Everything we can help with.
People have gone without advice on insurance, debt, or the estate plan because nobody mentioned it.
You have accounts in six places and no single picture
The Pelorus Method™ uses eMoney to organize your financial affairs and model scenarios before anything is recommended. For families, we hold meetings on legacy goals, teach children and grandchildren the basics, and work through the decisions that span generations together.
Your portfolio was assembled over years without a plan behind it
Once the plan is written, we build the portfolio to serve it: a diversified long-term core with a tactical, relative-strength component, plus access to alternative investments, private placements and liquidity strategies around a major life or business event.
Your restricted stock and options come with decisions that have deadlines
We plan RSUs, stock options and executive stock compensation, and structure 10b5-1 trading plans and the tax strategy around them to diversify a single-stock position over time.
Tax decisions come up between CPA meetings
We act as the lead between you, your CPA and your tax professionals to surface opportunities early, and plan distributions, retirement income and capital gains with tax efficiency in view.
Your estate documents are older than your youngest child
We work directly with your estate attorney to draft, update and fund trusts, wills and powers of attorney, and structure donor-advised funds, charitable trusts and family gifting.
Everything you own is inside the business
We plan the succession and the corporate transaction, manage liquidity before and after the exit, and design 401(k) and executive benefit plans for you and your key employees.
The debt side of the balance sheet rarely gets the attention the asset side does
Advice on real estate transactions, 1031 exchanges, Delaware Statutory Trusts and property sales, plus a review of debt, life insurance and long-term care coverage.
Access to cash without selling investments
We plan cash reserves so money is there when it’s needed. For a purchase, a tax bill or a business opportunity, a line of credit secured by your portfolio can provide liquidity while your investments stay in place. We weigh the cost and the risks with you before anything is arranged.
What the Method rests on.
The Pelorus Method™ is the firm’s planning-first framework, designed to give families clarity and confidence about the decisions ahead. It treats wealth management as more than an investment service, bringing every part of a family’s financial life together.
1
Financial Planning: The Foundation
It starts with what matters most: family, lifestyle, values and long-term goals. In eMoney, we model the scenarios and write a clear plan for retirement, tax efficiency and the major transitions ahead.
2
Portfolio Management, Aligned with the Plan
Investments follow a written Investment Policy Statement drawn from the plan: a diversified long-term core, with a tactical, relative-strength component adjusting around it, while pursuing long-term growth.
3
Beyond Investments: Follow-Through and Coordination
The team works alongside your CPA, estate attorney and other trusted advisors, arranging the meetings and joining you at the table so your estate, tax and succession planning moves forward together.
How these services come together.
Each service runs through the same planning-first sequence: discovery, analysis and priorities, a written plan, implementation coordinated with your CPA, attorney and other trusted advisors, and ongoing conversations that keep it current.