Financial planning for widows. Protecting what you've built and what comes next.

Of course. Most of the women who reach out are not sure either. The first call is twenty minutes, with no obligation to do anything after. The pace is yours.

It moves at your pace. Nothing happens without your say-so. Here is how it unfolds.

Step 1. A twenty-minute conversation. You tell me what is on your mind. I listen. If I can help, I will say how. If I am not the right person, I will say that too and point you toward someone who is.

Step 2. A discovery meeting. One hour. Bring whatever you have, even a grocery bag of unopened envelopes. You talk. I listen.

Step 3. An engagement proposal. I come back with what I heard, the next best steps, and a roadmap with deliverables, timeline, and fees. You decide if it feels right.

Step 4. Getting organized. Retitling accounts. Updating beneficiaries. Filing claims. Stabilizing the cash flow so you can see exactly what arrives each month.

Step 5. Your financial plan. One page. Built at your pace. The actual answer to the question you are asking, which is am I going to be okay.

Step 6. Ongoing coordination. I keep your professional team in sync so you are never the middle person again. Important decisions do not keep business hours, and neither do I.

Not necessarily. With big life events, sometimes the wisest thing is to get a second opinion. The same way you would with a major medical issue. I am always happy to take a look at what is already in place, confirm what makes sense, and flag what is worth a closer look. If your current advisor is the right fit, you keep him and we leave it there. If something is off, you will know what to do next.

No. Most women come to the first conversation with either a pile of paperwork or a load of questions and no idea where to start. That is what the call is for. You do not need to prepare. Just show up.

Fees depend on the complexity of your situation and the scope of work. I will always be clear about cost before you commit to anything, and we cover this directly in the engagement proposal during Step 3. If cost is on your mind, bring it up in our first conversation. I would rather address it than have it sit in the background.

No, and that is on purpose. I work closely with your CPA on tax strategy and with your estate attorney on planning decisions, and I do not prepare returns or draft legal documents myself. What I do is keep those professionals working from the same information so nothing falls between them. You get specialized expertise in each area, with one person making sure it all connects.

Your investment accounts are held at Charles Schwab or Fidelity, names you already know. The portfolio management behind them is handled through Titleist Asset Management (TAM), an SEC-registered investment adviser, with securities through Titleist Capital (TC), a Member of FINRA/SIPC. Your money is never held by me personally. It sits at established, regulated custodians, and you can view your accounts online at any time.

You work directly with me. That is the whole point of keeping this practice small. Behind the scenes, an administrative team of about five people handles the operational side, and an investment team of about five supports portfolio management. You will not be handed off. I coordinate everything on my end so what you experience is one person who knows your situation and is available when you need them.

Christian is your primary relationship. He is the person you call, the person who knows your full picture, and the person accountable to you. Behind that, your accounts are managed through Titleist Asset Management (TAM), an SEC-registered investment adviser, with securities held through Titleist Capital (TC), a Member of FINRA/SIPC. You get one financial planner you actually know, and a professional team standing behind him.

I am based in the San Francisco Bay Area and work with clients throughout California. If you are somewhere else, reach out anyway and I will tell you honestly whether I can help or whether I know someone who can. Being local lets me show up in person when it matters.

Most of the women I work with are widows with one million dollars or more in investable assets, often with an estate that involves multiple professionals and family members. If that sounds like your situation, reach out. If it does not, reach out anyway. I will tell you straight, and if I am not the right place for you, I will point you somewhere that is.

Having people you already trust is the best place to start. My job is to sit at the center of those relationships, not replace them. You keep the people you trust. They just start working together the way they probably should have been all along.

You will not be. Part of how I work is slowing down and explaining things clearly, at whatever pace feels right. Women who came in feeling like they were in the dark have told me it was the first time they actually understood their own financial picture. That is the point.