Independent Wealth Management · Women-Led
Freedom isn’t a feeling. It’s an allocation.
Freedom to work, to give, to travel, to do nothing at all — every one of them has a number. We know how to find yours.
A woman doesn’t chase freedom. She chases security — and freedom is what happens when she finds it.
Every plan we build starts there. Not with your risk tolerance, but with your ground securely in place to support your desires.
“Wait… someone’s going to give me freedom? Okay. Can’t wait to see that.”
Fair. Freedom isn’t something we hand you. It’s something we build a structure around, so it can hold. What we do is math: three years of your life, in cash, that no market crash can touch. Then six. Then ten. Freedom stops being a word and starts being found in numbers you can rely on.
Cokie CoxFounder
The Starting Point
You’ve been in this meeting before.
You sit down. He pulls up your statements. He asks about your goals, and you say the things you’re supposed to say — retire at 60, kids’ college, maybe a lake house — and he types them into software that tells you you’re on track. And you leave with a plan for a life that may or may not be the full picture (or even yours, fully).
Here’s the industry’s dirty secret: the performance question is the easy one. Anyone can match an index. What nobody’s built a spreadsheet for is the real question.
How It Works
There’s an order to this.
Most firms hand you a menu of services. We walk you through a sequence, because each step only works if the one before it happened.
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01 Perfect Day Process
First, we find out what you actually want.
What you leave with: goals you didn’t know you had. The real ones.
Explore step 1 -
02 The 3-6-10
Then we build the structure that protects it.
When the market drops — and it will — you won’t be selling your lifestyle to survive it.
Explore step 2 -
03 Tax Management
Then we make sure you keep it.
The question we answer for you: what was your net, after-tax return?
Explore step 3
Case In Point
The market tanked her first quarter of retirement. Here’s what she did about it: nothing.
She’d been our client for thirty years, and risk-averse for every one of them. Six years out from retirement, she was locked down. “Thirty percent in stocks. I don’t want to lose any money.” We understood. That fear isn’t irrational, it’s what happens when your entire plan is one bucket, and every market headline is aimed at all of it.
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Six months before her retirement, she said yes to the 3-6-10.
It took her to 66% in stocks. More than double her equity, six months before her last paycheck. On paper, that sounds reckless. In structure, it was the opposite: three years of her life sat in cash no crash could touch, the next three sat steady, and the rest was money she wouldn’t need for a decade. The near years were locked down. The far years were free to grow.
She retired in January. The market fell apart in Q1. And nothing in her life changed. Not her travel. Not her plans. Not her sleep. The crash hit money she wasn’t going to touch for ten years. And money that has a decade to recover isn’t in crisis. It’s just early.
“The 3-6-10 isn’t only smart. It’s calming.”
Her words, not ours
Two years in, her ten-year bucket has grown past anything she expected and she’s spending like a woman who knows exactly what she can afford, which turns out to be the rarest luxury in retirement.
More freedom to travel. More freedom to spend. More freedom to give it away.
Women In Wealth
Are you a female advisor? There’s a room for you.
Women In Wealth is our free forum for women in this industry: hundreds of advisors sharing the deal structures, the custodian intel and the real map to owning your own practice. Trillions are moving into women’s hands, and there aren’t nearly enough of us on the other side of the table. We’re staffing the wave.
Don’t book a call. Don’t sit through a pitch. Just send us one brokerage statement.
Within 48 hours, we’ll show you what you’re actually paying — every fee, named and totaled — and what those numbers are quietly costing you over the life of your money. Most women who see it have the same reaction: nobody ever showed me this before.
Because here’s the thing about fees: you’re paying them either way. The only question is where and what you’re getting for them. A firm that earns its fee shows you the whole picture, including the parts that don’t flatter the industry. Consider this the first proof.
No obligation. Just the truth about your money, in writing.
Already know you’re ready for the deeper work? Start with Perfect Day
Show me what I’m paying