Integrated Financial Planning

The first two specialty practices focus on specific trigger moments. Integrated financial planning is the through-line that holds them together — the coordination of investment management, tax strategy, estate planning, retirement modeling, and family transfers across the long arc of an executive career.

For Lake House clients, integrated planning typically includes:

Investment management: — Tax-coordinated portfolio construction (asset location, not just asset allocation) — Direct indexing for concentrated stock diversification — Alternative investments for qualified clients (private credit, secondaries, real estate) — Institutional-grade reporting through Schwab and Fidelity custody

Tax strategy: — Multi-year tax projections accounting for equity comp events — Roth conversion sequencing across pre-retirement years — Charitable strategy (DAFs, CRTs, charitable lead trusts) — Year-end tax-loss harvesting and rebalancing

Estate and family transfer: — Coordination with estate attorney on trust structures — Lifetime gift strategy ahead of exemption sunsets — GST planning and dynasty trust funding — Beneficiary review across all account types

Retirement and wind-down modeling: — Multi-scenario Monte Carlo modeling — Deferred compensation distribution sequencing — Healthcare bridge planning (60–65 coverage gap) — Social Security claiming strategy in the executive context

Where this work usually goes wrong: Most executives have an advisor running investments, a CPA doing taxes, an attorney drafting documents — and no one coordinating across all three. Lake House isn't trying to replace those professionals. We coordinate them, so the plan executes as one strategy instead of three parallel ones.