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1<!DOCTYPE html>
2<html lang="en" class="no-js">
3<head>
4<meta charset="utf-8">
5<meta http-equiv="X-UA-Compatible" content="IE=edge">
6
7<link rel="shortcut icon" href="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/favicon/HJLfQnSDu-favicon.ico" type="image/x-icon">
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10<meta http-equiv="cleartype" content="on">
11<meta name="robots" content="noodp">
12
13<!-- Title & Description -->
14<title>Birch Street Financial Advisors</title>
15<meta name="description"
16content="Align money with meaning we use a tax optimized planning focus to help you achieve your life goals - we help you live the life you’d relive.">
17<!-- Open Graph -->
18<meta property="og:site_name" content="Birch Street Financial Advisors">
19<meta property="og:title" content="Birch Street Financial Advisors">
20<meta property="og:description" content="">
21<meta property="og:url" content="https://birchstreetadvisors.com/">
22<meta property="og:type" content="website">
23
24<meta itemprop="name" content="Birch Street Financial Advisors">
25<meta itemprop="description" content="Align money with meaning we use a tax optimized planning focus to help you achieve your life goals - we help you live the life you’d relive.">
26<meta itemprop="url" content="https://birchstreetadvisors.com/">
27<!-- Twitter Card -->
28<meta name="twitter:card" content="summary_large_image">
29<meta name="twitter:title" content="Birch Street Financial Advisors">
30<meta name="twitter:description" content="">
31
32
33<!-- Mobile App Settings -->
34
35<link rel="apple-touch-icon" href="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/favicon/HJLfQnSDu.png">
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38<meta name="apple-mobile-web-app-status-bar-style" content="black">
39<meta name="apple-mobile-web-app-title" content="Birch Street Financial Advisors">
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53
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241/*links*/
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300/*rule*/
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399/*callouts*/
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401.callout {
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406.callout h1,
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436.callout.flush-bottom {
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445
446.row.breakout {
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450    right: 50%;
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452    margin-right: -50vw;
453    padding: 0 2em;
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455
456/*team*/
457
458.members-list {
459  padding-top: 0;
460}
461
462#section-about-me .main-content-wrapper {
463  padding-bottom: 2em;
464}
465
466.member-item .open-overlay {
467    display: inline-block;
468}
469
470/*table */
471
472table {
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474}
475
476/*media query*/
477
478@media only screen and (max-width: 819px) {
479    .bottom {
480        margin-bottom: 3em;
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482  }
483
484/*editable*/
485
486/* accordion dashboard styles */
487
488.editable .toggle-accordion {
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514
515/* modal dashboard styles */
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517.editable .open-overlay,
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554
555.editable .overlay-content-wrapper {
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557}
558
559.close-overlay {
560  position: sticky;
561  margin: 0;
562  top: 20px;
563  left: calc(100% - 60px);
564  padding: 1rem;
565  background: none;
566}
567
568@media (min-width: 980px) {
569    .overlay-content .overlay-content-wrapper {
570        width: 80%;
571        max-width: 1920px;
572    }
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574
575.anchor {
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578}
579
580.editable .slick-slider > div {
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584  padding:1rem;
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598    font-weight: 600;
599    padding: .5em 1em;
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604
605.slick-prev:before, .slick-next:before {
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608</style>
609
610<!-- required -->
611<link rel="stylesheet" type="text/css" href="//cdn.jsdelivr.net/npm/[email protected]/slick/slick.css"/>
612<!-- base theme styles, not required -->
613<link rel="stylesheet" type="text/css" href="//cdn.jsdelivr.net/npm/[email protected]/slick/slick-theme.css"/>
614<meta name="keywords" content="Retirement income planning advisor, Financial advice for retirees, Financial advice for widows, Retiree financial advisor, Independent retirement financial advisor, Certified financial planner, Retirement plan, Registered investment advisory">
615
616</head>
617
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704</symbol>
705<symbol id="icon-blog" viewBox="0 0 24 24">
706<title>blog</title>
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709</symbol>
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711<title>external</title>
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718</symbol>
719<symbol id="icon-brokercheck" viewBox="0 0 100 100">
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721<path
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723<path
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725<path
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727<path
728d="M70.211,80.4l-3.455-6.5a3.1,3.1,0,1,0-5.47,2.909l3.455,6.5A3.1,3.1,0,0,0,70.211,80.4Zm-1.012,1.8a0.948,0.948,0,0,1-1.278-.391l-1.21-2.276a0.945,0.945,0,1,1,1.669-.887l1.21,2.276A0.948,0.948,0,0,1,69.2,82.209Z" />
729</symbol>
730<symbol id="icon-brokercheck-color" viewBox="0 0 100 100">
731<title>brokercheck</title>
732<path
733d="M67.057,60.029a2.968,2.968,0,0,0-4.2-.119,19.351,19.351,0,1,1,.8-27.341A2.968,2.968,0,1,0,67.976,28.5a25.288,25.288,0,1,0-1.038,35.728A2.968,2.968,0,0,0,67.057,60.029Z"
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735<path
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946</p>
947
948<p id="isPasted">At Birch Street Financial Advisors, we specialize in optimizing innovative tax strategies to prepare you for a stress-free retirement. With a personalized retirement plan, we will align your values with your human and financial resources, along with the autonomy to control how you spend your time.</p> -->
949</div>
950</div>
951
952
953</div>
954
955
956
957
958</section>
959
960<section id="section-who-we-serve" class="section page-section">
961
962
963
964
965
966<div class="main-content-wrapper">
967
968
969<div class="container">
970<div class="main-content" data-location="content" data-id="6ac3e5e4261139db08cb6980" data-type="page">
971<h2 style="text-align: center;">Who We Serve</h2>
972
973<p style="text-align: left;">
974<br>Have you had your head down, saving diligently for the future but not really knowing exactly what it looks like or what you were saving for? Do you want to be more intentional about accumulating for and living your best life before and into retirement?</p>
975
976<p class="is-m0" style="text-align: left;">
977
978<br>
979</p>
980<div class="stripe">
981<br>
982</div>
983<div class="row">
984<div class="col-xs-12 col-sm-6 bottom">
985<div class="tint-box">
986
987
988<p class="hero">If you’re in your late 40’s to early 50’s, let’s establish your plan to get to the next chapter.</p>
989
990<p>Some questions you may have:</p>
991
992<ul class="checklist">
993<li>Can I leave the salaried job and start my own venture?</li>
994<li>What are my retirement options?</li>
995<li>When can we enjoy experiences on our bucket list?</li>
996<li>How do we fund college education costs?</li>
997<li>Do we have our risks managed?</li>
998<li>Is our estate plan protecting our children and beneficiaries?</li>
999</ul>
1000<!-- 			<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 80%;" class="card-leaf-lg"> -->
1001
1002</div></div>
1003<div class="col-xs-12 col-sm-6">
1004<div class="tint-box">
1005
1006<p class="hero">
1006You’re in your late 50’s to 60’s.</p>
1007
1008<p>We can help answer the following:</p>
1009
1010<ul class="checklist">
1011
1012<li>How do we fund retirement activities?</li>
1013<li>How do we create a family gathering space with a second home?</li>
1014<li>When should I start taking Social Security?</li>
1015<li>How do I effectively fund a long-term care event?</li>
1016<li>How do I help an aging parent?</li>
1017<li>Can I help my adult children?</li>
1018<li>What kind of legacy can I leave?</li>
1019</ul>
1020<!-- 			<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 80%;" class="card-leaf-lg-2"> -->
1021</div></div></div>
1022
1023<p class="is-h1" style="text-align: center;">
1024<br>
1025</p>
1026
1027<h2 style="text-align: center;">
1028<br>
1029</h2>
1030
1031<h2 style="text-align: center;">Case Studies</h2>
1032
1033<p class="is-m0">
1034<br>
1035</p>
1036<div class="row">
1037<div class="col-xs-12 col-sm-4 bottom">
1038<div class="case-study-card">
1039<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/egFZTLmWrIk/AdobeStock_360186007-min.jpeg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 100%;" alt="">
1040<div class="case-study-number">
1041
1042<h4 class="is-m0" style="text-align: center;">Case Study 1</h4>
1043</div>
1044<div class="add-padding">
1045
1046
1047<h3 style="text-align: center;">Big Picture Planning</h3>
1048
1049<h2 class="is-mb0" style="text-align: center;">Angela &amp; Dan
1050
1051</h2>
1052
1053<p class="is-m0 is-h4">
1054
1055<br>
1056</p>
1057
1058<h4 style="text-align: center;">Ages: 48 &amp; 50</h4>
1059
1060<p class="is-m0">
1061
1062<br>
1063</p>
1064
1065<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 183px;" class="card-leaf" alt="">
1066
1067
1068<p class="is-mb0" style="text-align: center;"><a class="open-overlay btn btn-block secondary" data-target="gearing-up" href="#">Read More</a>
1069</p>
1070</div></div></div>
1071<div class="col-xs-12 col-sm-4 bottom">
1072
1073<div class="case-study-card">
1074<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/bOb1WjkSogx/happy-senior-couple-spending-time-beach-concepts-about-love-seniority-people-1-min.jpg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 100%;" alt="">
