Principal
Bonsai Financial
Bonsai Financial is a holistic financial planning firm that takes a disciplined approach to create sustainable long-term plans specific to each client’s goals. We provide comprehensive retirement planning and wealth management with an emphasis on strategic future tax planning.
We emphasize that small improvements made along the way support natural growth and progression over time with discipline, patience, and consistency. Begin with the end in mind, and have confidence knowing that you have a plan in place to protect and grow your earnings.
The Bonsai Story
Bonsai trees are captivating and intriguing because they can be coaxed to grow in accordance with the time-tested principles of harmony and balance. And if coaxing is not sufficient, coercion is necessary in the form of a few specifically-placed modifications. Constant attention is required along with a steady hand for ongoing trimming of overgrowth, or anything that brings it out of balance.
At Bonsai Financial, we bring a similar measured approach to helping our clients structure their financial trees with solid platforms, sturdy and stable trunks, and branches that are in balance.
Our Services
Financial Planning
Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals. We use a consultative approach to create a financial plan that aims to meet your objectives.
Retirement Planning
Retirement planning shouldn’t start at retirement; it should start well before. We take a long-term view of your financial wellbeing to help create a life after work that is as well-planned as your life while working.
Investment Planning
Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help create and preserve your wealth so you reach your financial goals.
Asset-Map
Advice Starts Here.
One of the most important aspects of our client process is making sure that we understand our clients. Helping both of us see the big picture is essential to our ongoing communication and guidance.
We build a custom Asset-Map Report for all of our clients’ households and use it throughout our interactions to make sense of priorities and intentions as well as gaps and areas of improvement.
Team
Partner/Advisor
Blogs
If you’re like many investors, the thought of paying capital gains taxes on your successful investments might feel overwhelming. But what if there was a strategy to potentially reduce some of those taxes? It’s called tax loss harvesting, and while the term might sound complicated, it's actually a fairly simple concept that could save you money. Let’s break it down. What Is Tax Loss Harvesting? Think of your investments like a fruit-bearing tree. Some branches...
Is your retirement savings on track? If you’re like most people, you may feel it’s not. In fact, concerns about running out of money in retirement are very common. 1, 2 Many people today believe they’ll need at least $1.5 million saved to retire comfortably. 3 But is that number right for you? The real “magic number” varies widely depending on your current savings, future goals, and lifestyle plans. A clearer picture of retirement readiness...
What financial habits have helped you most in life? Which ones have held you back? No matter how you answer those questions, your money habits have a lot to do with how you grew up. 1 They also can be shaped by when you grew up. That’s because each generation can have a distinct perspective and different experiences shaping their approach to money and financial choices. With that, every generation can bring its own strengths...