ClientFirst Wealth, Legacy & Estate Planning
Layered mountain ridges receding into haze under a golden sky

What we actually do

Four areas, reviewed every quarter

The service list and the review calendar are one and the same. That is deliberate. It is what makes the ninety-day review schedule mean something.

The four critical areas

One per quarter, every year

Q1 · Tax planning

Tax forms, a calculator and a pen on a dark surface, seen from aboveThe tax bill you can still changeIn the accumulation years, tax planning mostly means filing correctly. In the transition years it means deciding which bracket to fill, and when, while the choice is still yours.

Q2 · Income planning

A river stepping over a low weir past an old mill in open countrysideTurning a portfolio into a paycheckPeople often arrive with a number in their head and no plan for how it becomes monthly income. That gap is where the transition years go wrong.

Q3 · Investments & risk management

Rolling green hills dotted with trees, lit by a low sunrise through morning hazeBuilt for drawing down, not building upThe allocation that served you for thirty years of contributions was solving a different problem. Withdrawals change what risk means.

Q4 · Estate & legacy

A bare mature tree standing alone against a warm sunset skyWhat passes, to whom, and howBeneficiary designations override wills, and they go out of date quietly. This is the review that catches that.

Where the fixed-income discipline comes from

A specialty in fixed income

Designing your retirement paycheck

Decades of experience managing equities as well as fixed-income portfolios

Before founding ClientFirst, Ed Mahaffy managed fixed-income portfolios for commercial banks and charitable foundations. That experience informs how the firm approaches fixed income.

How they fit together

The rotation

Q1Q2Q3Q490DAYS MAX

You also have the flexibility to choose the order. Whether you want to start with tax planning or with investments and risk management, the order of the quarterly meetings is at your discretion.

Start with a 15-minute call

Step one is a 15-minute discovery phone call about your situation: your concerns, your goals, and whether our firm is a good fit. No cost, no obligation, and no requirement to transfer assets.

Book a 15-minute callTake the retirement readiness quiz