Holistic Financial Planning
Here’s the thing about holistic financial planning:
Many financial advisors slap the phrase on their website and then just manage your investments. Cool. Very helpful.
We actually mean it. Holistic financial planning means everything works together. Your investments talk to your tax strategy, your tax strategy informs your estate plan, your estate plan protects who you actually love, and all of it aligns with the life you're trying to build.
What It's Not: Generic advice that assumes you're married with 2.5 kids, a picket fence, and a linear career path. That might be you, and it might not be. We plan for your actual life, from chosen families to career pivots, supporting aging parents, building something that matters, or funding your most audacious dreams.
Why It Matters: Life doesn't follow a script. Maybe there’s a career transition that changes everything. A relationship shift. A parent's diagnosis. A dream you're finally ready to chase. These aren't the tidy milestones traditional financial planning prepares for, but they're the ones where you need a plan.
Comprehensive financial planning means having strategy and support for the real, messy, beautiful transitions that define you.
Our Services
Cash Flow and Debt Management
Good cash flow management means you understand your financial rhythm, make intentional spending decisions, and use debt strategically instead of letting it control you.
We don’t do restrictive budgets. Instead, we run scenarios, show trade-offs, and help you make decisions that work for your whole financial picture.
Investment Advice
Portfolio strategy aligned with your values, goals, and how you want to live. We build diversified portfolios, rebalance, harvest tax losses, and manage risk.
We offer values-aligned portfolios, including our Pride Portfolio*, as well as traditional strategies. Always long-term. Always tax-aware.
Tax Planning & Preparation
Year-round tax strategy designed to minimize what you owe. We build tax considerations into every financial decision before you make it.
We coordinate with your CPA so everything works together. Especially important in California and for clients with equity compensation.
Estate & Charitable Planning
Protect who you love and support what matters. We help create structures that reflect your real relationships, not just legal defaults.
Strategic giving through donor-advised funds, appreciated stock, and legacy planning is part of the plan.
Retirement Planning
Build a plan for your version of freedom. Whether that’s retiring early, working less, or never fully stopping.
We model scenarios, optimize Social Security, plan healthcare, and guide withdrawal strategies so you can make informed decisions.
Protection Planning
Insurance without the sales pitch. We analyze what you actually need and help ensure you’re properly protected.
No commissions. No product pushing. Just thoughtful coordination with your financial plan.
Equity Compensation Strategy
RSUs, stock options, ISOs, NSOs, ESPP—we help you navigate all of it.
We model tax impact, help you time decisions, coordinate with your employer, and build diversification strategies that avoid unnecessary tax hits.
Holistic planning means everything connects. Nothing happens in isolation. And you finally get clear answers to the questions keeping you up at night.
Let’s build your plan
Real life isn’t linear. Your financial plan shouldn’t be either.
*For select clients, Brio has partnered with Ethic to offer Brio’s Pride strategy to achieve ESG goals. More information is available upon request. Brio does not provide legal or tax advice. Advisory services are only offered where properly licensed.