1075<div class="case-study-number">
1076
1077<h4 class="is-m0" style="text-align: center;">Case Study 2</h4>
1078</div>
1079<div class="add-padding">
1080
1081
1082<h3 style="text-align: center;">Approaching Retirement
1083
1084</h3>
1085
1086<h2 class="is-mb0" style="text-align: center;">Monique &amp; Martin
1087
1088</h2>
1089
1090<p class="is-m0 is-h4">
1091
1092<br>
1093</p>
1094
1095<h4 style="text-align: center;">Ages: 56 &amp; 60</h4>
1096
1097<p class="is-m0">
1098
1099<br>
1100</p>
1101
1102<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 183px;" class="card-leaf" alt="">
1103
1104
1105<p><a class="open-overlay btn secondary btn-block" data-target="approaching-retirement" href="#">Read More</a></p>
1106
1107</div>
1108</div></div>
1109<div class="col-xs-12 col-sm-4">
1110
1111<div class="case-study-card">
1112<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/q2FHRfHUSLA/pexels-marcus-aurelius-6787568-min.jpg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 100%;" alt="">
1113<div class="case-study-number">
1114
1115<h4 class="is-m0" style="text-align: center;">Case Study 3</h4>
1116</div>
1117<div class="add-padding">
1118
1119
1120<h3 style="text-align: center;">Retire with Work Optional
1121
1122</h3>
1123
1124<h2 class="is-mb0" style="text-align: center;">Catherine
1125
1126</h2>
1127
1128<p class="is-m0 is-h4">
1129
1130<br>
1131</p>
1132
1133<h4 style="text-align: center;">Age: 65</h4>
1134
1135<p class="is-m0">
1136
1137<br>
1138</p>
1139
1140<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 183px;" class="card-leaf" alt="">
1141
1142
1143<p><a class="open-overlay btn secondary btn-block" data-target="work-optional" href="#">Read More</a></p>
1144
1145</div>
1146</div></div></div>
1147<div class="modal-overlay">
1148<div class="overlay-content" id="gearing-up">
1149<button class="close-overlay">Close</button>
1150<div class="overlay-content-wrapper">
1151
1152<h4 class="accented" style="text-align: center;">Case Study 1</h4>
1153
1154<h4 class="accented" style="text-align: center;">
1155
1156<br>
1157</h4>
1158
1159<div class="row middle-xs">
1160<div class="col-xs-12 col-sm-6 bottom">
1161
1162
1163
1164
1165<h3 style="text-align: left;">Big Picture Planning:</h3>
1166
1167
1168<p class="is-h1 is-mt0" style="text-align: left;">Angela &amp; Dan
1169
1170</p>
1171
1172
1173<h4 style="text-align: left;">Ages: 48 &amp; 50
1174<br>
1175<br>
1176</h4>
1177
1178<h3>Main Goals</h3>
1179
1180<p class="is-mb0">Invest inheritance, fund their kid’s college education, leave a legacy to their kids and retire in their early 60’s.<
1180/p>
1181
1182</div>
1183<div class="col-xs-12 col-sm-6">
1184<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/zzoAPwZ_Zpc/AdobeStock_360186007-min.jpeg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 100%;" alt="">
1185
1186</div></div>
1187
1188
1189
1190
1191<p>Angela and Dan inherited cash from Angela’s mother. Their main focus was to put their idle cash “to work”. As we worked together, it became clear that the most pressing item they needed to address was to care for their two school age children, by providing them a college education and a legacy. They were short on their education funding and had no estate planning documents. They both had hectic schedules and needed to get a handle on their finances and how to align their goals with their money. </p>
1192
1193<p class="hero">Our Strategy for Angela and Dan:</p>
1194
1195<ul class="checklist">
1196<li>They funded tax optimized 529 plans using a portion of the inheritance. By using a front-end approach their money worked for them; by maximizing their investment time horizon for account growth, the less they had to save overall.</li>
1197<li>We made sure they had a guardian for their children, assets protected in a trust and no probate costs for their estate.</li>
1198<li>We determined how much life insurance they would need.</li>
1199<li>Legacy assets for the children and a portion of long-term care expenses will be funded with backdoor Roth IRA contributions and a Roth IRA conversion strategy. The taxes were paid with the inheritance.</li>
1200<li>They invested the remaining assets in a tax-efficient portfolio to continue funding their retirement savings.</li>
1201</ul>
1202
1203<p>We partnered with them to provide the support and guidance they needed to feel confident to move forward on a clear path to their goals!</p>
1204</div>
1205</div>
1206</div>
1207<div class="modal-overlay">
1208<div class="overlay-content" id="approaching-retirement">
1209<button class="close-overlay">Close</button>
1210<div class="overlay-content-wrapper hero">
1211
1212<h4 class="accented" style="text-align: center;">Case Study 2</h4>
1213
1214<h4 class="accented" style="text-align: center;">
1215
1216<br>
1217</h4>
1218
1219<div class="row middle-xs">
1220<div class="col-xs-12 col-sm-6 bottom">
1221
1222
1223
1224
1225<h3 style="text-align: left;">Approaching Retirement:</h3>
1226
1227
1228<p class="is-h1 is-mt0" style="text-align: left;">Monique &amp; Martin
1229
1230</p>
1231
1232
1233<h4 style="text-align: left;">Ages: 56 &amp; 60
1234<br>
1235<br>
1236</h4>
1237
1238<h3>Main Goals</h3>
1239
1240<p class="is-mb0">Tax optimization strategy for exercising stock options, fund purchase of 2nd home, pay down primary mortgage and retirement options.</p>
1241
1242</div>
1243<div class="col-xs-12 col-sm-6">
1244<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/bOb1WjkSogx/happy-senior-couple-spending-time-beach-concepts-about-love-seniority-people-1-min.jpg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 100%;" alt="">
1245
1246</div></div>
1247
1248
1249<p>Monique and Martin are financial do-it-yourselfers. Monique left her consulting job to work for a tech start-up company which shows significant potential for growth and Martin works part-time for the government. Monique was awarded employer stock compensation, Incentive stock options (ISOs) and Non-Qualified stock options (NQSOs), that vest annually. They contribute extensively to their children’s 529 plans to fund undergraduate and graduate degrees as they value higher education. They want to make sure they have enough for retirement at 80% of their current income. They don’t want to give up control over their assets but know they need guidance with asset allocation and navigating the tax consequences of the stock compensation. They also dream of having a vacation home as a family gathering place; space for the family to gather as they grow.</p>
1250
1251<p class="hero">The Plan Outcomes provided Monique and Martin the following:</p>
1252
1253<ul class="checklist">
1254<li>Tax optimization strategy for stock option exercise considering the conversion of ordinary income to long-term capital gain, the Alternative Minimum Tax (AMT) limits and the concentration of employer stock in their portfolio. </li>
1255<li>Funding strategy to purchase the vacation home.</li>
1256<li>Martin increased his pension benefits by going back to work full-time now that their youngest child is in college increasing retirement cash flow.</li>
1257<li>Increase cash flow during retirement by following a mortgage pay down plan.</li>
1258<li>Monitor and assess their asset allocation while they control the
1258ir investments.</li>
1259</ul>
1260
1261<p>We collaborated with Monique and Martin to fit together all of the moving puzzle pieces of their life. They now have a cohesive approach to move forward to achieve their goals.</p>
1262</div>
1263</div>
1264</div>
1265<div class="modal-overlay">
1266<div class="overlay-content" id="work-optional">
1267<button class="close-overlay">Close</button>
1268<div class="overlay-content-wrapper">
1269
1270<h4 class="accented" style="text-align: center;">Case Study 3</h4>
1271
1272<h4 class="accented" style="text-align: center;">
1273
1274<br>
1275</h4>
1276
1277<div class="row middle-xs">
1278<div class="col-xs-12 col-sm-6 bottom">
1279
1280
1281
1282
1283<h3 style="text-align: left;">Retire with Work Optional:</h3>
1284
1285
1286<p class="is-h1 is-mt0" style="text-align: left;">Catherine
1287
1288</p>
1289
1290
1291<h4 style="text-align: left;">Age: 65
1292<br>
1293<br>
1294</h4>
1295
1296<h3>Main Goals</h3>
1297
1298<p class="is-mb0">Maintain a comfortable retirement lifestyle, gift to grandchildren and favorite charities, develop tax optimized stock diversification strategy.</p>
1299
1300</div>
1301<div class="col-xs-12 col-sm-6">
1302<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/kXIMSl5yflq/pexels-marcus-aurelius-6787568-min.jpg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 100%;" alt="">
1303
1304</div></div>
1305
1306
1307<p>Catherine enjoys her work. She is a marketing executive and her current income allows her to live a comfortable lifestyle. She has extensive employer incentive compensation, e.g. restricted stock, with a very low cost basis. Her portfolio is heavily weighted in her employer's stock. She has investment accounts, rollover IRAs from previous employer’s and an ESPP. She wants to scale back in the next few years but she’s not sure she will have adequate income to do that and still maintain her lifestyle. She wants to give money to her grandchildren for education funding and leave a legacy to some charities she’s passionate about. She’s unclear how a long-term care event or medical expenses will impact her savings during retirement.</p>
1308
1309<p class="hero">The Plan Outcomes allowed Catherine to:</p>
1310
1311<ul class="checklist">
1312<li>Have an income stream from Social Security payment optimization, part-time work, required minimum distributions from retirement plans, and sale of restricted stock and ESPP units where she could live comfortably and cover estimated medical expenses.</li>
1313<li>Reduce the capital gain tax impact of selling her employer stock.</li>
1314<li>Consolidate her accounts and align her asset allocation with her risk capacity.</li>
1315<li>Fund a legacy to her favorite charities.</li>
1316<li>Develop a gifting plan to her grandkids through tax-advantaged 529 plan contributions.</li>
1317<li>Provide tax optimized de-cumulation strategies from taxable and retirement accounts.</li>
1318</ul>
1319
1320<p>We helped take the pressure off Catherine to feel as though working was her choice and not a requirement in order to maintain a comfortable retirement lifestyle.</p>
1321
1322</div>
1323</div>
1324</div>
1325</div>
1326</div>
1327
1328
1329</div>
1330
1331
1332
1333
