How we think about your money.
Sporos is Greek for seed. These are the beliefs behind every plan we build, about goals, taxes, investing and fees. If they match how you already think, we should talk.
The three things every plan we build has to get right.
We start with what you want the money to do. Then every plan is held to three things.
Your goals are the scoreboard
A plan works when you reach what you set out to do: the house, the kids' college paid for, work becoming optional at the age you picked. Every plan starts with your goals written down, each with a date and a dollar figure, and every recommendation has to move one of them.
Taxes, planned before the year ends
Withholding on equity pay, which account each investment sits in, when income lands and which account you draw from all change what you keep. We project your taxes while there's still time to act on the number, then make the moves that fit your goals.
A plan that outlives its advisor
A financial plan runs for decades. We built Sporos father and son so someone who knows your plan is at the table for the long run, and your family doesn't get handed to a stranger. As fiduciaries, we answer to you.
11 pages: who we are, what we believe about goals, taxes, investing, insurance and fees, and five questions to ask any advisor, us included.
Most of your tax bill is decided before you file.
By April, the return only records what already happened. The savings come from moves made during the year, while the number can still change. So we treat taxes as a year-round part of the plan.
01
Start from your return
Every plan begins with a close read of your last tax return. It shows what you paid, why you paid it, and which moves are still open to you.
02
Project the year before it ends
We estimate this year's taxes in the fall, while there's still time to act: withholding on bonuses and equity pay, estimated payments, and the year-end moves that fit your goals.
03
Put each dollar in the right account
Taxable, tax-deferred and Roth accounts are taxed in different ways. Holding each investment where it's taxed least, and drawing income from the right account each year, can be worth six figures over a 30-year retirement, depending on your accounts and tax rates.
04
Time the big decisions
Roth conversions in lower-income years, harvesting losses to offset gains, giving from the right account, and when to claim Social Security. Each one has a window, and the windows go on your planning calendar.
Most people have someone who tells them what they owe. Few have someone helping them owe less.
We work alongside your CPA (certified public accountant), who prepares and files your return.
A portfolio's job is to pay for your goals.
We judge a portfolio by one test: does it fund the things on your list, on the dates you picked? That test shapes how we build it.
01
We don't time the market
Nobody knows what next quarter brings, us included. We build the plan to hold up through bad years whenever they come, and we stay invested through them.
02
Risk sized to your goals
We work hard for good returns, and we hold them to one condition: they can't come with so much risk that a goal falls out of reach. Money you'll need soon sits in steadier holdings. A 50% decline needs a 100% gain to break even, so we work to limit the deep drops that knock goals off course.
03
Concentration gets a written plan
Company stock, RSUs (restricted stock units) and stock options can build wealth fast, all in one place. We write down what to hold, what to sell and when, with the tax cost of each move in front of you.
04
Research behind every portfolio
We manage portfolios ourselves, drawing on Samee's equity research background. When a specialist manager is the better fit for part of a portfolio, we bring one in, after doing the due diligence on their process, their record through hard markets and their costs.
Insurance has one job in a plan: protecting your family. Wealth gets built through saving, investing and taxes planned well, and we keep those two jobs separate.
Diversification and downside protection strategies do not assure a profit or protect against loss in a declining market. All investing involves risk, including the possible loss of principal.
Two ways to pay, because people need two kinds of help.
Some people want a plan and the confidence to carry it out themselves. Others want the plan carried out for them. We price each one to match the work.
Financial planning
Monthlyflat fee, set by your plan
For people building wealth who manage their own investments.
A flat monthly fee, set by how complex your situation is. Your income and the size of your accounts don't set your fee. You get the plan, the calendar and us on call, and you place the trades. Retirement plans are a flat monthly fee too, starting with a plan build.
Wealth management
Annualpercentage of assets managed
For people who want the plan carried out for them.
We manage your portfolio in an LPL advisory account, alongside the full plan. The fee is a percentage of the assets we manage. The rate steps down as assets grow, and it is billed quarterly from the account. Account minimums apply.
A percentage fee means we earn more when the accounts we manage are larger. Larger accounts usually take more work too: more tax decisions, more accounts to coordinate, and more to weigh in every investment move. When paying down the mortgage, funding a business or helping your kids is the right move, we recommend it, even when it shrinks what we manage.
If you buy insurance or a 529 plan through us, we may earn a commission. You're free to buy them anywhere. Planning is not a condition of wealth management, and wealth management is not required to buy planning. Advisory accounts are subject to an advisory fee, and transaction costs and fund expenses may also apply.
One call to start. Both of us for the long run.
1
Discovery Call
A 30-minute conversation about your goals, your concerns, and whether we're the right fit. You leave with an honest read on where you stand.
2
Your plan takes shape
Planning clients choose a plan on the call, and it starts with your tax return. Wealth management clients come back for an Analysis Call, where we show you what we found and what doing it right looks like.
3
The ongoing work
Planning brings a planning calendar, monthly check-ins, a yearly tax and portfolio review, and direct text and email. Wealth management adds regular meetings and a portfolio managed as life changes.
Every family works with Nasar and Samee. A plan runs for decades, so the people who know yours should be there for all of it.
We're selective about fit.
Fit usually means a household that earns well, pays real tax, and has decisions where the timing matters: a clinician's peak earning years, an equity payout, a business exit, the last paycheck. Every family works with both of us.
Go deeper
- The Asset Location Junk Drawer: How Pre-Retirees Lose Money to the Wrong Accounts →
- Continuity of Care: The Question to Ask Every Advisor You Interview →
- Grafting: How Roth Conversions and Tax-Loss Harvesting Work Together →
- Tax-Location Alpha: What the Wrong Account Wrapper Costs Over 30 Years →
- The Sporos Client Review Cadence: Why Annual Is the Wrong Default →
- All wealth strategies →
If this is how you think about money, let's talk.
Start with a 30-minute Discovery Call. If it's a fit, you'll know. If it isn't, we'll tell you.
Or text us at (949) 259-5420 and we'll reply when you're free.
The information provided is for educational purposes only and does not constitute investment, legal, or tax advice. All investing involves risk, including the potential loss of principal. No strategy assures a profit or protects against a loss. Consult with a qualified financial professional before making financial decisions. Fee schedules and plan prices are described in full on our pricing page and in your advisory agreement.