Our Services

Debt Management

Whether your goal is the elimination of debt or using debt pro-actively to enhance returns through leverage - we can help. It doesn’t matter if it is student loan debt, consumer debt or just developing a plan to pay off the mortgage early - we’ve done it before.

Having personally paid down over $150k in graduate school debt in under 3 years only to marry into another $200k of student debt (also paid off in 3 years) - I have shortcuts to reduce interest rates on most types of debt. Using financial leverage to enhance investment returns is an advanced strategy, but it does not have to be an added source of risk in your overall portfolio.

Retirement Planning

There is nothing more important than getting started! If you have already made this critical first step, let us help you with the next -- selecting the proper investments and asset allocation to help you attain your financial goals. We focus on taking advantage of all of your tax-advantaged accounts first (IRA, 401k, HSA, Solo 401k, etc.) and then identifying the best investment options for taxable accounts.

While most professionals take advantage of various qualified retirement accounts - are you optimizing the mix of accounts available to you and making sure you are not missing out on any additional company match, better returns or further tax savings? We advise on backdoor IRAs, in-service 401k conversions, after-tax 401k contributions, Solo 401ks, Roth conversions and much more. Additionally, it is important to take a comprehensive view of asset allocation across all investment and savings accounts to make sure your overall asset allocation is aligned with your actual risk tolerance.

College Funding

Many clients want to “pay it forward” and give their kids a head start in life by not saddling them with significant college debt. However, these same clients may be struggling to understand the differences between pre-paid college plans, 529s, student loan options, or the best way of tapping into their nest egg to pay for tuition. There is no single answer that works for every family or individual, but we can help “crunch the numbers” and make sure you take the best path when it comes to your children’s education.

For professionals considering public service loan forgiveness (PSLF), we can help shed light on the current options and drawbacks.

As an employee, hopefully you are getting the full 401k match offered by your employer. Great work! But are you taking full advantage of your HSA or FSA account or dependent care account options? Is the pricing of your health insurance plan drastically different than your spouse’s benefits? What is the cost difference to add the kids to your health insurance plan versus your spouse’s plan? Should you consider paying for the supplemental accident/disability/life insurance offered by your employer?

Optimizing your corporate benefits could save you thousands of dollars per year. Furthermore, many professionals have access to compensation deferral programs, unvested stock or options, or other programs that (used correctly) could lead to thousands of dollars in savings. We help clients evaluate all of these options and maximize the impact of their choices.

On a line-item basis, federal taxes are typically one of largest expenses for most working professionals. While tax breaks for W2 employees are limited and constantly changing, a comprehensive review of past tax filings can uncover thousand or even tens of thousands of dollars in hard cash savings.

We help clients make sure they have considered every single tax break available to them and perform continuous tax advising during the year to make sure that clients pay the minimum amount of personal income tax possible. Beyond income sheltering, we focus on tax-loss harvesting, tax-efficient investing and income deferral strategies.

At the end of the day, working professionals (married or single, with or without kids) all spend money on monthly expenses like groceries, gas, rent/mortgage, or home improvements. Are you taking advantage of simple steps to capture all the rewards on your daily spending? We believe that clients without debt should use the right accounts and credit cards to rack up rewards for these daily expenses.

While some may cringe at the thought of credit cards, at Axiom we have helped clients gain rewards such as over $10,000 in cash, four first-class tickets to Europe, or two years of free flights on Southwest Airlines just by using the right credit cards. Let us help you cash in on rewards for money you’re already spending!