Skip to main content


Wealthstream’s services can encompass the full spectrum of your financial needs, including advanced planning for investments, retirement, taxes, estate planning, cash flow, insurance, philanthropy, debt management and education funding.


  • Retirement income distribution strategies
  • Retirement cash flow scenarios
  • Social Security planning
  • Maximization of retirement plan options at work

Tax Planning

  • Monitoring and adapting to tax law changes
  • Tax planning strategies
  • Tax loss harvesting

Estate Planning

  • Tax minimization
  • Beneficiary designations
  • Business succession
  • Asset protection
  • Wealth transfer
  • Legacy planning

Debt Management

  • Cash flow management
  • Debt structure


  • Tax-sensitive planning
  • College funding projections
  • 529 plans
  • Other funding vehicles


  • Life, disability and long-term care
  • Review of existing policies
  • Needs analysis


  • Tax-effective charitable giving
  • Family involvement
  • Legacy creation
  • Donor-advised funds


  • Integration with risk tolerance
  • Focus on after-tax returns
  • Diversified portfolios
  • Alignment with goals

The Wealthstream Team Has Particular Focus in:

Retirement income strategies

  • Formulating a plan for withdrawals that minimizes taxes
  • Developing Social Security maximization strategies
  • Optimizing pension payout options
  • Determining timing of retirement payouts

Tax planning*

  • Coordinating tax strategies: sale of taxable assets, deductions, tax-loss harvesting, etc.
  • Minimizing tax exposure
  • Monitoring tax law changes and proposing tax-efficient solutions
  • Maximizing retirement savings plans
  • Analyzing Roth IRA conversion options

* The principal and associates of Wealthstream Advisors are neither tax accountants nor tax attorneys.

The Process

At Wealthstream, we embrace a comprehensive, ongoing process that looks at how all the different parts of your financial life work together in order to develop a plan that helps you achieve your financial goals.
A Total Approach. Gather: Understand your goals and what is truly important to you. Analyze: Analyze goals and align plan with your needs. Develop: Recommend integrated solutions. Implement: Create customized plan in conjunction with your other advisors. Monitor: Provide ongoing coaching and support. Review: Continuously review and revise.

Investment Philosophy

At Wealthstream, we have designed an evidence-based investment strategy built on decades of Nobel Prize-winning research. We create and employ strategies founded upon consistency and discipline, with a focus on tax efficiency, low costs, diversification and asset allocation, all in an effort to achieve optimal after-tax returns. Acting in a fiduciary capacity, we work with you to design an investment strategy that is fully integrated with all aspects of your financial life; investment decisions are never made in isolation, but rather as a part of your entire financial plan.

Wealthstream’s Investing Principles

  • We are fiduciaries—we are bound by law to act in your best interest.
  • We take an academic approach to investing that is supported by decades of evidence-based research.
  • We believe diversification and asset allocation are key drivers of performance.
  • We emphasize tax-efficient investing and after-tax returns.
  • We ignore the media noise and Wall Street hype, relying instead on proven principles and a long-term approach.
  • We subscribe to the evidence that the majority of active managers underperform their benchmarks over time, after fees.
  • We focus on keeping your investment expenses low.
  • We stay unbiased and independent—we have no ties to any investment managers.
  • We invest for total return after taxes and net of fees, by focusing on both investment income and appreciation.
  • We rebalance as necessary to maintain your risk and return profile—”buy low, sell high.”
  • We help you overcome urges to change investments at the wrong time—patience and discipline prove the wisest strategies. We coach you through inclinations to be too conservative or too aggressive, both of which can impede the achievement of your goals.

Company Retirement Plans


Wealthstream works hand in hand with business owners on establishing and maintaining an appropriate retirement plan based on the firm’s and participants’ respective goals and needs. We utilize a variety of recordkeepers and third party administrators in order to ensure that your company plan is put into practice and managed by industry experts.

Investment Recommendations

Many company retirement plans are limited to a specific set of costly mutual funds. Wealthstream offers the opportunity for plans to use an open architecture platform focused on low cost fund options and specific model portfolios based on each participant’s given risk profile. Our goal is to educate owners and participants on the benefits of company retirement plans.