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We're a team of passionate thinkers and doers, dedicated to building with purpose and clarity. Collaboration and curiosity drive everything we do.

Financial decisions rarely happen in isolation. Investment choices affect taxes. Retirement timing affects risk. Estate decisions influence how portfolios are structured. Many clients come to us after realizing that fragmented advice — investment management in one place, tax guidance in another, planning somewhere else — makes confident decision-making difficult.

Our role is to provide an integrated perspective. Rather than focusing solely on portfolio performance, we help clients evaluate tradeoffs, reduce complexity, and make decisions that remain sound across changing market conditions and life circumstances.

For this reason, our relationship is centered on advice and planning first, with investments serving as one part of a broader strategy.

Many clients come to us during periods of transition — especially as work becomes optional or retirement approaches.

At this stage, financial decisions often feel different than they did earlier in life. Portfolio movements may represent amounts larger than a former annual salary. Questions shift from accumulation to sustainability: how much risk is appropriate, how spending decisions affect long-term security, and how to balance enjoying today with protecting the future.

Our role is not simply to manage investments, but to help clients make thoughtful decisions during these moments of change. The focus moves from maximizing returns to building a plan designed to support confidence, flexibility, and peace of mind over decades.

Many clients have successfully managed their finances for years before seeking advice, and are looking for a collaborative partner rather than direction alone.

Successful client relationships tend to be collaborative and long-term in nature. Clients who work best with us value thoughtful decision-making over frequent changes driven by market headlines, and view financial planning as an ongoing process rather than a series of short-term investment decisions. Our role is to provide guidance and perspective, helping clients make disciplined choices aligned with their goals and values.

Planalto Financial works with clients from a wide range of backgrounds, but we have particular experience supporting Brazilian-Americans and families with financial lives connected to both the United States and Brazil.

Our connection to Brazil is personal — my wife is originally from Brazil, and we currently live in Brasília — but our focus is professional. Cross-border families often face unique planning considerations, including managing assets in multiple countries, coordinating international transfers, preparing for a potential relocation, or supporting family members abroad. These situations benefit from integrated planning that considers taxes, investments, and long-term goals together rather than in isolation.

Many clients come to us during periods of transition, such as career changes, relocation decisions, or approaching retirement, when financial choices become more complex and the consequences more meaningful.

Successful client relationships tend to be collaborative and long-term in nature. Clients who work best with us value thoughtful decision-making over frequent changes driven by market headlines and view financial planning as an ongoing process rather than a series of short-term investment decisions. Our role is to provide guidance and perspective, helping clients make disciplined choices aligned with their goals and values.

Investment Planning

Advanced Planning plus building and monitoring a complete portfolio. $10,000 per year up to $5 million, $20,000 per year up to $10 million, over $10 million is custom.

Basic Planning

This is for you if you are a do-it-yourself investor with one or two accounts types, looking for retirement timing and cash flow planning, Social Security and Medicare guidance, basic estate planning, and long-term care planning. Monthly monitoring for spending adjustments, either down or up! $2,400 per year.

Advanced Planning

Basic Planning plus more complex planning needs. This is for you if you have multiple accounts types, advanced tax planning strategies, deeper estate planning needs such as blended families or special needs planning, and permanent life insurance evaluation. $5,000 per year.

Hourly

This is for you if you have a single topic to discuss, such as employee benefits, home purchase, saving for retirement in 10+ years, and any others. $150 per hour.