Cash flow
Understanding what's coming in, going out, and available to direct toward goals.
What we do
Planning leads. Investment management carries it out.
The plan comes first: cash flow, tax, retirement, and the decisions that matter most. Investment management exists to implement that plan, not the other way around.
Integrated financial planning
One plan, covering the domains that actually interact.
Tax
Planning decisions with tax consequences in view, within MHW's own competency.
Retirement
Building toward, and eventually drawing from, accumulated assets.
Insurance
Identifying where risk is uncovered or over-covered relative to the plan.
Education
Funding strategy for education goals within the household's broader plan.
Equity compensation
Options, RSUs, and concentrated positions considered as part of the whole plan.
Business ownership
Where business and personal finances interact, coordinated within MHW's planning scope.
Estate coordination
Making sure planning decisions line up with estate documents prepared by qualified counsel.
Investment management
Built to carry out the plan.
Accounts are constructed and monitored against the plan's own objectives, held at an independent qualified custodian, and adjusted as the plan changes. This description is not a philosophy statement, a return expectation, or a performance claim.
Decision support through transitions
Planning and investment management, applied together.
A career change, a liquidity event, retirement, or a business transition each affect both the plan and the portfolio at the same time, not as two separate services.
Professional coordination
Where specialist expertise is needed, we coordinate it.
CPA / tax preparer
Handles tax return preparation and complex tax positions.
Estate-planning attorney
Drafts wills, trusts, and other legal estate documents.
Insurance professional
Handles underwriting and policy placement.
Business & transaction specialists
Handles valuation, deal structure, and transaction execution.
What this does not mean
MHW does not prepare tax returns, draft legal documents, perform business valuations, or execute business transactions itself. These are coordinated with the qualified specialist who performs them.
Planning-only
A planning-only engagement is also available.
For situations that call for planning without ongoing investment management. Scope, deliverables, and fees are covered on Fees & Fit.
See how it works day to day
Understand how a plan gets built, checked, and adapted.
Our approach describes the working relationship itself, not just what's covered.