1334</section>
1335
1336<section id="section-meet-our-team" class="section page-section">
1337
1338
1339
1340
1341<div class="divider is-0">
1342
1343
1344<div class="bg" style="background-image:url('https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/CELehbIIvCk/download-1.jpg'); background-position: center center; background-repeat: no-repeat; background-attachment: fixed; background-size: cover;"></div>
1345
1346
1347
1348<div class="overlay">
1349<div class="container">
1350
1351
1352
1353<div class="hero-content" data-location="hero_content" data-id="6ac3e5e4261139db08cb6971" data-type="hero">
1354<div class="row center-xs">
1355<div class="col-xs-12 col-sm-8">
1356
1357
1358
1359<div class="overlay-box">
1360
1361<h1 style="text-align: center;">Why Work With Us?</h1>
1362</div>
1363</div></div>
1364</div>
1365</div>
1366</div>
1367
1368</div>
1369
1370
1371<div class="main-content-wrapper">
1372
1373
1374<div class="container">
1375<div class="main-content" data-location="content" data-id="6ac3e5e4261139db08cb6971" data-type="page">
1376<div class="callout flush-top">
1377<div class="row center-xs breakout"><span class="delete-row"></span>
1378<div class="col-xs-12 col-sm-6 col-md-3 mb1 bottom">
1379
1380<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/49hDBSiofA1/money-3.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
1381
1382<h3 style="text-align: center; font-size: 1.2em;">Make Tax-Informed Decisions</h3>
1383
1384<hr>
1385
1386<p class="is-mb0" style="text-align: left;"><strong>We </strong>look beyond this year's tax return to help you make informed decisions that support your long-term financial goals.</p>
1387</div>
1388<div class="col-xs-12 col-sm-6 col-md-3 mb1 bottom">
1389
1390<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/Gnws8YFn_0n/girl.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
1391
1392<h3 style="text-align: center; font-size: 1.2em;">Build Lasting Income</h3>
1393<hr>
1394
1395<p class="is-mb0" style="text-align: left;"><strong>We </strong>develop retirement income strategies designed to help you spend confidently today while protecting your financial future.</p>
1396</div>
1397
1398<!-- </div>
1399<div class="row"><span class="delete-row"></span> -->
1400<div class="col-xs-12 col-sm-6 col-md-3 mb1 bottom">
1401
1402<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/abquAmddSpW/card-2.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
1403
1404<h3 style="text-align: center; font-size: 1.2em;">Coordinate Every Decision</h3>
1405
1406<hr>
1407
1408<p class="is-mb0" style="text-align: left;"><strong>We </strong>bring the moving pieces of your financial life together into one cohesive plan so every decision supports your long-term goals.</p>
1409</div>
1410<div class="col-xs-12 col-sm-6 col-md-3 mb1">
1411
1412<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/iRkKjkovfRA/shaking-hands-3.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
1413
1414<h3 style="text-align: center; font-size: 1.2em;">Align Money With Meaning</h3>
1415<hr>
1416
1417<p style="text-align: left;"><strong>We </strong>help ensure your financial plan supports the life you want to live—not simply the size of your portfolio.</p>
1418</div>
1419
1420
1421
1422<p class="mt3" style="text-align: center;">As a fee-only fiduciary, our clients pay us for our advice—not through commissions or product providers. Our fees are transparent, and our recommendations are always made in your best interest.</p>
1423
1424</div></div><!-- <div class="stripe" style="    height: 7em;
1425    margin-top: 5em;">
1426	<br>
1427</div>
1428<div class="row"><span class="delete-row"></span>
1429	<div class="col-xs-12 col-sm-6 mt1">
1430		<div class="tint-box">
1431
1432			<h3 class="is-mb0" style="text-align: center;"><strong>Objective Advice</strong></h3>
1433
1434			<p style="text-align: center;">Our advice is paid for directly by our clients—not through commissions or product providers. As a fee-only fiduciary, we're committed to acting in y
1434our best interest.</p>
1435			<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 183px;" class="card-leaf" alt="">
1436		</div></div>
1437	<div class="col-xs-12 col-sm-6 mt1">
1438		<div class="tint-box">
1439
1440			<h3 class="is-mb0" style="text-align: center;"><strong>Transparent Fees</strong></h3>
1441
1442			<p style="text-align: center;">You'll always know how we're compensated and what you're paying for.</p>
1443			<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/8PaUYDcWovZ/leaf-icon.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 183px;" class="card-leaf" alt="">
1444		</div></div>
1445</div> --><br><h2 class="is-mt0" style="text-align: center;"><strong>Featured in</strong></h2><div class="slick-slider">
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1451</div>
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1457<div class="col-xs-12" style="text-align: center;">
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1461</div>
1462</a>
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1465
1466<div class="row center-xs middle-xs"><span class="delete-row"></span>
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1468<a href="https://www.marketwatch.com/story/dont-know-whether-to-file-taxes-early-or-wait-5-questions-to-help-you-sort-it-out-11613080696" rel="noopener noreferrer" target="_blank">
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1470<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/pxs15AFBVxy/download-3.png" style="max-height: 45px; max-width: 180px; width: auto; height: auto;" alt="Market Watch">
1471</div>
1472</a>
1473</div>
1474</div>
1475
1476<div class="row center-xs middle-xs"><span class="delete-row"></span>
1477<div class="col-xs-12" style="text-align: center;">
1478<a href="https://money.com/taxes-college-students-teens-2020/" rel="noopener noreferrer" target="_blank">
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1480<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/7E45v3uRFHA/Money-Logo.png" style="max-height: 45px; max-width: 180px; width: auto; height: auto;" alt="Money">
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1482</a>
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1485
1486<div class="row center-xs middle-xs"><span class="delete-row"></span>
1487<div class="col-xs-12" style="text-align: center;">
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1489<div style="height: 60px; display: flex; align-items: center; justify-content: center;">
1490<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/S__-4FNkm5/inwebcasts.png" style="max-height: 45px; max-width: 180px; width: auto; height: auto;" alt="Inwebcasts">
1491</div>
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1499<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/NrBYojDiIU/Think-Advisor-Logo-Color.png" style="max-height: 45px; max-width: 180px; width: auto; height: auto;" alt="Think Advisor">
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1507<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/0oV_avJViw/Capture.PNG" style="max-height: 45px; max-width: 180px; width: auto; height: auto;" alt="NextAdvisor">
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1516</div>
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1518</div>
1519
1520<div class="row center-xs middle-xs"><span class="delete-row"></span>
1521<div class="col-xs-12" style="text-align: center;">
1522<a href="https://www.investopedia.com/dependent-impact-on-taxes-11678396" rel="noopener noreferrer" target="_blank">
1523<div style="height: 60px; display: flex; align-items: center; justify-content: center;">
1524<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/QFVYrOMIPie/Investopedia_Logosvg.png" style="max-height: 45px; max-width: 180px; width: auto; height: auto;" alt="Investopedia">
1525</div>
1526</a>
1527</div>
1528</div>
1529</div><br><div class="callout tint" style="margin-bottom: -2em;">
1530
1531<h2 style="text-align: center;">Backed by Specialized Expertise</h2>
1532<p style="text-align: center;">With more than 30 years of experience, Joanne is one of the few financial advisors who combines advanced tax expertise with retirement income and gift &amp; estate planning, helping clients evaluate the tax implications of retirement decisions—not just the investment implications.</p>
1533<!-- 	<p style="text-align: center;">Few financial advisors combine advanced tax expertise with retirement income planning and gift &amp; estate planning. Joanne's credentials allow her to help clients evaluate the tax implications of retirement decisions—not just the investment implications.</p> -->
1534<div class="row center-xs breakout" style="display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 10px; padding: 20px 10px; text-align: center;">
1535<span style="background-color: #53798e; color: #ffffff; border: 1px solid #648c9e; padding: 6px 14px; border-radius: 50px; font-size: 13px;">Certified Public Accountant (CPA)</span>
1536<span style="background-color: #53798e; color: #ffffff; border: 1px solid #648c9e; padding: 6px 14px; border-radius: 50px; font-size: 13px;">Master's in Taxation (MSAT)</span>
1537<span style="background-color: #53798e; color: #ffffff; border: 1px solid #648c9e; padding: 6px 14px; border-radius: 50px; font-size: 13px;">CERTIFIED FINANCIAL PLANNER™ (CFP®)</span>
1538<span style="background-color: #53798e; color: #ffffff; border: 1px solid #648c9e; padding: 6px 14px; border-radius: 50px; font-size: 13px;">Retirement Income Certified Professional (RICP®)</span>
1539<span style="background-color: #53798e; color: #ffffff; border: 1px solid #648c9e; padding: 6px 14px; border-radius: 50px; font-size: 13px;">Personal Financial Specialist (CPA/PFS)</span>
1540</div>
1541<!-- 	<div class="row center-xs breakout" style="display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 10px; padding: 20px 10px; text-align: center;">
1542		<span style="background-color: rgba(83, 121, 142, 0.08); color: #FFFFFF; border: 1px solid rgba(83, 121, 142, 0.2); padding: 6px 14px; border-radius: 50px; font-size: 13px; font-weight: 600;">Certified Public Accountant (CPA)</span>
1543		<span style="background-color: rgba(83, 121, 142, 0.08); color: #FFFFFF; border: 1px solid rgba(83, 121, 142, 0.2); padding: 6px 14px; border-radius: 50px; font-size: 13px; font-weight: 600;">Master's in Taxation (MSAT)</span>
