Comprehensive wealth management,
thoughtfully integrated.

Financial Planning

A written, living financial plan is the foundation of every client relationship at Skyview. We don't believe in cookie-cutter plans or off-the-shelf packages. Each plan is built from the ground up around your circumstances, your obligations, and the life you are working to build — and it evolves as your circumstances change.

Our planning process starts with listening. Before we make a single recommendation, we work to understand your full financial picture: cash flow and savings capacity, debts, employer benefits, equity compensation, taxes, insurance coverage, estate documents, education funding obligations, and the specific goals that matter most to you and your family.

From there we build the plan: a clear, written strategy that connects investments, taxes, retirement, and risk management into a coherent whole. The plan is not a one-time deliverable — it is a working document we revisit as life unfolds.

• Cash flow analysis and savings strategy
• Goal funding and timeline modeling
• Debt structure and refinancing review
• Insurance and risk management coordination
• Education funding (529 plans, custodial accounts)
• Charitable giving and family wealth strategy
• Estate document review and coordination with counsel
• Annual plan review and ongoing recalibration

Investment Management

We craft customized investment portfolios based only on the needs of the client. We do not utilize cookie-cutter, one-size-fits-all packaged investment portfolios or products. Every portfolio is constructed around your goals, your time horizon, your risk tolerance, and your tax profile.

Our investment philosophy is grounded in evidence — global diversification, disciplined rebalancing, low-cost implementation, and a tax-aware structure. We avoid speculation and chasing performance. Instead, we focus on the decisions that academic research and decades of market history suggest matter most: asset allocation, cost discipline, tax efficiency, and behavioral consistency. Our team's credentials — including the CIMA® (Certified Investment Management Analyst) and CPWA® (Certified Private Wealth Advisor) designations — reflect our commitment to advanced portfolio construction and high-net-worth planning expertise.

As an independent firm, we have access to the full universe of investment vehicles — institutional mutual funds, exchange-traded funds, individual securities, alternative investments where appropriate, and direct indexing strategies for tax-aware investors. Custody is held at major institutional partners including Fidelity and Charles Schwab, providing the security and reporting infrastructure our clients expect.

• Customized portfolio construction
• Globally diversified asset allocation
• Tax-aware asset location across account types
• Disciplined rebalancing and risk management
• Direct indexing and tax-loss harvesting
• Concentrated position management
• Alternative investment access where appropriate
• Quarterly reporting and ongoing portfolio review

Retirement Planning

See our dedicated Retirement Planning page →

Retirement planning is not just about how much you save — it's about how you transition from accumulating wealth to drawing on it. The decisions you make in the years immediately before and after retirement have an outsized impact on whether your assets last as long as you do.

We help clients build a durable retirement income strategy that addresses the specific risks of this life stage: sequence-of-returns risk, longevity risk, healthcare cost risk, and the tax consequences of withdrawing from different account types. We model multiple scenarios and stress-test the plan against the realities of long retirements, market downturns, and unexpected expenses.

For pre-retirees, we focus on the optimization decisions that compound for decades: Roth conversion strategies, Social Security claiming optimization, asset location across taxable and tax-advantaged accounts, and the timing of major life decisions. For those already retired, we manage the ongoing balance between income, growth, taxes, and legacy.

• Retirement income modeling and stress testing
• Social Security claiming strategy
• Roth conversion analysis and execution
• Required Minimum Distribution (RMD) planning
• Withdrawal sequencing across account types
• Medicare coordination and IRMAA planning
• Healthcare cost projection and HSA strategy
• Pension election analysis (lump sum vs. annuity)

Tax-Aware Strategies

See our dedicated Tax-Aware Strategies page →

What you keep matters as much as what you earn. For high-income professionals, business owners, and retirees, taxes are typically the single largest expense over a lifetime — and the area where thoughtful planning produces the largest difference. We integrate tax-aware thinking into every dimension of our advice.

This is not tax preparation — your CPA continues to file your returns. What we do is design the structure: where assets live (taxable, tax-deferred, tax-free), when income is recognized, how losses are harvested, how charitable giving is funded, and how lifetime tax burden is minimized across decades rather than just the current year.

We coordinate directly with your CPA and estate attorney to ensure planning decisions align across professionals. For clients with concentrated stock positions, equity compensation, business interests, or charitable giving programs, the tax planning lever is often the most consequential one we can pull.

For clients holding appreciated employer stock inside a retirement plan, net unrealized appreciation can change the tax treatment of a distribution considerably — and the option is lost once the shares are rolled into an IRA.

• Asset location across account types
• Tax-loss harvesting and gain-loss matching
• Roth conversion ladders and timing
• Qualified Charitable Distributions (QCDs)
• Donor-Advised Funds and charitable giving structures
• Concentrated position diversification (exchange funds, charitable trusts)
• Multi-year tax projections and bracket management
• Coordination with your CPA and estate attorney

Equity Compensation Planning

See our dedicated Equity Compensation Planning page →

Making the most out of your company stock options, stock grants, and restricted stock is one of the most complex financial challenges one will face. When should you exercise your stock options? What are the tax ramifications? How does the movement in your company stock impact your retirement?

We formulate a plan of action taking into consideration taxes and the potential gains of the underlying stock. We can create a comprehensive stock option analysis to determine exactly when to exercise based on the time value, tax treatment, exercise price, and intrinsic value.

Monetizing concentrated equity positions is also a challenge for those who have a significant portion of their net worth tied up in company stock and options. Financing stock options is an important strategy that is often overlooked.

Financing an option exercise: what it can do, and what it risks

Exercising options often requires cash for both the strike price and the resulting tax bill. Financing that exercise is one approach to consider. It is not the right approach for everyone, and the tradeoffs are real.

What it may make possible

• Covering the exercise cost and associated tax without selling shares
• Exercising ahead of an expiration date rather than at it
• Retaining exposure to the shares after exercise
• Access to liquidity without a same-day sale
• Retaining exercised shares if you leave the company
• In some fact patterns, a more favourable tax outcome from exercising earlier

Material risks and limitations

• Leverage cuts both ways. If the share price falls below your exercise price, you may owe more than the shares are worth.
• Borrowing has a cost. Interest accrues whether or not the stock appreciates, and can exceed any tax benefit.
• Recourse may extend beyond the shares. Depending on the structure, other assets may be pledged or at risk.
• ISO exercises can trigger alternative minimum tax in the year of exercise, even with no shares sold and no cash received.
• Concentration risk increases. Financing to hold shares increases exposure to a single company.
• Availability is not assured. Terms depend on the lender, the company, the security, and your circumstances.
• Company restrictions may apply. Insider trading policies, blackout windows, Rule 144 and pledging prohibitions can all limit or prevent this strategy.

The above is general education, not a recommendation. Whether an option-exercise financing strategy is appropriate depends entirely on your individual circumstances, including your tax position, liquidity, and your employer's equity plan and trading policies. Discuss any such strategy with your tax advisor and with us before acting.

We can help you with:

• Incentive Stock Options (ISO)
• Non-Qualified Options (NQ)
• Restricted Stock Units (RSU)
• 83(b) Election analysis
• Net Unrealized Appreciation (NUA) strategy
• 10b5-1 trading plans
• Rule 144 sales
• Hedging and monetization strategies
• Multi-year tax projections
• Coordination with your CPA