When I decided to establish Holistic Planning – Sedona, it wasn’t because Sedona needed another financial services office. It was because I believed our community deserved something different.
After years in the financial industry, I kept seeing the same pattern: clients receiving investment recommendations without anyone asking the deeper questions first. What does retirement actually look like for you? What happens to your business when you’re ready to step away? What do you want your legacy to be? Financial guidance, at its best, starts with those conversations - not with products.
Holistic Planning was built on a simple premise: financial advice should reflect the full scope of your financial life, not just one piece of it. As a fee-only, fiduciary Registered Investment Adviser, I am required to act in my clients’ best interests when providing advice, and I do not receive compensation from commissions or product sales. That structure isn’t just a compliance distinction. It’s a reflection of the kind of relationship I set out to build with this community.
Retirement Planning: Getting There on Your Terms
Retirement isn’t a single event - it’s a transition that takes years of preparation to get right. For business owners, that preparation often intersects with the fate of the business itself: when to sell, how to structure a transition, and how to replace the income the business currently provides.
For individuals and families, the questions center on when it’s truly safe to stop working, how to manage withdrawals across decades, and how to protect against the unexpected. Strategic retirement planning means working through those layers well in advance, when there’s still time to make decisions that genuinely expand your options.
Tax Planning: A Year-Round Discipline
Most people think about taxes once a year, in the weeks before the filing deadline. A more effective approach treats tax planning as an ongoing part of financial strategy - one that considers not just this year’s liability, but how today’s decisions affect what you’ll owe in five or ten years. For business owners, this means thinking about entity structure, retirement plan contributions, and timing of income and deductions. For individuals approaching retirement, it means considering Roth conversion strategies, required minimum distribution planning, and the long-term tax efficiency of your withdrawal sequence.
Estate Planning: More Than a Document
Estate planning tends to get delayed because it forces us to think about things we’d rather not. But an estate plan isn’t primarily about death - it’s about control. It determines who makes decisions for you if you can’t, how your assets reach the people and causes you care about, and whether your heirs navigate that process simply or with difficulty. Financial planning can’t replace the role of an estate attorney, but it can ensure that your financial picture and your estate plan are working in the same direction.
An Invitation
Holistic Planning - Sedona exists to serve this community - the people who live here, work here, and are building their futures here. Whether you’re a business owner navigating a complex financial picture or an individual trying to make sense of retirement, I’d welcome the chance to talk.
I offer initial consultations at no cost, with no obligation. To schedule a conversation, call us at 928-254-4000 or visit holisticplanning.com/sedona.