More conservative
The sturdy core
A broad, globally diversified ETF portfolio. Low-cost, tax-efficient, and for many clients the whole thing.
Comprehensive services configured to your goals.
Financial planning, investment management, retirement planning, and estate planning, delivered as one coordinated plan, built around your goals and adjusted as your life changes.
What We Do
Four services. One plan.
Every decision in one of these touches the other three. A retirement date changes the portfolio. A portfolio change moves the tax bill. The tax bill decides what’s left to pass on.
So nothing gets handled in isolation. Each service runs through the same four-step approach, and every recommendation is checked against the rest of the plan, taxes included, at every step.
Financial planning
What you have, what it’s for, and what happens next.
One strategy covering your saving, investing, taxes, insurance, and what you eventually pass on, with what each piece is for, and in what order. It’s a working document, short enough to use, and it changes when your life does, not on a fixed script.
- A written plan that ties retirement, taxes, your estate, and the unexpected into one strategy.
- Next steps in priority order, so the important things don’t sit undone.
- A standing quarterly review that keeps the plan current.
Investment management
Built to your situation, not a model with your name typed in.
Diversified portfolios built on low-cost, tax-efficient ETFs and stock strategies: a broad, inexpensive ETF base with strategies layered around it, or a portfolio of individual stocks. Whichever fits, nothing gets recommended until we know you.
- All-stock strategies carry more risk, so they aren’t for everyone.
- Taxes managed inside the portfolio all year, not cleaned up in April.
- No two portfolios here match: risk is set to your life, and every holding has a reason it’s there.
Retirement planning
Decades of saving, turned into a paycheck.
The work shifts from growing the money to sequencing it: which account pays first, when Social Security starts, how this year’s withdrawals shape next year’s taxes, and what a rough market means for the paycheck. In retirement, the order of things matters as much as the amounts.
- Social Security timed for your household, not claimed by default.
- Withdrawals sequenced across accounts, with required withdrawals handled on schedule.
- Roth conversions weighed in the years they do the most good.
Estate planning
What you leave, landing the way you intend.
Most of estate planning is quiet, careful checking: beneficiaries that match your intentions, accounts titled correctly, and giving to family and to causes arranged tax-efficiently. We coordinate with your attorney on the documents and keep the whole picture current as life changes.
- Beneficiaries and account titling checked, so the estate goes where you decided.
- Trusts and charitable giving arranged tax-efficiently, with your attorney.
- Family conversations started early, so nothing in the plan comes as a surprise.
How We Build Portfolios
Built from parts, chosen for a person.
Every portfolio here starts with a sturdy core: broad, low-cost, tax-efficient. Around it we layer strategies we run ourselves, chosen once we know your taxes, your timeline, and your appetite for risk.
More conservative
Paid by the portfolio
Dividend-paying US companies, held directly and managed position by position. Built to produce income.
More aggressive
Core, plus a push for growth
The sturdy core with a focused growth strategy layered on top. The core does the heavy lifting and the strategy does the reaching.
These are examples, not recommendations. Nothing gets recommended until we know your situation.
Common Scenarios
Planning for critical financial situations.
Your ESOP is your largest asset
The situation
After years of building the company, your ESOP has become your largest asset. Most of your wealth now rides on a single stock, creating real tax and concentration risk.
How we’d approach it
We'd diversify the position gradually, manage the tax impact, and reinvest around your goals, turning one concentrated asset into durable, diversified wealth.
Receiving an inheritance
The situation
A loved one passes away and leaves you an inheritance, along with a wave of decisions about investing, taxes, and honoring their legacy, all at an emotional time.
How we’d approach it
We'd slow things down, coordinate with your CPA and estate attorney, and build a plan that preserves the inheritance, limits taxes, and protects it for the next generation.
Seven years from retirement
The situation
You've saved consistently, and retirement is now about seven years out. The focus shifts from building wealth to making it last.
How we’d approach it
We'd build an income strategy, plan tax-efficient withdrawals, time Social Security and Medicare, and stress-test it all so you can retire with confidence.
Overconcentrated in one stock
The situation
Years of options, RSUs, or company stock have left you with a large position in a single company, and much of your future now rides on how it performs.
How we’d approach it
We'd bring the position down on a deliberate schedule, manage the capital-gains tax, and reinvest into a portfolio built around your goals.
Selling your business
The situation
You're preparing to sell the business you spent years building. It could create substantial wealth, and a tangle of tax, investment, and estate decisions.
How we’d approach it
We'd work with your CPA and attorney on both sides of the sale, reducing the tax bite and turning the proceeds into lasting, well-invested wealth.
Enough saved, afraid to spend
The situation
You've saved diligently for years and you have enough. The hard part is knowing how much you can actually spend without putting your future at risk.
How we’d approach it
We'd map sustainable income, taxes, and healthcare into one clear plan, so you can spend with confidence knowing the long-term picture holds.
Hypothetical scenarios shown for illustration only. They do not depict actual clients or results, and are not a guarantee of future outcomes.
Our Principal
Work with Marc and his team.
Marc Neighbor founded HomeBrook to give everyday savers the same straightforward advice he'd want for his own family. He works with people who built real wealth the steady way and would rather spend their time outdoors than watching the markets.
Meet the Team
Marc Neighbor
Founder & Wealth Adviser
FAQ
Questions people usually ask.
If yours isn't here, bring it to a first conversation. We'd rather answer it straight than leave you wondering.
Browse all the questions- Do you only manage investments?
- No. The portfolio is one piece. The work covers saving, taxes, insurance, retirement income, and what you eventually pass on, and every recommendation gets checked against the rest of the plan.
- What happens to my old 401(k)s?
- First they all get onto one page. Then it depends: some get rolled into an IRA, some stay right where they are because the plan is good. Fees, investment options, and taxes decide, not a default.
- Do I have to sell everything to move my accounts?
- No. Most holdings can transfer as they are, and anything worth changing gets unwound on a tax-aware schedule. Moving shouldn't cost you a tax bill on day one.
- When does a Roth conversion make sense?
- Usually in lower-income windows. The years between retiring and required withdrawals are the classic one. We model it year by year; sometimes the answer is not yet, or not at all.
- Will you work with my CPA and attorney?
- Yes, and we'd rather. They know your history; we bring the plan. We coordinate with them through the year so nothing falls between the cracks.
Get in Touch
Start with a conversation.
Tell us where you are and what's on your mind. We'll listen, ask questions, and tell you honestly whether we can help.
- A fiduciary who puts your interests first
- One clear plan for your retirement, your taxes, and your legacy
- Straight answers, no jargon, no pressure
- A relaxed first conversation, with no obligation