Where most people startCash flow, retirement, big decisions
ExploreFinancial planning
A written plan that ties your income, savings, retirement and big decisions to the life you want.
Written planCash flow and retirementReviewed every year
Investment planning
Investments with
a reason behind them.
We start from what each dollar is meant to do, then look at how it is invested, what it costs and how far it could fall without changing your plans.
Every account in viewThe Grove approach
The portfolio serves
the plan.
An investment choice made on its own can look sensible and still work against you, for example by sitting in the wrong type of account or taking more risk than your timeline allows.
We look at your accounts together: workplace plans, IRAs, taxable accounts and cash. Then we talk through how each is invested, why, and what you might change.
What we look at
Where the work
goes in.
Four areas we cover in every investment planning conversation.
Time horizon
Money you need in two years and money you will not touch for twenty should not be invested the same way.
Risk you can live with
How a fall in markets would feel and what it would force you to do, not only a score from a questionnaire.
Account placement
Which holdings sit in which accounts can change what you keep once taxes are paid.
Costs and overlap
Fund fees, trading costs and three funds that own the same companies are easier to spot when every account is on one page.
What you leave with
Clear outputs,
in writing.
- A view of every account in one place
- A target mix, with the reasons for it
- Notes on costs and overlap
- A rebalancing approach you understand
Questions we will ask
Come ready
to talk about.
- What is this money for, and when will you need it?
- How did you react the last time markets fell?
- Which accounts can you change, and which follow an employer’s plan rules?
- Are there holdings you want to keep for personal reasons?
Planned alongside
Connected
services.
Where most people start
Alongside your preparerTiming, withdrawals, giving
ExploreTax planning
Year-round thinking about the timing of income, withdrawals, gains and giving, alongside your tax preparer.
Year-roundWith your CPATiming and structure
Your next step
Build on a steadier
financial footing.
Start with one focused conversation about what matters to you, what is changing and where a clearer picture would help.