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
The power of a Vilga plan is in how we bring these elements together. We consider these categories and weigh them alongside goals and risk, to build a durable plan that serves your lifestyle.
One Plan = Seven Pillars
Year-by-year projection of income, spending, savings, and large one-time events.
This is the backbone of every decision, including whether you can retire, donate, fund education, or take risk.
Forward-looking view of your federal and state tax projections. Used to time Roth conversions, capital gains, charitable gifts, and withdrawals.
We review your life, disability, umbrella, long-term care, and other insurance policies to identify any gaps.
As fee-only advisors, we don't sell insurance or any products, so you'll get our unbiased opinion with broad understanding of your entire financial life.
We work alongside your estate attorney to make sure documents, beneficiary designations, and titling actually match what you intend.
We help you make sense of your equity compensation, so you can make the most of it.
Our process weaves your equity incentives into the bigger picture, considering risk, tax efficiency, and your overall portfolio to take full advantage of your employer benefits.
Retirement income often comes from many sources, at different times.
By considering Social Security, Roth conversion ladders, portfolio distributions, and Medicare, we can craft a reliable, tax-efficient plan for your retirement income.
Education planning can be an important opportunity within your bigger portfolio.
By considering different account types, when to fund, and gifting/retirement priorities, we develop a tax-efficient strategy tailored to your situation.
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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