1544		<span style="background-color: rgba(83, 121, 142, 0.08); color: #FFFFFF; border: 1px solid rgba(83, 121, 142, 0.2); padding: 6px 14px; border-radius: 50px; font-size: 13px; font-weight: 600;">CERTIFIED FINANCIAL PLANNER™ (CFP®)</span>
1545		<span style="background-color: rgba(83, 121, 142, 0.08); color: #FFFFFF; border: 1px solid rgba(83, 121, 142, 0.2); padding: 6px 14px; border-radius: 50px; font-size: 13px; font-weight: 600;">Retirement Income Certified Professional (RICP®)</span>
1546		<span style="background-color: rgba(83, 121, 142, 0.08); color: #FFFFFF; border: 1px solid rgba(83, 121, 142, 0.2); padding: 6px 14px; border-radius: 50px; font-size: 13px; font-weight: 600;">Personal Financial Specialist (CPA/PFS)</span>
1547	</div> -->
1548</div><!-- <div class="row center-xs middle-xs">
1549	<div class="col-xs-4 col-sm-3" style=" text-align: center;">
1550		<a href="https://www.wsj.com/articles/as-home-prices-and-mortgage-rates-stay-high-prospective-buyers-put-down-payments-on-ice-11666054972?mod=panda_wsj_author_alert" rel="noopener noreferrer" style=" text-align: center;" target="_blank"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/xoV_LLzEEm/the-wall-street-journal-1.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 210px;" alt="The Wallstreet Journal"></a>
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1553
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1556	</div>
1557	<div class="col-xs-4 col-sm-3" style=" text-align: center;">
1558		<a href="https://www.marketwatch.com/story/dont-know-whether-to-file-taxes-early-or-wait-5-questions-to-help-you-sort-it-out-11613080696" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/pxs15AFBVxy/download-3.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 210px;" alt="Market Watch"></a>
1559	</div>
1560
1561	<div class="col-xs-4 col-sm-3" style=" text-align: center;">
1562		<a href="https://money.com/taxes-college-students-teens-2020/" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/7E45v3uRFHA/Money-Logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 136px;" alt="Money"></a>
1563	</div>
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1566	</div>
1567	<div class="col-xs-4 col-sm-3" style=" text-align: center;">
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1569	</div>
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1571		<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/0oV_avJViw/Capture.PNG" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 210px;" alt="NextAdvisor">
1572	</div>
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1574		<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/R-6mxlzN3zl/us-news-Capture.PNG" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 210px;" alt="US News">
1575	</div>
1576	<div class="col-xs-4 col-sm-3" style=" text-align: center;">
1577		<a href="https://www.investopedia.com/dependent-impact-on-taxes-11678396" rel="noopener noreferrer" style=" text-align: center;" target="_blank"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/QFVYrOMIPie/Investopedia_Logosvg.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 210px;" alt="The Wallstreet Journal"></a>
1578	</div>
1579
1580</div> --><!-- 
1581<p>
1582
1583	
1584	<br>
1585</p>
1586<hr style="margin-bottom: -2em;">
1587
1588<p>
1589	<br>
1590</p>
1591 -->
1592</div>
1593</div>
1594
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1596</div>
1597
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1600
1601
1602<section class="members-list">
1603<div class="members-wrapper">
1604
1605<div class="member-item has-thumb show-1-up">
1606
1607
1608<figure class="thumbnail">
1609<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/W8lOyzjPIpI-/BSHighRes-11.jpg" alt="Joanne Burke Photo">
1610
1611<div class="overlay"></div>
1612</figure>
1613
1614
1615<div class="member-details">
1616
1617<header class="member-header">
1618<h3>Joanne Burke</h3>
1619
1620<div class="member-title">Founder, Financial Planner</div>
1621
1622
1623</header>
1624
1625
1626<div class="member-content">
1627
1628<div class="overlay-content-wrapper">
1629<p><a href="mailto:[email protected]">[email protected]</a></p>
1630
1631<p>I will work to help you live the life you’d relive. I know firsthand that it isn't easy going alone on the journey to define and work toward financial goals. I graduated from college in debt. I had to finance my undergraduate and master’s degrees. I worked throughout college, took out loans and applied for grants. Once I graduated and started earning real money, I knew I needed to “save for retirement” but had gotten conflicting money messages growing up about saving vs. spending. How was I going to juggle paying off student loan debt, save for retirement and a first home purchase? In addition, from my experience, I knew someday I wanted to give my children the gift of an education. I had to figure out how to pay for college, fund my retirement, fund my kid’s education and possibly help my aging parents on my own. This is what drew me to financial planning.</p>
1632
1633<p><a class="open-overlay btn secondary" data-target="bio" href="#">Learn More</a></p>
1634<div class="modal-overlay">
1635<div class="overlay-content" id="bio">
1636<button class="close-overlay">Close</button>
1637<div class="overlay-content-wrapper">
1638<div class="anchor" id="joanne-burke"></div>
1639
1640<h2>Joanne Burke</h2>
1641
1642<h4>Founder &amp; CCO</h4>
1643
1644<p><a href="mailto:[email protected]">[email protected]</a></p>
1645
1646
1647<p>I started my career in the tax arena and quickly found my passion for financial planning by preparing complex planning engagements for executive tax clients while working at KPMG, a Big 4 accounting firm. I left KPMG to join a start-up tax boutique CPA and the law firm where I delved deeper into comprehensive planning by adding estate planning engagements. After having my second child, I started a sister tax firm focused on tax consulting and compliance for individuals, estates and trusts. The practice grew as my children grew. Throughout my career, I have combined tax and financial planning. Tax-focused financial planning allows me to provide an in-depth assessment and analysis of retirement and estate planning scenarios for pre-retirees and retirees since these decisions are heavily tax-driven. Through Birch Street Financial Advisors, I work with you to define and work toward financial goals, while providing you a holistic approach to providing financial security and live the life you’d relive.</p>
1648
1649
1650<p>I have my CFP<sup>®</sup> CERTIFIED FINANCIAL PLANNER™ and CPA/PFS designations. I am the founder of Joanne Burke CPA PLLC, tax compliance and consulting firm and Birch Street Financial Advisors, an RIA firm. I received my Bachelor’s and Master’s degrees in Accounting with a Specialization in Taxation from the McIntire School of Commerce at the University of Virginia. I am a member of the NoVA Society of Women CPAs, VA Society of CPAs –Northern Chapter, AICPA - Tax and Financial Planning sections, XY Planning Network and NAPFA. I am also affiliated with Garrett Investment Advisors.</p>
1651
1652<p>I am married to Tom and we have two lovely daughters, Emily and Olivia. As a family, we value fitness and are avid Crossfitters. We have a Boston Terrier rescue dog named Macie who tirelessly plays fetch. I’ve served as Treasurer of the National Woman’s Party, a 501(c)(3) integral in passing the 19th Amendment – the woman’s right to vote and as co-chair of the Town of Vienna Conservation and Sustainability Commission for over 12 years. I’m passionate about promoting equal rights and living sustainably. I enjoy traveling with my family to visit friends around the globe, native gardening and mindfulness meditation to relax and unwind.</p>
1653
1654<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/jySbBo_XS3m/190818Vienna-Burke-1952-min.jpg" style="display: block; vertical-align: top; margin: 5px auto; text-align: center; width: 100%;" alt="">
1655
1656<!-- 			<h4 style="text-align: center;">Featured in</h4>
1657			<div class="row center-xs middle-xs">
1658				<div class="col-xs-6 col-sm-4">
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1660				</div>
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1663				</div>
1664			
1665				<div class="col-xs-6 col-sm-4">
1666					<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/7E45v3uRFHA/Money-Logo.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 136px;" alt="Money">
1667				</div>
1668			</div>
1669			<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/jySbBo_XS3m/190818Vienna-Burke-1952-min.jpg" style="display: block; vertical-align: top; margin: 5px auto; text-align: center; width: 100%;" alt="">
1670					</div>
1671				</div> -->
1672</div>
1673<!--p>My passion for financial planning began early in my career. ;Working for KPMG in Washington, DC out of college allowed me the opportunity to rotate through different tax practice groups. ;I chose the High net worth individual practice because it was the most diverse. I worked with individuals and all of their related entities such as partnerships, trusts and estates. ;After leaving KPMG, I went to work for a boutique tax law firm where I was able to further develop my client relationships and estate planning skills. I decided to get the CFP® designation because I knew I wanted to bring added value to clients through all facets of financial planning in addition to income tax planning. ;I felt like I could provide a more holistic approach to guiding client's to make sound financial decisions while helping them fit all of the puzzle pieces together in their financial lives.;</p>
1674
1675<p>As my family started to grow, I started my own tax practice and it grew organically. ;I’ve worked with individuals, couples and families of all backgrounds and ages providing individual, trust and estate tax planning and compliance. ;After 20 years, I decided it was time to circle back to my passion providing comprehensive financial planning with a tax centric focus. Every day, I find new ways to better serve my clients.;</p>
1676
1677<p>
1678	<br>
1679</p>
1680
1681<h3>Learn More About Me</h3>
1682
1683<p><em>Resume</em></p>
1684
1685<p>I earned a Bachelor’s and Master’s degree in Accountancy with a Specialization in Taxation from the McIntire School of Commerce at the University of Virginia. I am a CPA/PFS and CFP®. I am a member of the NoVA Society of Women CPAs, VA Society of CPAs –Northern Chapter, AICPA - Tax and Financial Planning sections, XY Planning Network and NAPFA.
