Guidance for Every Stage of Wealth
From building strong financial foundations to navigating life’s most significant transitions, our work is centered on thoughtful, long-term partnership.
Investment Management
At Greenhouse, investment management is grounded in discipline, not speculation.
We believe more money is lost overlooking important details than gained choosing spectacular investments. Our approach centers on thoughtful asset allocation, cost efficiency, and consistency over time—using predominantly low-cost, broadly diversified index investments as the foundation of client portfolios.
As fiduciary advisors, we manage portfolios on a discretionary basis, always acting in your best interest. Every portfolio is tailored to your objectives, circumstances, and the trade-offs that matter most—balancing growth and protection while incorporating tax efficiency and income generation where appropriate. Costs matter, taxes matter, and structure matters—and we focus on getting those right.
Our role extends beyond selecting investments. We continuously monitor and refine portfolios through disciplined rebalancing, risk management, tax-loss harvesting, and thoughtful adjustments designed to enhance long-term outcomes. When markets shift or life evolves, your portfolio evolves with it.
At our core, we believe every client deserves independent advice, grounded in a fiduciary commitment to put their interests first—and a process designed to help you grow, protect, and enjoy your wealth over time.
Retirement Planning
The transition from full-time work to retirement is one of the most meaningful inflection points in a client’s financial life.
While each situation is unique, many of the same questions arise: Will my assets support the lifestyle I’ve envisioned? How will I navigate healthcare and unexpected expenses? Can my portfolio withstand volatility without compromising the people and priorities I care most about? And perhaps most importantly—will I feel the freedom to fully enjoy this next chapter without hesitation?
These are important questions, and they deserve a thoughtful, disciplined approach. At Greenhouse, we develop comprehensive financial plans designed to bring clarity to your financial life—helping you understand what’s sustainable, where flexibility exists, and how different decisions may shape your long-term outcomes.
Our work extends well beyond the initial plan. We guide key decisions with care—from Social Security timing and Medicare coordination to the sequencing of withdrawals across account types. With a focus on tax efficiency, we proactively manage income and distributions, thoughtfully filling lower tax brackets through strategies such as Roth conversions and capital gain realization.
Retirement is not a static destination—it is an evolving series of chapters. As markets, tax laws, and personal circumstances change, we remain actively engaged—refining strategy, identifying opportunities, and helping ensure each phase is approached with confidence. The goal is simple: to give you the clarity, peace of mind, and freedom to fully enjoy what comes next.
Wealth Transfer
Thoughtful wealth transfer is about more than passing assets—it’s about preparing the next generation to steward them with confidence, perspective, and purpose.
At Greenhouse, one of the most important things we do is build relationships with the next generation early, helping them develop a strong financial foundation they can build on over time.
That often begins with the fundamentals—guidance on investing within a 401(k), establishing 529 plans when children are born, or evaluating the affordability of a first home. Over time, these relationships deepen. As circumstances grow more complex, so does our engagement—providing ongoing advice, structure, and perspective as they take on greater financial responsibility.
When the time comes for a significant wealth transfer, we are already in place—helping ensure decisions are made thoughtfully, tax-efficiently, and in alignment with the family’s broader goals. Our role is to help the next generation not only manage wealth, but to carry forward the values and legacy of those who came before them.
We work alongside a carefully curated network of trusted professionals—including estate planning attorneys, certified public accountants, and other specialists—to bring a comprehensive team to the table. Together, we provide the expertise, experience, and continuity needed to support families across generations, helping ensure wealth is preserved, understood, and carried forward with intention.
Frequently Asked Questions
-
We typically work with high-net-worth individuals and families seeking thoughtful financial guidance, including professionals, business owners, and those approaching or in retirement. Our clients value a relationship-driven approach and a trusted partner to help navigate important financial decisions over time.
-
We are a fee-only firm, meaning we are compensated solely by our clients—not through commissions or product sales—so our advice remains objective and aligned with your best interests. Our fees are calculated as a transparent percentage of assets under management, with no hidden costs, and are billed quarterly in arrears.
-
We take a relationship-first approach, serving as a central resource across your full financial picture—not just your portfolio. By maintaining a low client-to-advisor ratio, we deliver a high level of attention, responsiveness, and personalized guidance. Through disciplined, low-cost investment strategies, we help reduce unnecessary expenses—so you keep more of what you earn.
-
The first meeting is a complimentary, no-obligation conversation focused on understanding you and your family—your goals, priorities, and overall financial picture—while giving you a clear sense of how we work and answering any questions you may have. We typically begin with a brief introductory phone call to determine what information would be helpful to gather in advance of your in-person or Zoom meeting.
Let’s build a plan that evolves with you
Whether you’re planning ahead or navigating a pivotal moment, we’re here to provide clarity and direction.