Some Financial Advisors Just Want to Manage Your Money. We’d Rather Change How You Think About It.

There’s a question at the center of every financial decision you make: how much is enough? Enough to retire. Enough to feel secure. Enough to stop trading your time for money. We’re a fee-only, fiduciary financial planning firm built around helping you answer that question. Both quantitatively and emotionally.

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We’re not going anywhere.

John standing on a busy walkway

CERTIFIED FINANCIAL PLANNER™ Professional | Accredited Estate Planner® Professional
Fee-Only | Legally Required to Act in Your Best Interest

We’re serious about providing value.

One of the harshest truths about the financial advice industry is that it’s really hard for you to determine if you’re receiving good value from your advisor. Our goal is to provide you with fee-only financial advice and coordination across your financial life that makes you feel heard and like you’re in good hands.

We Diagnose Before We Prescribe

You wouldn’t trust a doctor who wrote a prescription before they examined you. Before we recommend anything, we learn about your full financial picture. This helps us diagnose what you need, and that diagnosis drives the plan.

We Find What Others Might Have Missed

This is where it gets interesting. When someone actually coordinates across your tax return, investment accounts, employee benefits, retirement plan, and estate documents, things show up. Money doesn’t hide; it just waits for someone to look.

We Build Things You’ll Actually Use

Once we’ve diagnosed your situation and identified opportunities, we develop a clear, prioritized implementation plan that evolves with you. We meet regularly and move towards your goals with you. This is a financial planning relationship built for the long term.

We don’t pretend to be for everyone.

We work with two types of clients. Both are smart, both are capable, and both have reached the point where “figuring it out myself” stopped being the best use of their time.

A street in Edinburgh looking up at Edinburgh castle as the sun is setting.

The Builder

You’re earning well, you’re saving, and you’re making moves. But you’ve got a retirement account through work doing one thing, a brokerage account doing another, a tax bill you’re not thrilled about, and no one connecting the dots. You don’t need more accounts, you need a financial planner who sees the full picture.

The Steward

You did the hard part. Now the questions are different and harder to answer with confidence. How do you use your wealth in a way that sustains you for the rest of your life? Your strongest partner in answering that question is a fee-only advisor who can help you see what you can’t.

Smart People.
Incomplete Plans.

You’re not here because you’re bad with money.
You’re here because being good with money and having an actual strategy are two different things. Do any of these sound familiar?

“I make great money and I still feel like I’m winging it.”

“I’ve got a 401(k), a brokerage account, an old IRA, and no idea if any of them are talking to each other.”

“I’m pretty sure I’m overpaying in taxes. I’m also pretty sure my accountant isn’t thinking the way I need them to.”

“I could probably retire. Or maybe I can’t. I’ve run three online calculators and gotten three different answers.”

“I’ve been saving for 30 years. Now I have the money and I’m still acting like I don’t.”

“Something big just happened — inheritance, equity event, life change — and I need a serious plan for it.”

I named this firm after an old Scots word I uncovered on a trip that changed how I think about money.

Hamewith means “homeward”; the idea of heading towards the truest sense of self. I started this firm not only because I have particular convictions about what the financial planning and wealth management experience should look like, but because it was my own version of pursuing joy and coming home crafted from having been studying and practicing financial planning in Rochester, NY since 2011.

I’m a CERTIFIED FINANCIAL PLANNER™ professional, an Accredited Estate Planner® professional, and I hold a master’s degree in personal financial planning. I’ve spent my career in the weeds of tax strategy, retirement income, and investment management. Not because I love spreadsheets (though I do), but because the details and the people to whom they pertain are the important parts.

John standing in front of a stone wall surrounding a graveyard in Scotland.

You Don’t Need Another Opinion. You Need an Actual Plan.

It’s time for a clear conversation about where you are and whether we’re the right fit to help you get where you’re going.