On aligning your money with your ideal life…

“I help people deal with every side of their money (and resources): emotional, mental, relational, and technical.  Together, we align your time, money, energy, and skills with your values, intentions, and goals.  That may start off with either Financial Counseling, Coaching, or Planning; but it ends up as Financial Doing.  Knowledge is not power, it is only the potential for power.  It must be applied to have any real value.  Wise action towards your better life is real power.”  Daniel L. Bishop

The Simple, Succinct Summary:

We only get paid flat-fees, by our clients: for Planning, Advice, Accountability & Oversight. 
Our ideal clients are successful families, who are committed to pursuing financial & life well-being
We only accept 50 clients per advisor; so that, we can give the service our clients deserve. 
Giving you the right type of advice, at the right time, in the right amount.
Our ideal client service is simple: planning, coordination, oversight, and protection of your entire financial life. 

We are Professional Planners, who offer Partnerships. 
It is the only thing we do, the only thing we sell. 
That Partnership includes Financial Coaching, Counseling, and Consulting… 
but perhaps more importantly, it includes; friendly collaboration, compassion, and clarity.  
We do not sell products.
We do not “gather assets”.
We do not have a minimum for AUM, because we don’t do AUM Fees.
We do not throw advice at you.
We do not talk down to you.
We know you are not stupid.

People come first.
Next, our Profession, Philosophy, and Planning. 
Only then, do we help you find the right financial products… IF, you even need them.

More Explanation: What Really Makes Us Different?

 We are professional, Advice-Only financial advisors offering real financial planning; not product salespeople, brokers, or asset hoarders. We don’t just meet industry expectations, we blow them out of the water. We are continuously raising the ethical, technical, and human bars for advice. We are not just Fee-Only, we are Advice-Only.  We are not just fiduciaries, we are Flat-Fee, Private Fiduciaries– that means we become 100% committed to your family, 100% of the time.

We believe that successful, hard working families should have access to the same types of advanced financial advice and planning that Family Offices offer to clients with a net worth over 30 million. That’s why our process is designed for you; to get exactly what you want and need, without paying for everything you don’t.  That is just the start of what makes Black Swan Advisors fundamentally different.

We Work With You

We offer access to the entire Continuum of Financial Advice, and the full Spectrum of Financial Planning. There is a lot more to your financial life than just money, taxes, and numbers.

We Value You

A person's value is not just measured by their net worth. We charge flat fees, not a % of anything. That allows us to work with people in complicated and nontraditional situations.

Objective Perspective

People should always expect, and get, the whole truth. We are fiduciaries, 100% of the time. From what don't do, to how we get paid; it's all about giving real advice- aligned to your life and your values.

Financial Roadmap

Everything should be made as simple as possible, but not simpler. We'll use plain English and simple graphics to explain it all. Our clients love their simple, tailored Financial Roadmaps.


We shed light on all the fees you pay, who it is going to, and what you are paying for. You should always get the whole truth about your money. We are your private fiduciary, 100% of the time.


Our ideal clients are successful families, who are committed to pursuing Financial & Life well-being.  Our number of Ideal clients are capped at 50 per advisor.  That is 50, not the normal 250 – 500.  That allows us to provide the high level of service that they deserve.  It also allows us some time to practice Pro Bono and project planning with people who would not normally be able to afford our services.  We work virtually with most of our clients.  Our clients value their time, and understand the value of independent, objective advice.  They prefer to work with a professional Financial Planner instead of industry salespeople; that is why we charge flat, transparent fees that reduce the common conflicts of interest.  Our ideal client service is simple: planning, coordination, oversight, and protection of a client’s entire financial life. 

Our ideal clients normally:
Call us when “life happens”, like career changes. Text us before they decide to buy a car.  Meet for coffee, tea, or wine… just to catch up.  Open up about all the things that are important to them – family, money, religion, politics, mental health… And, they let us help with family money disagreements. 

We don’t just work with wealthy and affluent clients. We love helping couples, and independent women get their finances on track for their next stage of life. We also find a lot of meaning when coaching and counseling young families and professionals; who often need expert help with education or student loan planning.

(See below for approx yearly client caseload ratios.)

Whether you are suddenly single, or in the center of a generational sandwich…

we can help you financially plan for your whole family.

From cradle to grave, we will help you take care of all the ones you love. 

College Bound Families
Small Business Families
Independent Women
Young Professionals

Our collaborative financial planning is as deep and comprehensive, as our advice agility is wide. That means giving you the right type of advice, at the right time, in the right amount.  We help you figure out, coordinate, and keep one top of everything in your financial life.

Our job is to help you make the wisest decisions possible, in the face of irreducible complexity.  

Life happens, and we wish we had a crystal ball- but we haven’t been able to find one yet. What we do have, is a collaborative network of real professionals that work hard, specialize, and raise the bar. Very often we have to say “I don’t know, but I will find out for you.”

We just don’t know everything about finance, but we usually know someone who does.  So we work hard with you to find the right questions, and then go get the right answers for you. We may not even be the right primary advisor for you, but we will try to help you find the person who is.

Learn more about our Integrated Financial Life Planning here. 

Get your free 529 guide, by downloading here.

Reading this can help you Start right and do better than 85% of parents.

Ready to learn more about
College Savings?

I can help you pick the right saving vehicle, plan, investments, amounts… and get you the peace of mind you need, about your child’s future. Together, we can make sense of it all, get a plan on track, and keep it there. It is usually best to start saving for college soon after your child is born, sooner is always better.
I can also help you with tax advantaged savings plans for private elementary and high school tuition. Setting up Able accounts for people with disabilities, and rolling over 529's into Able accounts.

Get your free funding guide, by downloading here.

Reading this can help you avoid many of the common pitfalls than most parents and students fall into.

Ready to to learn more about
College Funding & College Planning?

Whether you need help with College Funding and Pre-Approval™ Plan, or Comprehensive College Planning; I can help.
I help you sort the all pieces of the puzzle, get your vision aligned, and help find your peace of mind.
I would love to help you figure out how to pay for college. Even if we are not the best fit fit for more comprehensive planning. If we are a good fit, a Comprehensive College Funding Plan will help you save on the cost of college, not just save for it.

Get your free loan guide, by downloading here.

Learn about opportunities than most young professionals never learn about.

Ready to to learn more about your
Student Loan Options?

Debt is stressful, and it can derail your dreams. But you can make it so much better.
Together, we can figure out a plan that is best for you.
I have empowering strategies and tactics for repayment, refinancing, and check for the availability of forgiveness, cancellation, and discharge.
Strategies that the people selling loan consolidations simply do not have.
I work as a Fee-Only, Fiduciary, and only get paid to work for you.