ✓ | — | — | — | ± |
| Behavioral coaching through volatile markets | ✓ | — | — | ± | ✓ |
| Curated specialist network (attorney · CPA · insurance · banking) | ✓ | — | — | — | ± |
✓ Typically included
— Not typically offered
± Sometimes, varies by provider
! Worth asking about directly
This comparison reflects general patterns based on typical service models in each category and is not a claim about any specific named competitor. Actual services and offerings vary by provider — please verify directly with any firm you're evaluating.
See what a coordinated plan looks like.
One conversation. A real plan. An advisor who picks up the phone.
Book a Call
