David De Koekkoek, CFP, EA

The firm serves primarily individual clients and also works with trustees, estates, trusts, charitable organizations, and business clients, offering financial planning, retirement-transition planning, and investment advice. In addition to investment and retirement services, the adviser provides tax preparation and planning and offers bookkeeping and payroll services to business clients as part of its fee‑for‑service tax practice.

The firm’s investment work emphasizes long‑term planning and fundamental security analysis, with recommended vehicles that include mutual funds, ETFs, individual stocks, bonds, CDs and U.S. Treasuries as appropriate for client goals. Advice is provided on a non‑discretionary basis — clients review and authorize transactions — and custody is maintained with third‑party custodians (the bulk of client assets are held at a major institutional custodian).

Compared with many peers, the firm combines a substantive tax and accounting practice (the adviser is an enrolled agent and spends a large portion of time on tax services) with investment advisory work, and routinely serves charitable and corporate/business clients. The firm generally operates on hourly and fixed maintenance fees rather than relying on percentage‑of‑AUM billing, does not take custody of client assets, and does not earn commissions on recommended custodial platforms.