A fiduciary who reads the whole room, not just the statement.

Cindy has spent over a decade inside TD Wealth guiding Washington families, technology employees, and small-business owners through the moments that actually define a financial life — an equity vesting cliff, a parent's diagnosis, a sale of the company, a second home in the Cascades.

Her practice is intentionally small. Each client receives a written strategy refreshed quarterly, a direct line between meetings, and a planning fee that is agreed upon before any work begins — never a surprise, never a commission in disguise.

12+ Years advising WA households

$240M Client assets under advice

40 Families served by referral

Comprehensive Financial Plan

A written, multi-year plan covering cash flow, goals, insurance gaps, and retirement modeling — delivered in two working sessions.

$3,500flat fee

Investment Management

Discretionary portfolio management across TD Wealth platforms, including rebalancing, tax-loss harvesting, and quarterly reporting.

0.95%per year, tiered

Retirement Income Strategy

A drawdown blueprint for the first five retirement years — Social Security timing, Roth conversions, and sequence-of-returns protection.

$2,800flat fee

Estate & Legacy Planning

Coordination with your attorney on trusts, beneficiary audits, gifting strategy, and Washington State estate tax exposure.

$4,200flat fee

Concentrated Equity & RSU Planning

For tech employees and founders — vesting calendars, 10b5-1 coordination, single-stock risk budgets, and charitable bunching.

$3,000flat fee

Ongoing Wealth Advisory

A retainer relationship combining planning, investment oversight, and access to TD specialists — reviewed quarterly, billed monthly.

$500per month, from

Four moves. No theatre.

Cindy's planning rhythm is deliberately unhurried. Most clients meet twice to define the work, then settle into a quarterly cadence that respects how busy life in the Puget Sound region actually gets.

01Discovery — a 60-minute conversation about your money history, family, and the next decade. No pitch, no products.

02Diagnosis — Cindy reviews statements, tax returns, and benefit documents, then returns with a written findings letter.

03Design — a strategy is drafted, stress-tested against market and personal scenarios, and refined together.

04Stewardship — quarterly reviews, a direct line between meetings, and an annual refresh tied to your tax filing.

Tell Cindy what you are trying to protect.

Discovery meetings are offered at no cost and without obligation. Most clients come by referral; if you found this page directly, you are equally welcome. Cindy responds personally within two business days.

Practice TD Wealth — Washington State

Serving Seattle · Bellevue · Kirkland · Tacoma

Hours Monday – Friday, by appointment

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Wealth, written like a private letter.

A fiduciary who reads the whole room, not just the statement.

Six engagements, priced in the open.

Four moves. No theatre.

Tell Cindy what you are trying to protect.

Request a discovery meeting