1686	<br>
1687	<br>
1688</p>
1689
1690<h3>
1691	<br>
1692</h3>
1693
1694<p>Outside of work, my husband Tom and I along with our daughters, Emily and Olivia, are avid Crossfitters. ;We have a Boston Terrier rescue named Macie who is a master ball chaser. ;I served as Treasurer of the National Woman’s Party, a 501(c)(3) integral in passing the 19th Amendment – the woman’s right to vote. I'm also passionate about sustainability and served as Co-chair of the Town of Vienna Conservation and Sustainability Commission for over 12 years. ;I most enjoy exploring the world with my family, native gardening and mindfulness meditation to relax and unwind. ;;</p>
1695
1696<h3>
1697	<br>
1698</h3>
1699
1700<p><strong>If you had a million dollars to spend, what would be the first things you would buy?</strong>
1701	<br>I would take a year to travel to each continent and buy a vacation house for my family to visit and enjoy.</p>
1702
1703<p><strong>Where might you find me on a Saturday night?</strong></p>
1704
1705<p>With my husband, visiting friends on the deck or catching up on our favorite Netflix series.</p>
1706
1707<p><strong>If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?</strong></p>
1708
1709<p>No one expects you to know everything.; Be curious and open to learning.;</p>
1710
1711<p><strong><br></strong></p>
1712
1713<p>
1714	<a class="social-link" href="#linkedin" rel="noopener noreferrer" target="_blank"></a>
1715	<a class="social-link" href="#facebook" target="_blank">
1716		<svg class="icon"></svg>
1717	</a>
1718</p-->
1719</div></div>
1720</div>
1721</div>
1722
1723
1724</div>
1725
1726</div>
1727
1728<div class="member-item has-thumb show-1-up">
1729
1730
1731<figure class="thumbnail">
1732<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/nTunRK_ykSkN/Emily-Headshot.jpg" alt="Emily Burke Photo">
1733
1734<div class="overlay"></div>
1735</figure>
1736
1737
1738<div class="member-details">
1739
1740<header class="member-header">
1741<h3>Emily Burke</h3>
1742
1743<div class="member-title">Financial Planning Associate</div>
1744
1745
1746</header>
1747
1748
1749<div class="member-content">
1750
1751<div class="overlay-content-wrapper">
1752<p>Financial clarity begins with understanding what matters most. My path into financial planning developed through a growing interest in personal finance during my twenties, when I began to see how thoughtful financial decisions can shape not just outcomes, but the way 
1752we live our lives. That realization—combined with a desire to help others gain that same sense of clarity and confidence—ultimately led me to join Birch Street Financial Advisors.</p>
1753
1754<p><a class="open-overlay btn secondary" data-target="bio-emily" href="#">Learn More</a></p>
1755<div class="modal-overlay">
1756<div class="overlay-content" id="bio-emily">
1757<button class="close-overlay">Close</button>
1758<div class="overlay-content-wrapper">
1759<div class="anchor" id="emily-burke"><br></div>
1760<h2>Emily Burke</h2>
1761
1762<p>I believe that financial clarity begins with understanding what matters most. My path into financial planning developed through a growing interest in personal finance during my twenties, when I began to see how thoughtful financial decisions can shape not just outcomes, but the way we live our lives. That realization—combined with a desire to help others gain that same sense of clarity and confidence—ultimately led me to join Birch Street Financial Advisors.</p>
1763
1764
1765<p>I started my career in the tax arena and quickly found my passion for financial planning by preparing complex planning engagements for executive tax clients while working at KPMG, a Big 4 accounting firm. I left KPMG to join a start-up tax boutique CPA and the law firm where I delved deeper into comprehensive planning by adding estate planning engagements. After having my second child, I started a sister tax firm focused on tax consulting and compliance for individuals, estates and trusts. The practice grew as my children grew. Throughout my career, I have combined tax and financial planning. Tax-focused financial planning allows me to provide an in-depth assessment and analysis of retirement and estate planning scenarios for pre-retirees and retirees since these decisions are heavily tax-driven. Through Birch Street Financial Advisors, I work with you to define and work toward financial goals, while providing you a holistic approach to providing financial security and live the life you’d relive.</p>
1766
1767
1768<p>Growing up, I had a unique perspective on this profession watching my mom build her career in tax-focused financial planning and the impact it had on the clients she served.&nbsp;I’ve seen firsthand how integrating tax strategy with long-term planning can create meaningful opportunities for individuals and families. Today, I am proud to be part of continuing that work—helping clients align their financial resources with their values and supporting them through important life transitions with care and intention.</p>
1769
1770<p>At Birch Street, I work alongside our team to support clients in defining their goals and making thoughtful, informed decisions. Whether someone is navigating a transition or preparing for retirement, I am committed to helping simplify complexity and provide a steady, supportive planning experience.</p>
1771
1772<p>I graduated from Virginia Tech in 2019 with dual bachelor’s degrees in Environmental Studies and Economics. This combination allows me to approach financial planning with both analytical rigor and a long-term perspective—balancing technical insight with an appreciation for sustainability and lasting impact. My prior professional experience further strengthened my project management and client relationship skills, which I draw on in my work with clients today.</p>
1773
1774<p>To deepen my expertise, I am currently completing coursework through the University of Virginia’s Certified Financial Planning program and working toward obtaining my Enrolled Agent designation through the IRS. I plan to sit for the CFP® exam as I continue building my career in the profession.</p>
1775
1776<p>I live in Falls Church with my fiancé, Joe, and our Husky, Max. Outside of work, I enjoy coaching part-time at Ballston CrossFit, working on home projects, and spending time in the garden. Staying active and engaged—both physically and mentally—is an important part of how I show up for my work and for the clients we serve.</p>
1777
1778<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/iwtt6sGKQZ6Z/BSHighRes-12.jpg" style="display: block; vertical-align: top; margin: 5px auto; text-align: center; width: 100%;" alt="">
1779
1780
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1800</div>
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1802<div class="member-item has-thumb show-1-up">
1803
1804
1805<figure class="thumbnail">
1806<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/DuDNiFVcV1av/IMG_2860.JPG" alt="Alyson Reid Photo">
1807
1808<div class="overlay"></div>
1809</figure>
1810
1811
1812<div class="member-details">
1813
1814<header class="member-header">
1815<h3>Alyson Reid</h3>
1816
1817<div class="member-title">Strategic Partner</div>
1818
1819
1820</header>
1821
1822
1823<div class="member-content">
1824
1825<div class="overlay-content-wrapper">
1826<p>Meaningful work is often found in the details—how things are organized, communicated, and carried through behind the scenes. My path into this role has been shaped by a passion for supporting others, creating structure, and helping things run smoothly so that the focus can remain on what matters most.</p>
1827
1828<p><a class="open-overlay btn secondary" data-target="bio-alyson" href="#">Learn More</a></p>
1829<div class="modal-overlay">
1830<div class="overlay-content" id="bio-alyson">
1831<button class="close-overlay">Close</button>
1832<div class="overlay-content-wrapper">
1833<div class="anchor" id="alyson-reid"><br></div>
1834<h2>Alyson Reid</h2>
1835
1836<h4>Strategic Partner</h4>
1837
1838<p>I believe that meaningful work is often found in the details—how things are organized, communicated, and carried through behind the scenes. My path into this role has been shaped by a passion for supporting others, creating structure, and helping things run smoothly so that the focus can remain on what matters most.</p>
1839
1840<p>At Birch Street Financial Advisors, I support the team as an Advisor Support Specialist, helping to streamline operations, enhance communication, and create a more seamless experience for our clients. I enjoy bringing organization and intention to the planning process, ensuring that each step feels thoughtful, coordinated, and aligned with the level of care our clients expect.</p>
1841
1842<p>I earned my undergraduate degree from Vanderbilt University and went on to complete my master’s at Southern Methodist University. This foundation, combined with my professional experience, has shaped a detail-oriented and thoughtful approach to my work.</p>
1843
