Frequently Asked Questions

Many of our clients came to us after feeling underserved by the traditional model of reactive tax preparation and occasional investment reviews handled in silos with different advisors. They were looking for a more proactive relationship built on thoughtful advice, ongoing planning, and regular communication.

We offer two types of client services: 

Tax Advisory

Comprehensive tax planning and proactive guidance designed to help you make informed decisions throughout the year.

• Ongoing tax projections, planning, and guidance on estimates and withholding.
• Set quarterly check ins, with unlimited year-round access for questions
• Strategic advice for retirement savings, retirement income, Roth conversions, capital gains, charitable giving, business distributions, and other tax-sensitive decisions
• Federal and state tax return preparation and filing, including third-party audit defense
• Coordination with other specialists, including investment advisors, attorneys, and insurance professionals. 

Tax + Investment Advisory

Integrated tax and investment planning designed to coordinate your full financial picture. 

Includes all Tax Advisory services, plus:

• Customized investment portfolio design, management, and ongoing monitoring across all accounts
• Retirement income planning, including cash flow and withdrawal strategies
• Tax-efficient retirement planning, including Social Security, required minimum distributions (RMDs), Roth conversions, and withdrawal sequencing
• Ongoing coordination between investment and tax strategies
• A single advisory relationship focused on your complete financial picture

Tax Advisory fees start at $1,800 annually

Tax + Investment Advisory fees start at $7,200 annually

Fees may be higher based on individual complexity, but are always agreed to with clients in advance of services through a written engagement letter. We offer a fixed annual fee structure, providing clarity and predictability with no surprise fees added during the year. Tax Advisory fees are billed annually in January.  Tax + Investment Advisory fees are billed quarterly in arrears.

As an independent, fee-only fiduciary firm, we don't sell any financial products, earn commissions, receive compensation for referrals or recommendations, or charge fees based on a client's assets under management. Our compensation is only from the fees our clients pay us for advice and ongoing guidance. We believe this approach creates a straightforward relationship with fewer conflicts of interest and a clear understanding of exactly what you're paying for.

Ashland Advisors is a Registered Investment Adviser, providing fee‑only fiduciary investment advice. I am also a licensed CPA, emphasizing proactive tax planning to act early and help avoid surprises, and the CMA credential (Certified Management Accountant) adds operational expertise in forecasting and budgeting.  

My education background includes master’s degrees in finance, economics, and accounting, which gives me an informed view on investments, markets, and taxes.

I also bring a unique perspective from my corporate and entrepreneurial experience. With nearly two decades in corporate financial leadership roles and successfully co-founding and selling two businesses, I've learned that the best strategies are not necessarily the most complicated ones. They're the ones that can be confidently implemented and consistently followed. The best financial plan is the one you can stick to that helps you sleep well. 

I see investing as a long-term tool for building financial independence, not a vehicle for chasing the latest headlines or hot stock tips. The future is uncertain and unknowable, which is I focus on creating durable portfolios designed to support clients through a wide range of market environments. The best investment strategy is rarely the most exciting one; it's the one you can stay with that doesn't keep you up at night. 

Successful investing requires a balance between growth and income. Growth helps build long-term wealth, while income provides flexibility for spending needs, reinvestment, and account conversions at times when selling investments may not be ideal. Every client's circumstances are different, so portfolios are customized to their specific goals, income needs, opportunities, and risk tolerance.

Equally important, I know that personal finance is personal. Confidence, behavioral psychology, and peace of mind all play an important role in long-term financial success. I emphasize the psychological side of finances that typically gets missed in the spreadsheets.