Erin Clifford

You’ve Built Wealth. Now Comes the Harder Part: Keeping It There’s a moment—often subtle, sometimes jarring—when the game changes. For years, you’ve been focused on building: maxing out retirement accounts, growing your business, investing aggressively, accumulating assets. But now, you’re nearing retirement—or at least stepping into the next chapter. And the question shifts from “How […]

Your Company Stock Isn’t a Retirement Plan You’ve worked hard, delivered value, and built a reputation inside your company. Maybe your comp package includes RSUs, ESPPs, or ISOs. You believe in the mission. You trust the leadership. And over time, your portfolio starts to reflect your career: heavy in company stock. There’s a logic to

The One Decision That Echoes for the Rest of Your Life You’ve been building your career, maxing out your 401(k), maybe collecting RSUs, and investing smartly. But now you’re staring down one of the most underestimated decisions in your financial life: When should you start collecting Social Security? It sounds simple. You hit 62, you’re

The Real Question Behind Your Net Worth You make great money. You’ve built a solid portfolio. Maybe you’ve already hit a couple of your big financial milestones—bought the dream house, reached $1M+ in investments, finally maxed out the 401(k) and themega backdoor Roth. But here’s the thing we see over and over again with our clients: They’re rich—but they

When “Set It and Forget It” Backfires You’ve been doing everything right—maxing out your retirement plan, investing early, and selecting a 2040 or 2050 target date fund that promised to do the heavy lifting for you. But lately, the numbers aren’t adding up. Your account is down more than expected, even compared to diversified portfolios with similar risk levels.

When Markets Drop, Opportunity Rises Market downturns can make even the most seasoned investors uneasy. But for those in a specific financial position, they also present one of the best tax-planning opportunities available: the Roth conversion. If you’re in a lower income year—whether because you’ve just retired, paused work, sold a business, or taken a