Business Details
7 Years
experience
Trusted Financial Advisers in Georgetown, TX
Founded in 2019, we are a planning-centric wealth management firm dedicated to helping individuals and families navigate the complexities of modern financial decision-making. Our team provides strategic advice, guidance, and tailored solutions to help clients achieve their goals efficiently while enjoying the journey. Headquartered in Northern Michigan with additional presence in Austin, TX, we serve clients virtually across the United States. With decades of combined experience in financial services, we simplify the planning process and empower clients through education and insight. Our fee-only model eliminates conflicts of interest, ensuring our recommendations prioritize client needs.We offer flexible service models, including advice-only and comprehensive wealth management, designed to align with individual life stages and complexities. Our strategic approach extends beyond investing, focusing on cash flow, tax efficiency, retirement, estate planning, and risk management. We specialize in serving Dow professionals, leveraging deep industry knowledge to address unique compensation and transition challenges. Our process emphasizes collaboration, transparency, and ongoing partnership to adapt to evolving client needs. By combining personalized planning with disciplined investment strategies, we aim to improve client outcomes and build long-term financial confidence.
Services
Cash Flow Planning
Investment Management
Income Tax Planning
Retirement Planning
Retirement Income Planning
Education Planning
Risk Management
Estate Planning
Business Transition Planning
Dow Professional Services
Details
- Year established: 2019
Highlights and features
- We are a fee-only firm with no product-based sales conflicts
- Our team has decades of experience in financial services
- We offer flexible service models tailored to individual needs
- We specialize in serving Dow professionals with industry-specific expertise
- Our strategic approach integrates tax, investment, and retirement planning
Services
Cash Flow Planning
Our cash flow planning service helps clients understand household or business financial inflows and outflows. We create customized spending plans and debt management strategies to optimize financial efficiency. By analyzing timing of expenditures, we identify opportunities for tax savings and improved liquidity management.
Investment Management
We employ a core-and-satellite investment approach tailored to individual risk tolerance and goals. Our strategies focus on low-cost, tax-efficient portfolios with disciplined rebalancing. We integrate equity compensation, private investments, and retirement accounts into cohesive wealth management solutions.
Retirement Planning
Our retirement planning addresses income needs, pension options, and lifestyle transitions. We develop tax-smart withdrawal strategies and coordinate Social Security benefits. For Dow professionals, we specialize in transition planning for early retirement or career changes.
Estate and Legacy Planning
We help clients document asset distribution preferences and implement strategies for efficient wealth transfer. Our approach considers charitable giving, family needs, and tax implications. We coordinate with legal advisors to ensure estate documents align with overall financial plans.
Risk Management
Our risk management service evaluates life, disability, and long-term care insurance needs. We assess existing coverage gaps and recommend appropriate protection strategies. For business owners, we review continuity plans and key person insurance requirements.
People
Ethan Kok
Advisor and Principal
Ethan has 20+ years of experience helping Dow professionals transition to financial independence. He specializes in Dow compensation analysis and retirement planning. His background includes both corporate finance and financial planning, providing unique insights into industry-specific challenges.
Questions
What services do you offer for Dow employees?
We specialize in transition planning for Dow professionals, including retirement strategies, pension optimization, and tax-efficient withdrawal plans tailored to industry-specific compensation structures.
How are your fees structured?
We offer three service models with minimum fees: Core ($3,000), Advanced ($10,000), and Business Owner ($5,000). Investment management fees range from 0.10% to 0.90% annually based on assets under management.
Are you a fiduciary?
Yes, we are a fee-only Registered Investment Advisor (RIA) operating under fiduciary standards. We eliminate conflicts of interest by not accepting commissions or product-based incentives.
Do you work with clients outside Texas?
We serve clients virtually across the United States, with primary registrations in Missouri, Michigan, and Texas. Our virtual capabilities allow us to work with clients nationwide regardless of location.
What is your investment approach?
We use a core-and-satellite strategy focusing on tax-efficient, low-turnover portfolios. Our approach emphasizes diversification, risk management, and integration of equity compensation or private investments when applicable.
