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.
Case Studies
Success stories.
Retiring without the tax surprise
Scenario
A couple in their early 60s had saved diligently, but nearly all of it sat in tax-deferred accounts, setting up a large required-withdrawal tax bill in their 70s.
Outcome
A multi-year series of Roth conversions in their lower-income window trimmed their projected lifetime taxes and let them retire a year earlier than planned.
A lifelong saver, finally with a plan
Scenario
A single professional had built more than $1M across a dozen old 401(k)s and brokerage accounts, but had never worked with an advisor and had no withdrawal plan.
Outcome
We consolidated everything into one low-cost, tax-efficient portfolio with a clear, plain-English income plan, and cut the ongoing fees they'd quietly been paying.
A young family getting serious
Scenario
Two working parents in their late 30s were saving steadily but weren't sure it was enough, or that they were doing it in the right order.
Outcome
A simple automated plan put their retirement, an emergency cushion, and the kids' college savings on track, without them having to think about it every month.
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
Prefer to talk it through? Skip the form and grab a time that works.
Schedule a Meeting