You’re Earning Well.

Balance Sheet & Account Consolidation

You have accounts everywhere—old 401(k)s, IRAs, brokerage accounts, maybe a spouse’s separate accounts. We start by organizing everything you own into a clear balance sheet so you can actually see what you have, where it is, and how the pieces fit together. Then we consolidate and coordinate the asset allocation across all accounts so every dollar is working toward your goals.

The Savings Checklist

There’s an order of operations for building wealth: emergency fund, employer match, Health Savings Accounts (HSA), 401(k)/403(b) max, Backdoor Roth, taxable account, and more. Most families aren’t following it—or don’t know it exists. We help you save in the right sequence so you’re not leaving tax advantages or free money on the table.

Employer Benefit Evaluation

Your employer benefits package is one of your most valuable assets—and one of the most overlooked. We evaluate your 401(k), 403(b), 457(b), deferred compensation, restricted stock, stock options, employee stock purchase plans (ESOP), Health Savings Accounts (HSAs), and any Mega Backdoor Roth opportunities to help ensure you’re maximizing every available benefit.

Tax Aware Investing

Where you hold your investments matters as much as what you hold. We design your portfolio to minimize the annual tax drag of investing by placing tax-inefficient strategies in tax-deferred or tax-exempt accounts. We actively monitor your taxable investment portfolio looking for opportunities for tax loss harvesting. At higher income levels, the difference between a tax-aware portfolio and a tax-oblivious one can be significant over time.

Tax Planning by a CPA

Highland’s team includes licensed CPAs who perform tax analysis directly—and coordinate with your tax preparer. An annual letter to your tax preparer can make sure they adjust your return for the planning opportunities executed this year. We develop strategies to minimize your lifetime tax liability by managing your taxable income across brackets: IRA to Roth conversions when your income dips, capital loss harvesting, asset location optimization, and income bracket management.

Investment Management

Your investment portfolio should be built around your financial plan, your tax situation, and your timeline—not a generic model. We balance investments made for Growth and appreciation with those selected for Risk Reduction and stability. Adding Non-Correlated investments and alternative strategies can add diversification. We manage your investments with a disciplined approach using diversified, low-cost portfolios, and we coordinate every investment decision with your broader financial strategy. Our approach looks at your entire portfolio, including employer retirement plans.

Strategic Cash Management

Your “emergency fund” should be built into your investment portfolio and not sitting in cash. Our layered approach builds up from a foundation of Risk Reduction for stability, then into investments for Growth and appreciation.

Financial Independence Roadmap

How much is enough? What’s your number? We help you figure out what financial independence looks like for your family—when your portfolio’s investment returns exceed your spending—and build a clear path to get there. Whether that means early retirement, a career change, or simply the freedom to choose, we’ll show you what it takes.

College Savings Strategy

College is one of the biggest expenses your family will face—and many parents are nervous about the costs. We help you evaluate 529 plans, understand the Wisconsin state tax deduction, and balance education savings against retirement savings so you’re not sacrificing your future for your children’s tuition.

Estate Planning Coordination

You need an estate plan. If you don’t have one, we’ll prompt you to get one and coordinate with an attorney. If you have one that’s outdated, we’ll review it to see if is still applicable to your situation. We help ensure your beneficiary designations, account titling, and trust structures are aligned with your current wishes—because families with growing wealth need documents that keep pace.

Insurance Review

Do you have the right life insurance? Is your disability coverage adequate for your income? Are your property, casualty, and liability coverages keeping up with your growing assets? We provide an independent, objective review of your insurance situation and make recommendations—we don’t sell insurance.

Step 1: A Conversation.

Tell us about your situation—your career, your family, your goals, and what’s keeping you up at night financially. There is no cost and no obligation for this initial conversation.

Step 2: We Do the Math.

We gather your financial information—accounts, tax returns, benefits, insurance, estate documents—and build a comprehensive picture of where you stand today.

Step 3: Your Plan.

 We present a personalized financial plan: a balance sheet, a savings checklist, an investment review, a tax analysis, an employer benefit evaluation, and a roadmap to financial independence. You’ll see exactly where you are, where you’re going, and what needs to change.

Step 4: Implementation & Ongoing Partnership.

We implement the recommendations, manage your investments, and meet with you regularly. As your income grows, your family evolves, and opportunities arise, we adjust the plan to keep you on track.