Business Details
Your Financial Life Planning Partner
At Ridgeline Wealth, we serve as dedicated guides on your financial journey, prioritizing personalized stewardship of your resources. Our approach begins with understanding your deepest values and life goals, creating tailored financial plans that align with your unique aspirations. With a focus on tax efficiency and strategic asset allocation, we help clients navigate complex financial landscapes while minimizing unnecessary costs and risks. Our team combines evidence-based investment strategies with compassionate guidance, ensuring clients feel supported through major life transitions. We specialize in integrating long-term financial planning with day-to-day decision-making, helping clients move from mere financial success to meaningful significance.Through ongoing portfolio maintenance and behavioral coaching, we aim to reduce emotional volatility in investment decisions. Our small, accessible team maintains direct relationships with every client, never outsourcing the human connection that forms the core of our service. With decades of combined experience, our advisors bring specialized expertise in tax planning, risk management, and generational wealth strategies. We serve accomplished individuals who value their time and seek professional partnership in managing their financial futures. Our commitment to transparency, ethical standards, and client-centric service has earned us the trust of clients navigating life's most important financial decisions.
Services
Financial Life Planning
Tax Planning
Investment Management
Risk Management
Cash Flow Planning
Wealth Preservation
Portfolio Analysis
Behavioral Coaching
Asset Allocation
Estate Planning
Highlights and features
- We offer personalized financial planning rooted in your unique values and life goals
- Our team holds multiple industry certifications including CFP and CPA designations
- We implement tax-efficient strategies to maximize wealth preservation
- Our approach integrates investment management with comprehensive financial planning
- We maintain direct, personal relationships with every client through our boutique model
Associations and certifications
- CLU
- ChFC
- CFP
- PFS
- CPA
Services
Financial Life Planning
Our Financial Life Planning process integrates personal values with financial strategies to create meaningful wealth journeys. We help clients define their financial finish line and develop coordinated plans that minimize tax impacts while maximizing significance. This comprehensive approach addresses both immediate needs and long-term aspirations.
Investment Management
We provide strategic asset allocation across global markets with a focus on tax efficiency and cost minimization. Our evidence-based approach combines factor investing with behavioral coaching to reduce emotional volatility. We maintain disciplined rebalancing strategies while remaining agnostic about active versus passive investment approaches.
Tax Planning
Our integrated tax planning services focus on maximizing after-tax returns through strategic asset location and tax-loss harvesting. We coordinate investment decisions with annual tax planning to create efficient financial strategies that consider both current and future tax implications across multiple generations.
Risk Management
We conduct comprehensive risk assessments to identify potential financial vulnerabilities. Our approach includes evaluating insurance needs, creating contingency plans, and implementing strategies to protect against unexpected life events while maintaining alignment with overall financial objectives.
Cash Flow Planning
Our cash flow planning services help clients understand and optimize their financial inflows and outflows. We develop sustainable spending strategies that support current lifestyle needs while maintaining progress toward long-term goals, incorporating both regular expenses and major life purchases.
People
Josh Self
Managing Partner
CLU, ChFC, and CFP designations holder with extensive experience in financial planning. Focuses on creating personalized wealth strategies that align with client values while maintaining tax efficiency and long-term sustainability.
Michael Perkins
Senior Wealth Planner
PFS and CPA credentialed professional specializing in tax-efficient financial planning. Brings technical expertise in integrating complex tax considerations with comprehensive wealth management strategies for high-net-worth clients.
Sandra Coghlan
Operations Manager
Manages firm operations with focus on client service excellence. Ensures smooth implementation of financial plans while maintaining the firm's commitment to personalized service and operational efficiency.
Michael Zeblo
Associate Advisor
CPA and CFP credentialed advisor providing analytical support for investment strategies and financial planning. Specializes in portfolio analysis and implementation of tax-efficient wealth management solutions.
Questions
What is Financial Life Planning?
Our Financial Life Planning process integrates your personal values and life goals with wealth management strategies to create meaningful financial journeys that extend beyond mere investment returns.
How do you differ from other financial advisors?
We focus on the intersection of personal values and financial decisions, maintaining direct client relationships without outsourcing, and emphasizing tax efficiency and behavioral coaching in our evidence-based approach.
What investment management fees do you charge?
Our tiered fee structure ranges from 1.500% for portfolios under $500,000 to 0.200% for assets over $10 million, with decreasing rates as account sizes increase.
How do you approach investment strategy?
We use factor-based investing principles with strategic asset allocation, remaining agnostic about active versus passive approaches while focusing on cost minimization and tax efficiency.
What services do you offer?
We provide comprehensive financial planning including tax optimization, investment management, risk assessment, cash flow planning, and behavioral coaching tailored to individual client needs.
How do you work with clients?
We begin by understanding your values and goals, then develop coordinated financial strategies that minimize tax impacts and help you achieve both financial success and personal significance.
