Independent financial planning built on trust, not commissions. We sit on your side of the table ā always.
Personalized retirement projections, Social Security optimization, and withdrawal strategies designed to make your money last as long as you do.
Evidence-based portfolio construction with low-cost funds. Globally diversified, tax-efficient, and aligned with your risk tolerance and timeline.
Proactive tax planning including Roth conversions, tax-loss harvesting, and charitable giving strategies to minimize your lifetime tax burden.
Coordination with your legal team on wills, trusts, beneficiary designations, and legacy planning to protect what you've built for the next generation.
529 plans, financial aid optimization, and education savings strategies so your children's future doesn't compromise your retirement.
Within 10 years of retirement
You've spent decades building your nest egg. Now you need a clear plan for transitioning from saving to spending ā with confidence that your money will last. We help with retirement income planning, Social Security timing, Medicare decisions, and portfolio positioning.
Building value and planning exits
Your business is your biggest asset, but it shouldn't be your only one. We help with succession planning, tax optimization through entity structure, qualified retirement plans, and building personal wealth alongside your business.
Building wealth from the ground up
You're earning well but want to make smarter decisions early. From student loan payoff strategies and first home purchases to equity compensation and building an investment foundation, we help you start right.
As a fee-only fiduciary, we are legally and ethically obligated to act in your best interest ā not ours. We don't sell products, earn commissions, or receive kickbacks from fund companies. Our only compensation comes directly from you, which means our advice is never influenced by hidden incentives.
18 years of helping families and business owners build, protect, and transfer wealth ā with zero conflicts of interest.
David founded Oakwood Financial Planning after spending a decade at a major wirehouse, where he saw firsthand how commission-driven advice often failed clients. He became a fee-only advisor because he believed people deserve financial guidance that puts their interests first ā always.
He holds the Certified Financial Planner (CFPĀ®) and Chartered Financial Analyst (CFA) designations, and earned his M.B.A. from the University of Connecticut. David is an active member of NAPFA (National Association of Personal Financial Advisors) and has been quoted in The Wall Street Journal, Kiplinger, and Financial Planning Magazine.
Outside the office, David coaches his daughter's soccer team and is an avid trail runner. He lives in West Hartford with his wife, two kids, and an overenthusiastic golden retriever named Buffett.
"David helped us realize we could retire two years earlier than we thought. His Social Security timing analysis alone saved us over $80,000. After working with commission-based advisors for years, the difference with a fee-only fiduciary is night and day."
"When I sold my dental practice, David structured the transition to minimize capital gains and set up a retirement plan that will sustain us for decades. He coordinated with our CPA and estate attorney seamlessly. Best financial decision we've made."
"I came to David with $120K in student loans and a new tech salary. He built a plan that balanced aggressive loan payoff with investing and saving for a home. Three years later, I'm debt-free and just closed on my first house."
Your first consultation is free, confidential, and completely no-obligation. We'll listen to where you are, where you want to be, and discuss whether we're the right fit to help you get there.
š (555) 234-5678
š§ david@oakwoodplanning.com
š 100 Pearl St, Suite 800, Hartford, CT
All consultations are confidential.