1844<p>I live in Santa Fe, New Mexico, where I enjoy an active, outdoor lifestyle balanced with quieter moments at home. As a parent to two daughters, much of my time is spent with family. I also enjoy spending time in the garden and caring for our chickens. When I have the chance, I love curling up with a good book and a cup of hot tea.</p>
1845
1846<img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/Itf41dHjkEGO/ReidFamily-003.jpg" style="display: block; vertical-align: top; margin: 5px auto; text-align: center; width: 100%;" alt="">
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1859</div>
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1861</div>
1862</section>
1863
1864
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1866</section>
1867
1868<section id="section-services" class="section page-section">
1869
1870
1871
1872
1873<div class="divider is-0">
1874
1875
1876<div class="bg" style="background-image:url('https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/0sG0ZY9Gh7M/ServicesHIghRes-3.jpg'); background-position: center center; background-repeat: no-repeat; background-attachment: scroll; background-size: cover;"></div>
1877
1878
1879
1880<div class="overlay">
1881<div class="container">
1882
1883
1884
1885<div class="hero-content" data-location="hero_content" data-id="6ac3e5e5261139db08cb6985" data-type="hero">
1886<div class="row center-xs">
1887<div class="col-xs-12 col-sm-8">
1888
1889
1890
1891<div class="overlay-box">
1892
1893<h1 style="text-align: center;">Services</h1>
1894</div></div></div>
1895</div>
1896</div>
1897</div>
1898
1899</div>
1900
1901
1902<div class="main-content-wrapper">
1903
1904
1905<div class="container">
1906<div class="main-content" data-location="content" data-id="6ac3e5e5261139db08cb6985" data-type="page">
1907<div class="row center-xs">
1908<div class="col-xs-12 col-sm-6">
1909
1910
1911<h2><a class="open-overlay btn btn-block" data-target="ongoing-financial-planning-services" href="#">Ongoing Financial <br>Planning  Services</a></h2>
1912
1913</div>
1914<div class="col-xs-12 col-sm-6">
1915
1916
1917
1918<h2><a class="open-overlay btn btn-block" data-target="investment-management" href="#">Investment <br>Management</a></h2>
1919
1920</div></div>
1921<div class="modal-overlay">
1922<div class="overlay-content" id="ongoing-financial-planning-services">
1923<button class="close-overlay">Close</button>
1924<div class="overlay-content-wrapper">
1925
1926<div class="row">
1927<div class="col-xs-12 col-sm-6 bottom extra-padding">
1928
1929
1930
1931<p class="is-h3"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/BOE2urgNrgT/piggy-bank.svg" style="display: block; vertical-align: top; margin: 0px auto 0px 0px; text-align: left; width: 75px;" alt=""></p>
1932
1933<h3>Retirement Income &amp; Social Security (SS) Optimization</h3>
1934<hr>
1935
1936<p>Taxes can be one of the most significant costs during retirement so our focus is to keep them low. We consider your retirement assets and income to develop a withdrawal strategy so that you have a comfortable income stream and pay less tax. </p>
1937
1938<p>We focus on the following to provide you an income stream:</p>
1939
1940<ul class="checklist">
1941<li>Understand your current and future goals</li>
1942<li>Implement a savings plan</li>
1943<li>Size up expenses</li>
1944<li>Stress test your portfolio for different life events</li>
1945<li>Coordinate income streams from SS benefits, Required Minimum Distributions (RMDs), pensions and other sources to reduce taxes</li>
1946<li>Optimize SS benefits by considering spousal benefits, other income, health issues and personal preference</li>
1947</ul>
1948</div>
1949
1950<div class="col-xs-12 col-sm-6 extra-padding">
1951
1952<p class="is-h3"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/EO8J8lyQpQy/tax.svg" style="display: block; vertical-align: top; margin: 0px auto 0px 0px; text-align: left; width: 75px;" alt=""></p>
1953
1954<h3>Tax Planning</h3>
1955
1956<p>
1957<br>
1958</p>
1959<hr>
1960
1961<p>Taxes play a crucial role during retirement and surprisingly, you may have a larger tax b
1961ill than when you were working. We provide proactive tax planning and analysis calculations to minimize taxes before and during retirement.</p>
1962
1963<p>We help you minimize your tax liability by providing the following:</p>
1964
1965<ul class="checklist">
1966
1967<li>Roth IRA conversion planning</li>
1968<li>Charitable giving planning</li>
1969<li>Tax loss harvesting</li>
1970<li>Asset location strategies</li>
1971<li>Deduction planning</li>
1972<li>Required withdrawal strategies</li>
1973</ul>
1974
1975<p>We offer tax preparation services through my tax firm Joanne Burke CPA PLLC.</p></div></div>
1976
1977<p>
1978<br>
1979</p>
1980<div class="row">
1981<div class="col-xs-12 col-sm-6 bottom extra-padding">
1982
1983<p class="is-h3"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/gquocGOyYA-/insurance.svg" style="display: block; vertical-align: top; margin: 0px auto 0px 0px; text-align: left; width: 75px;" alt=""></p>
1984
1985<h3>Risk Management &amp; Insurance</h3>
1986<hr>
1987
1988<p>We review your current insurance benefits and help you determine what’s appropriate for your needs. We are not paid any commission on products and act in an advisory capacity. We review and assess the following types of insurance:</p>
1989
1990<ul class="checklist">
1991
1992<li>Long-Term Care Insurance</li>
1993<li>Disability Insurance</li>
1994<li>Home &amp; Auto Insurance</li>
1995<li>Life Insurance</li>
1996<li>Health Insurance</li>
1997<li>Umbrella Insurance</li>
1998</ul>
1999</div>
2000
2001<div class="col-xs-12 col-sm-6 extra-padding">
2002
2003<p class="is-h3"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/3fY0jGT9NoQ/house.svg" style="display: block; vertical-align: top; margin: 0px auto 0px 0px; text-align: left; width: 75px;" alt=""></p>
2004
2005<h3>Estate Planning</h3>
2006<hr>
2007
2008<p>Estate planning is critical to ensure your hard earned assets are protected in the event of incapacitation and your legacy is honored. We help you put together a plan to protect beneficiaries, protect young children, reduce taxes, and limit family conflict. Our estate planning services include:</p>
2009
2010<ul class="checklist">
2011
2012<li>Facilitate making or updating wills, health care proxy and power of attorney</li>
2013<li>Review beneficiary designations</li>
2014<li>Assess need for trusts in estate plan</li>
2015<li>Develop charitable and family gifting strategies</li>
2016<li>Ensure you have guardians for minor children</li>
2017</ul>
2018
2019</div></div>
2020
2021<p>
2022<br>
2023</p>
2024<a href="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/DXDuh000hAbr/financial-planning-process.pdf" rel="noopener noreferrer" target="_blank"><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/m7znyubNI4XV/financial-planning-process.png" style="display: block; vertical-align: top; margin: 0px auto; text-align: center;" alt=""></a>
2025<div class="row center-xs">
2026<div class="col-xs-12 col-sm-10">
2027
2028<p><br></p>
2029<p class="hero" style="text-align: center;">The financial planning process is ongoing. As your life changes, we continue to assess your plan and make modifications to fit your needs.</p>
2030
2031
2032</div></div>
2033
2034
2035
2036<h2 style="text-align: center;">
2037<br>
2038</h2>
2039
2040<h2 style="text-align: center;"><strong>2026 Cost Structure</strong></h2>
2041<br>
2042
2043<p style="text-align: center;"><strong>Assets Under Management &lt; $3MM</strong></p>
2044
2045<table border="0" cellpadding="0" cellspacing="0" id="isPasted" width="520"><tbody><tr height="30"><td height="30" style="text-align: center;" width="157"><strong>Category</strong></td>
2046<td style="text-align: center;" width="142"><strong>Financial Planning Cost</strong></td>
2047<td style="text-align: center;" width="159"><strong>Assets Under Management</strong></td>
2048<td style="text-align: center;" width="62"><strong>Cost</strong></td></tr>
2049<tr height="16"><td height="88" rowspan="4" style="text-align: center;" width="157"><strong>Upfront Onboarding Cost</strong></td>
2050<td rowspan="4" style="text-align: center;" width="142">$1,500</td>
2051<td rowspan="3" style="text-align: center;" width="159"><strong>$0- $1,000,000</strong></td>
2052<td rowspan="3" style="text-align: center;" width="62">0.70%</td></tr>
2053
2054
2055<tr height="28"><td height="57" rowspan="3" style="text-align: center;" width="159"><strong>$1,000,001 - $2,500,000</strong></td>
2056<td rowspan="3" style="text-align: center;" width="62">0.55%</td></tr>
2057<tr height="17"><td height="94" rowspan="5" style="text-align: center;" width="157"><strong>Ongoing Planning Cost</strong></td>
2058<td rowspan="5" style="text-align: center;" width="142">Minimum $7,200/year
2059<br>(Based on Complexity*)</td></tr>
2060
2061<tr height="19"><td height="65" rowspan="3" style="text-align: center;" width="159"><strong>$2,500,001 - $3,000,000</strong></td>
2062<td rowspan="3" style="text-align: center;" width="62">0.45%</td></tr>
2063
2064</tbody></table>
2065
2066<p class="is-mb0" style="text-align: center;">
2067The financial planning cost can be paid monthly or quarterly.
