Helping you future-proof your wealth through proactive financial planning
Discover how our personalized planning strategies help you build and protect your wealth through every stage of life
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Meet our founder
Comprehensive tax-smart planning
with Michael Opp
With over 25 years in wealth management, Michael is a fiduciary–holding Series 65 and insurance licenses–serving business owners, families and individuals.
Michael earned a B.S. in Business Administration with a minor in Economics in 1992 from the University of Redlands, where he also competed in football and track. After pursuing track through the 1996 U.S. Olympic Trials, he gave back by coaching youth sports for over 17 years and enjoys life with his wife Tamalynn and their three children.
Gaps in your planning can lead to:
Running out of money before you retire
Many people assume their savings will last, only to realize too late that their financial plan wasn’t built for longevity.
Overpaying in taxes unnecessarily
Without proper tax planning, you could be losing thousands every year – money that should be fueling your future, not draining it.
Being vulnerable to economic downturns
Without the right protections in place, market downturns can wipe out years of hard-earned savings in a matter of months.
Leaving your family in a financial mess
Poor estate planning can mean higher taxes and unnecessary stress for your family.
Does your financial plan account for life’s twists and turns?
Life rarely follows a straight line. Financial planning usually isn’t as simple as moving your money from point A to point B. What you have on paper and what happens in reality doesn’t always match up. Market dips, unexpected expenses and changing family needs can often throw your carefully laid plans off course.
Our services
Retirement & income planning
Life evolves, and so should your retirement plan. We tailor forward-looking plans that help unlock growth potential, minimize tax and market risk, and protect against life’s uncertainties.
Tax planning
Taxes can quietly erode wealth over time, but proactive planning can help stop the drain. We leverage tools like Roth IRA conversions and other tax diversification strategies to help you keep more of what’s yours.
Long-term care planning
About 70% of people turning 65 today are projected to need some form of long-term care in the future. We help fill planning gaps with cost-effective strategies to protect your wealth.
Estate planning
As legislation and tax laws continue to evolve, it’s important to have a comprehensive estate plan to help ensure you aren’t leaving a tax time bomb to loved ones.
Are there any hidden gaps in your current plan?
Schedule a complimentary analysis with our team. We'll walk through your current plan and identify opportunities that could help protect your hard-earned savings from taxes, market risk and life's uncertainties.