Investment management
Portfolio construction and ongoing management aligned to your goals, time horizon, and risk tolerance, including rebalancing and tax-aware placement.
What we do
Two disciplines. One coordinated plan.
Financial planning defines where you are going. Tax planning helps you make each decision with a clearer view of what it may cost. At 3rd Level Wealth, the two are designed to work together.
Financial planning
Bring every part of your financial life into focus.
Your plan connects the decisions that shape your life, family, business, and legacy. It creates the framework for what to do next and stays current as your circumstances change.
Retirement planning
A retirement strategy that connects income, investments, healthcare, Social Security, and the life you want your resources to support.
Cash flow and income planning
A clear picture of what is coming in and going out so saving, spending, investing, and giving all point in the same direction.
Risk management
A clear look at life, disability, and liability coverage so your protection matches your family’s actual needs.
Estate planning coordination
Beneficiaries, wills, trusts, and powers of attorney aligned with your wishes, in coordination with your estate attorney.
Charitable giving strategy
A thoughtful giving plan that supports the organizations you care about while fitting into your broader wealth and legacy goals.
Tax planning
Plan before the opportunity becomes a deadline.
Tax planning is proactive and year-round. We consider the tax consequences of financial decisions before they are made, then coordinate the strategy with the professionals involved.
Year-round tax strategy
Look ahead before deadlines pass, model the effect of major decisions, and coordinate recommendations with your tax professional.
Income and contribution planning
Manage tax brackets, retirement contributions, Roth conversions, distributions, and withholding with the full year in view.
Business and entity strategy
Evaluate entity structure, owner compensation, retirement plan design, and the tax consequences of growth or transition.
Giving and equity compensation
Coordinate charitable gifts, appreciated assets, stock options, RSUs, and sale timing with the rest of your financial plan.
Why they belong together
One decision often affects both sides of the plan.
Retirement income
Investment withdrawals affect cash flow, tax brackets, Medicare premiums, and the longevity of the portfolio.
Business decisions
Entity structure, owner compensation, benefits, and succession planning shape both business and personal outcomes.
Charitable giving
The right asset, timing, and giving structure can support your values while improving the efficiency of the broader plan.
Where we go deeper
Specialized planning for complex decisions.
For business owners
Business planning and succession
- Entity structure and tax elections
- Owner compensation and retirement plan design
- Buy-sell and key-person coverage review
- Succession and exit planning
For high-income households
Equity compensation strategy
- RSU, stock option, and ESPP planning
- Exercise and sale timing
- Backdoor and mega backdoor Roth strategy
- AMT and Net Investment Income Tax planning
A simple first step
Ready to see where you stand?
We’ll start with your situation and build around the services that matter most.
Schedule a discovery call