2068</p>
2069
2070<p class="disclaimer" style="text-align: center;">*Some factors that increase complexity include, but are not limited to: employer stock compensation, rental property, self-employed business owner, trusts in estate planning, and stock concentration</p>
2071
2072<p style="text-align: center;"><strong>Assets Under Management &gt; $3MM</strong></p>
2073
2074<table border="0" cellpadding="0" cellspacing="0" id="isPasted" width="549"><tbody><tr height="30"><td height="30" style="text-align: center;" width="162"><strong>Category</strong></td>
2075<td style="text-align: center;" width="147"><strong>Financial Planning Cost</strong></td>
2076<td style="text-align: center;" width="170"><strong>Assets Under Management</strong></td>
2077<td style="text-align: center;" width="70"><strong>Cost</strong></td></tr>
2078<tr height="16"><td height="88" rowspan="4" style="text-align: center;" width="162"><strong>Upfront Onboarding Cost</strong></td>
2079<td rowspan="9" style="text-align: center;" width="147">Included in AUM Cost
2080</td>
2081<td rowspan="2" style="text-align: center;" width="170"><strong>$0- $1,000,000</strong></td>
2082<td rowspan="2" style="text-align: center;" width="70">0.95%</td></tr>
2083<tr height="28"></tr>
2084<tr height="16"><td height="44" rowspan="2" style="text-align: center;" width="170"><strong>$1,000,001 - $2,500,000</strong></td>
2085<td rowspan="2" style="text-align: center;" width="70">0.80%</td></tr>
2086<tr height="28"></tr>
2087<tr height="17"><td height="94" rowspan="5" style="text-align: center;" width="162"><strong>Ongoing Planning Cost</strong></td>
2088<td rowspan="3" style="text-align: center;" width="170"><strong>$2,500,001 - $5,000,000</strong></td>
2089<td rowspan="3" style="text-align: center;" width="70">0.70%</td></tr>
2090<tr height="12"></tr>
2091<tr height="19"></tr>
2092<tr height="19"><td height="46" rowspan="2" style="text-align: center;" width="170"><strong>&gt; $5,000,001</strong></td>
2093<td rowspan="2" style="text-align: center;" width="70">0.50%</td></tr>
2094<tr height="27"></tr></tbody></table>
2095
2096<p style="text-align: center;">
2097AUM charges will be deducted monthly from your accounts under management.
2098</p>
2099
2100<!-- 			<h2 style="text-align: center;">Our Fees</h2>
2101			
2102			<h4 style="text-align: center;">Ongoing Financial Planning</h4>
2103			
2104			<p class="is-m0">
2105				<br>
2106			</p>
2107			<div class="row center-xs">
2108				<div class="col-xs-12 col-sm-8">
2109			
2110			
2111					<table style="width: 100%;">
2112						<tbody>
2113							<tr>
2114								<td style="width: 50%; text-align: center;">
2115			
2116									<h4>Up-front onboarding fee</h4>
2117								</td>
2118								<td style="width: 50%; text-align: center;">
2119			
2120									<h4> annual ongoing planning fee payable monthly or quarterly installments</h4>
2121								</td>
2122							</tr>
2123							<tr>
2124								<td style="width: 50%; text-align: center;">
2125									<div class="hero">$1,250</div>
2126								</td>
2127								<td class="hero" style="width: 50%; text-align: center;">Starts at $7,200/yr. depending upon complexity*&nbsp;</td>
2128							</tr>
2129						</tbody>
2130					</table>
2131				</div></div>
2132			
2133			<p class="is-mb0" style="text-align: center;">
2134				<br>
2135			</p>
2136			
2137			<p class="disclaimer is-mb0" style="text-align: center;">(You can select your payment terms)</p>
2138			
2139			<p class="disclaimer" style="text-align: center;">Please note: When paying an ongoing financial planning fee and also desiring investment advisory services, the AUM fee is reduced by 25 basis points per tier.&nbsp;
2140				<br>If assets under management are in excess of $3MM, financial planning is included in the AUM fee.&nbsp;</p>
2141			
2142			<p class="disclaimer" style="text-align: center;">* Some factors that increase complexity include, but are not limited to, employer stock compensation, rental property, self-employed business owner, trusts in estate planning, and stock concentration.</p> -->
2143
2144
2145</div>
2146
2147
2148</div>
2149</div>
2150<div class="modal-overlay">
2151<div class="overlay-content" id="investment-management">
2152<button class="close-overlay">Close</button>
2153<div class="overlay-content-wrapper">
2154
2155<h2 style="text-align: center;">We Act as Your Emotional Buffer</h2>
2156
2157<p>We don’t try to beat or time the market;
2157 we believe the market is largely efficient. We don’t gamble with your money; this is your life’s savings. We make investment decisions on your behalf to build long-term, strategic, diversified portfolios aligned with your risk tolerance and goals that take cost and taxes into consideration. </p>
2158
2159<p>We also take your current holdings into consideration and incorporate them into the portfolio when appropriate. Investment management services are provided in addition to ongoing financial planning. I meet with clients twice a year to review the plan and determine if the portfolio is meeting the plan goals.</p>
2160
2161<p class="is-m0">
2162<br>
2163</p>
2164<div class="row">
2165<div class="col-xs-12 col-sm-4 bottom">
2166
2167
2168
2169<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/wmqovr6Jyvh/pie-chart-4.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
2170
2171<h3 style="text-align: center;">Asset Allocation</h3>
2172<hr>
2173
2174<p>Be diversified across asset classes and asset types.</p>
2175
2176</div>
2177<div class="col-xs-12 col-sm-4 bottom">
2178
2179<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/hfdAzoTvWek/to-do-list.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
2180
2181<h3 style="text-align: center;">Investment Policy Statement</h3>
2182<hr>
2183
2184<p>Document your investment objectives based on your goals and risk profile. Revisit your objectives annually.</p>
2185
2186</div>
2187<div class="col-xs-12 col-sm-4">
2188
2189<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/SDAUaFJRJqW/calendar-3.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
2190
2191<h3 style="text-align: center;">Risk Management</h3>
2192<hr>
2193
2194<p>Achieve long-term returns within your risk comfort zone so you can sleep at night.</p>
2195</div></div>
2196
2197<p>
2198<br>
2199</p>
2200<div class="row">
2201<div class="col-xs-12 col-sm-4 bottom">
2202
2203<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/scdq0K2Tw3O/calculator.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
2204
2205
2206<h3 style="text-align: center;">Tax Efficiency</h3>
2207<hr>
2208
2209<p>Minimize taxes on your portfolio by tax loss harvesting, minimizing capital gain exposure and selecting appropriate vehicles for different account types.</p>
2210
2211</div>
2212<div class="col-xs-12 col-sm-4 bottom">
2213
2214<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/zmZstQ7eI7e/infographic-1.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
2215
2216<h3 style="text-align: center;">Investing Preferences</h3>
2217<hr>
2218
2219
2220<p><strong>ESG Investing</strong> - Sustainability is important to us so we have impact investing options that allow you to connect your money with your values.</p>
2221
2222<p class="is-mb0"><strong>Retain legacy holdings</strong> - You don’t have to sell all of your assets to fit our models. We work to retain your legacy holdings as part of your portfolio.</p>
2223
2224
2225</div>
2226<div class="col-xs-12 col-sm-4">
2227
2228<p><img src="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/BUNC2_Rob3F/infographic.svg" style="display: block; vertical-align: top; margin: 0px auto; text-align: center; width: 78px;" alt=""></p>
2229
2230<h3 style="text-align: center;">Low Cost Investments</h3>
2231<hr>
2232
2233<p>We select low cost vehicles that maximize your investable assets.</p>
2234</div></div>
2235
2236<p>
2237<br>
2238</p>
2239
2240<h2 style="text-align: center;"><strong>2026 Cost Structure</strong></h2>
2241<br>
2242
2243<p style="text-align: center;"><strong>Assets Under Management &lt; $3MM</strong></p>
2244
2245<table border="0" cellpadding="0" cellspacing="0" id="isPasted" width="520"><tbody><tr height="30"><td height="30" style="text-align: center;" width="157"><strong>Category</strong></td>
2246<td style="text-align: center;" width="142"><strong>Financial Planning Cost</strong></td>
2247<td style="text-align: center;" width="159"><strong>Assets Under Management</strong></td>
2248<td style="text-align: center;" width="62"><strong>Cost</strong></td></tr>
2249<tr height="16"><td height="88" rowspan="4" style="text-align: center;" width="157"><strong>Upfront Onboarding Cost</strong></td>
2250<td rowspan="4" style="text-align: center;" width="142">$1,500</td>
2251<td rowspan="3" style="text-align: center;" width="159"><strong>$0- $1,000,000</strong></td>
2252<td rowspan="3" style="text-align: center;" width="62">0.70%</td></tr>
2253<tr height="28"></tr>
2254<tr height="16"></tr>
2255<tr height="28"><td height="57" rowspan="3" style="text-align: center;" width="159"><strong>$1,000,001 - $2,500,000</strong></td>
2256<td rowspan="3" style="text-align: center;" width="62">0.55%</td></tr>
2257<tr height="17"><td height="94" rowspan="5" style="text-align: center;" width="157"><strong>Ongoing Planning Cost</strong></td>
2258<td rowspan="5" style="text-align: center;" width="142">Minimum $7,200/year
2259<br>(Based on Complexity*)</td></tr>
2260<tr height="12"></tr>
2261<tr height="19"><td height="65" rowspan="3" style="text-align: center;" width="159"><strong>$2,500,001 - $3,000,000</strong></td>
2262<td rowspan="3" style="text-align: center;" width="62">0.45%</td></tr>
2263<tr height="19"></tr>
2264<tr height="27"></tr></tbody></table>
2265
2266<p class="is-mb0" style="text-align: center;">
2267The financial planning cost can be paid monthly or quarterly.
