Most households already have pieces of a plan — a 401(k), a trust, an insurance policy, a spreadsheet from a CPA
Our job is to see all of it at once, notice what's missing or misaligned, and coordinate the pieces toward a single set of goals.
A Vilga Plan
These aren't seven separate services stapled together. Every piece informs every other piece. That's where most of the real value gets created — or lost.
One Plan = Seven Pillars
Year-by-year projection of income, spending, savings, and large one-time events. The backbone of every other decision — whether you can retire, give, fund tuition, or take risk.
Multi-year forward view of your federal and state tax picture. Used to time Roth conversions, capital gains, charitable gifts, and withdrawals so the tax bill never drives the plan — the plan drives the tax bill.
Life, disability, umbrella, long-term care. Right-sized, not over-sold. As fee-only advisors we don't sell insurance — which is exactly why our review is useful.
Working alongside your estate attorney to make sure documents, beneficiary designations, and titling actually match what you intend. Surprising how often they don't.
RSUs, ISOs, NSOs, ESPP, 83(b), NUA, deferred compensation. Concentrated stock risk, exercise timing, and AMT avoidance. A specialty — not an afterthought.
Where will each dollar come from, in what order, and when? Social Security timing, Roth conversion ladders, withdrawal sequencing, and Medicare planning — mapped out, not improvised.
529 strategy, funding pace, and integration with the rest of the plan. Enough to get the job done, not so much that it crowds out retirement or creates unnecessary gift-tax exposure.
Dive Deeper:
Tax
Planning
Tax is woven into the plan, not added at year-end.
Multi-year forward projection, coordinated with your CPA, aimed at minimizing lifetime tax — not just this year's.
Retirement
Income Design
We turn what you've saved into reliable income.
Always a tax-efficient approach, without outliving it.
Yes — but scaled to your engagement. We need a baseline plan and a general strategy up front to set your allocation honestly; without one, portfolio decisions are guesses.
Deeper scenario analysis and specialized planning work (equity comp, estate coordination, retirement-income design) can build out over time as the relationship matures.
Typically 6–10 weeks from signed engagement to a completed baseline plan, depending on document availability and complexity. We front-load the work deliberately — the earlier the plan is in place, the sooner every subsequent decision starts flowing through it.
Four pieces of work run in parallel across the first six to ten weeks: a document inventory, cash-flow and tax projection, baseline allocation, and sequenced priorities.
Three cadences, running in parallel:
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Real time. Whenever life changes — job move, equity event, inheritance, liquidity event — we act then, not at the next review.
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Quarterly. Rebalancing and tax-aware portfolio adjustments tied to your plan.
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Annually. A full plan refresh — updated projections, revisited goals, revisited allocation. We also review that year’s tax return and feed what we learn into next year’s planning.
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Schedule a first conversation.
A 30-minute call to see whether Vilga is the right fit — no cost, no pressure.
