Specialized expertise, strategies and resources for complex wealth — so every part of your financial picture and every advisor who guides it can work as one.
Most financial lives are scattered — a tax strategy in one place, investments in another, insurance and estate documents that haven't spoken to each other in years, and a roster of advisors who’ve never been in the same room. Beneath that can be a harder problem: exposures that haven’t surfaced, opportunities that haven’t been explored, and decisions being considered without the benefit of the whole picture.
Advanced tax strategy, estate and legacy design, business succession and exit, complex insurance design — the specialized strategies and resources most plans never have at the table.
The CORE Process
We lead the planning when that’s what a situation needs, or join an existing team as the specialist. Either way, your CPA, your attorney, your investment advisor and us build from the same plan.
How we work
A disciplined four-step process that gets to the core of your financial picture — and surfaces both the costly details hiding in the fine print and the opportunities that haven’t been explored.
We gather the facts and ask the right questions — a clear picture of what's beneath the surface.
Structure, economics, risks, assumptions and performance put under analysis — using analytical tools and benchmarks to uncover gaps and exposures.
Clear findings and specialized strategies — with scenarios, so you see the impact of every choice.
We walk you through it and coordinate with your other advisors so every decision aligns.
For significant or complex wealth, where the major decisions can no longer be made in isolation from one another.
For youWe bring specialized planning expertise, strategies and resources alongside the work you already do.
For partnersI have worked with Josh on quite a few estate planning cases for my clients and to be honest he is more versed in estate, business transition, and gift planning strategies than many estate planning attorneys I have worked with. Yes, Josh sells insurance and in many cases, an insurance policy becomes a tool that his clients can use in their overall estate plan, but he does so much more than that for his clients, and the value is really in the overall strategy that he helps provide versus the actual insurance policy.Carli Ortiz, CPA, AEP®, PFS, CGMA · Partner, Linkenheimer CPAs and Advisors
Josh and Rick truly care about their clients. Their frequent interactions and attention to detail are invaluable in plans of all sizes, but they have particular expertise working with high-net-worth individuals. They have unparalleled expertise in sophisticated insurance planning, as well as discussing a client’s overall wealth planning picture. They stay current with changes to products and with possible changes to tax laws. You can trust Josh and Rick to provide your clients with comprehensive, understandable advice.Ron Wargo · Estate planning attorney and partner, Friedemann Goldberg Wargo Hess LLP
I am a trust and estates attorney in the greater Bay Area and I have worked with Josh and Rick for many years. They are experts in the area of providing strategic options and insurance planning for folks with large estates. They are not only specialists in utilizing life insurance as an effective estate planning tool but they are well versed in long-term care insurance and planning in order to ensure that their clients and their loved ones are well taken care of. Navigating the tax and estate arena can be very complex and these two know their craft. They are not only extremely knowledgeable and professional, but they are caring and kind to all of their clients. I would recommend them to anyone looking to plan for their estate, seeking additional insurance and long-term care planning.Erika Copenhaver, Esq. · Galan & Copenhaver, Inc., A Professional Law Corporation
As the Senior VP at Financial Independence Group, one of the largest independent long-term care groups in the US, I get to work with thousands of long-term care insurance agents. I think Josh is one of the top advisors I work with. Josh is able to address all the specifics and details around long-term care insurance products, but it is the planning that makes him one of the best. He always works from a holistic planning approach. Sure, he sells long-term care insurance, but you can see he is more about helping people find good emotional and financial answers to a scary problem.Alecia Barnette · Senior VP, Financial Independence Group
Josh founded Unified Advice on a single principle: the client is the center of the plan, not a recipient of it. A Wealth Strategist with four advanced planning designations, he brings specialized expertise, strategies and resources to complex situations — and makes certain each one works inside the whole financial picture.
A short, private conversation to understand the whole picture — and whether our expertise can help.
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