2268</p>
2269
2270<p class="disclaimer" style="text-align: center;">*Some factors that increase complexity include, but are not limited to: employer stock compensation, rental property, self-employed business owner, trusts in estate planning, and stock concentration</p>
2271
2272<p style="text-align: center;"><strong>Assets Under Management &gt; $3MM</strong></p>
2273
2274<table border="0" cellpadding="0" cellspacing="0" id="isPasted" width="549"><tbody><tr height="30"><td height="30" style="text-align: center;" width="162"><strong>Category</strong></td>
2275<td style="text-align: center;" width="147"><strong>Financial Planning Cost</strong></td>
2276<td style="text-align: center;" width="170"><strong>Assets Under Management</strong></td>
2277<td style="text-align: center;" width="70"><strong>Cost</strong></td></tr>
2278<tr height="16"><td height="88" rowspan="4" style="text-align: center;" width="162"><strong>Upfront Onboarding Cost</strong></td>
2279<td rowspan="9" style="text-align: center;" width="147">Included in AUM Cost
2280</td>
2281<td rowspan="2" style="text-align: center;" width="170"><strong>$0- $1,000,000</strong></td>
2282<td rowspan="2" style="text-align: center;" width="70">0.95%</td></tr>
2283<tr height="28"></tr>
2284<tr height="16"><td height="44" rowspan="2" style="text-align: center;" width="170"><strong>$1,000,001 - $2,500,000</strong></td>
2285<td rowspan="2" style="text-align: center;" width="70">0.80%</td></tr>
2286<tr height="28"></tr>
2287<tr height="17"><td height="94" rowspan="5" style="text-align: center;" width="162"><strong>Ongoing Planning Cost</strong></td>
2288<td rowspan="3" style="text-align: center;" width="170"><strong>$2,500,001 - $5,000,000</strong></td>
2289<td rowspan="3" style="text-align: center;" width="70">0.70%</td></tr>
2290<tr height="12"></tr>
2291<tr height="19"></tr>
2292<tr height="19"><td height="46" rowspan="2" style="text-align: center;" width="170"><strong>&gt; $5,000,001</strong></td>
2293<td rowspan="2" style="text-align: center;" width="70">0.50%</td></tr>
2294<tr height="27"></tr></tbody></table>
2295
2296<p style="text-align: center;">
2297AUM charges will be deducted monthly from your accounts under management.
2298</p>
2299
2300
2301<!-- <h2 class="is-mt0" style="text-align: center;">Our Fees</h2>
2302			
2303			<h4 style="text-align: center;">Assets Under Management</h4>
2304			
2305			<p class="is-m0">
2306				<br>
2307			</p>
2308			<div class="row center-xs">
2309				<div class="col-xs-12 col-sm-6">
2310			
2311			
2312					<table style="width: 100%;">
2313						<tbody>
2314							<tr>
2315								<td style="width: 50%; text-align: center;">
2316			
2317									<h4>Account Value</h4>
2318								</td>
2319								<td style="width: 50%; text-align: center;">
2320			
2321									<h4>Annual Advisory Fee</h4>
2322								</td>
2323							</tr>
2324							<tr>
2325								<td style="width: 50%; text-align: center;">$0 - $1,000,000</td>
2326								<td style="width: 50%; text-align: center;">0.95%</td>
2327							</tr>
2328							<tr>
2329								<td style="width: 50%; text-align: center;">$1,000,000 - $2,500,000</td>
2330								<td style="width: 50%; text-align: center;">0.80%</td>
2331							</tr>
2332							<tr>
2333								<td style="width: 50%; text-align: center;">$2,500,001 - $5,000,000</td>
2334								<td style="width: 50%; text-align: center;">0.70%</td>
2335							</tr>
2336							<tr>
2337								<td style="width: 50%; text-align: center;">$5,000,001 and Above</td>
2338								<td style="width: 50%; text-align: center;">0.50%</td>
2339							</tr>
2340						</tbody>
2341					</table> -->
2342
2343
2344</div></div>
2345
2346<p>
2347<br>
2348</p>
2349
2350<p class="disclaimer is-mb0" style="text-align: center;">(You can select your payment terms)</p>
2351
2352<p class="disclaimer" style="text-align: center;">Please note: When paying an ongoing financial planning fee, the AUM fee is reduced by 25 basis points per tier.&nbsp;
2353<br>If assets under management are in excess of $3MM, financial planning is included in the AUM fee.&nbsp;</p>
2354
2355<p class="disclaimer" style="text-align: center;">* Some factors that increase complexity include, but are not limited to, employer stock compensation, rental property, self-employed business owner, trusts in estate planning, and stock concentration.</p>
2356</div>
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2513
2514<p class="hero">705 Birch ST SW
2515<br>Vienna, VA 22180-6308
2516
2517
2518</p>
2519
2520<h4 class="hero is-mb0">Email:</h4>
2521
2522<p><a href="mailto:[email protected]">[email protected]</a>
2523
2524</p>
2525
2526<h4 class="hero">Phone:</h4>
2527
2528<p>(703) 319-8778</p>
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2626
2627<p class="is-mb0" style="text-align: center;">705 Birch ST SW, Vienna, VA 22180-6308
2628</p>
2629
2630<p style="text-align: center;">Email:&nbsp;<a href="mailto:[email protected]">[email protected]</a>&nbsp; |&nbsp; Phone: (703) 319-8778&nbsp; |&nbsp; <a href="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/oBRreiUQrgfC/2026-ADV-FINAL-03032026-1.pdf" rel="noopener noreferrer" target="_blank">Form ADV</a> and <a href="https://static.twentyoverten.com/5fe10c065dc88a1ec1c29934/pZh3HZAT6EkpL/Privacy-Policy-2026.pdf" rel="noopener noreferrer" target="_blank">Privacy Policy</a></p>
2631
2632<p class="disclaimer">Birch Street Financial Advisors is an Investment Advisor registered with the State(s) of Virginia. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Investments involve risk and unless otherwise stated are not guaranteed. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or the completeness of, any de
2632scription of securities, markets or developments mentioned. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here.</p>
2633
2634<p class="disclaimer">The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of the information provided at these websites.</p>
2635
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2641
2642<img src="data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath d='M15,1.75A13.25,13.25,0,1,1,1.75,15,13.27,13.27,0,0,1,15,1.75M15,0A15,15,0,1,0,30,15,15,15,0,0,0,15,0h0Z' fill='%23ffffff'/%3E%3Cpath d='M13.13,6.39a0.6,0.6,0,0,1,.57-0.63h0.72a0.6,0.6,0,0,1,.64.63V9h1a0.6,0.6,0,0,1,.64.63V10a0.61,0.61,0,0,1-.56.65H15.06v6.73c0,0.82.21,1.06,0.93,1.06h0.47a0.6,0.6,0,0,1,.64.63v0.4a0.61,0.61,0,0,1-.57.64h-0.6c-2,0-2.85-.82-2.85-2.73v-11h0Z' fill='%23ffffff'/%3E%3Cpath d='M17.38,23.6a0.64,0.64,0,0,1-.64.63H13.28a0.64,0.64,0,0,1-.64-0.63V23.05a0.64,0.64,0,0,1,.64-0.59h3.44a0.64,0.64,0,0,1,.64.63V23.6Z' fill='%23ffffff'/%3E%3C/svg%3E" alt="Financial Advisor Websites by Twenty Over Ten">
2643
2644<span>Powered by Twenty Over Ten</span>
2645</a>
2646</p>
2647</div>
2648</div>
2649</div>
2650
2651</footer>
2652
2653
2654<div class="brokercheck is-simple is-bottom-left">
2655<div class="brokercheck--inner">
2656<a href="https://adviserinfo.sec.gov/firm/summary/305749" class="brokercheck--link" target="_blank">
2657<div class="brokercheck--logo">
2658<img src="https://static.twentyoverten.com/brokercheck-logo-color.png" alt="FINRA BrokerCheck">
2659</div>
2660</a>
2661</div>
2662</div>
2663
2664
2665
2666<script>
2667window.appUrl = 'https://app.twentyoverten.com';
2668window.siteUrl = 'https://birchstreetadvisors.com';
2669window.suppress = false;
2670window.calendlyActive = true;
2671</script>
vendor: 1 bytes, line 2671
2671
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2672
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2676
2677<script src="https://assets.calendly.com/assets/external/widget.js" type="text/javascript"></script>
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2678
2679
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2680
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vendor: 1 bytes, line 2747
2747
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vendor: 127 bytes, lines 2789-2792
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2795
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vendor: 127 bytes, lines 2798-2801
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2804</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.