The first generation of wealth starts with someone like you.
No inherited playbook or family advisor on speed dial. Just years of hard work that built something worth protecting, and a family counting on you to get it right.
Families preparing for retirement
From decades of building to a confident yes.
After decades of building, the question changes: can I actually afford to stop? We turn what you've built into reliable income and a confident yes, with a plan for the years after the paychecks.
The final stretch
The last working years, when the biggest decisions quietly get made.
The transition
The paycheck stops, and "can we actually afford this?" becomes a real question.
Through retirement
Decades of withdrawals, each one with a tax consequence.
Legacy
What you built should land where you intend it to.
Free guide
The Investably Guide for Families Preparing for Retirement
The stages above in depth: what to watch for, what to do, and when.
What every client relationship includes.
Whichever chapter you're in, the foundation is the same.
Michelle, personally
You work directly with Michelle, not a rotating team. She gets into the details with you and works through every decision together.
One integrated plan
Tax, investments, estate, business, retirement, and real estate treated as one conversation, so every decision supports the whole.
Tax-smart planning
Year-round planning coordinated with your CPA, so opportunities are found before the window closes, not after.
Quarterly sessions
We meet every quarter to review what's changed and adjust proactively, and we're responsive in between when life doesn't wait.
A foundation of protection
The right structures and coverage across your family and your assets, so a single unexpected event doesn't unravel your plans.
Fee-only fiduciary advice
Paid only by you and legally bound to act in your best interest. The advice has no other agenda.
A trusted fiduciary.
Credentials, not claims. Every one of these is public record.
AIF®
Accredited Investment Fiduciary. Your interest first, by law
20+ yrs
Institutional investment experience, NYU graduate
STEVIE®
Award-winning financial professional
Fee-only
Independent RIA, paid only by clients
Weekly guest on Comercio TV.
Michelle shares financial insights every week on the only 24/7 Spanish-language financial news channel, broadcast nationally and internationally. Watch her segments →
Wondering if this is for you?
The honest questions people ask before their first call.
Is Investably right for someone like me?
If you're building first-generation wealth — a business, a strong income, a transition you didn't choose — and your financial life has outgrown one-off advice, you're who this firm was built for. The 30-minute call exists to answer exactly this question, honestly.
I've never worked with an advisor before. What's the first step?
A 30-minute conversation — no pitch, no jargon, no obligation. If it feels like a fit, we begin with a comprehensive discovery of your full financial picture before a single recommendation is made.
I'd rather hand this off to a professional than manage it myself. Is that how you work?
That's exactly how we work. Clients delegate to Michelle the way they'd delegate to a trusted operator: she implements, monitors, and evolves the plan, meets with you quarterly, and stays responsive in between. You stay informed and in control of the decisions — without carrying the day-to-day.
My financial life is scattered across accounts, advisors, and old plans. Is it too messy?
Scattered is the normal starting point. Discovery is built to gather the pieces — accounts, taxes, business interests, estate documents — into one picture, and the plan brings them into one integrated strategy.
Do you work with women navigating divorce or widowhood?
Yes — it's a specialty. Over the years Michelle has seen how women face a distinct set of financial realities: longer lifespans, wage gaps, caregiving costs, and the financial aftermath of divorce or loss. These are real, quantifiable risks that demand a specialized approach, and she's guided women through divorce, widowhood, inheritance, and business sales with clarity, confidence, and care.
What if I'm not ready to make changes yet?
Then a conversation is still the right first step. We'll listen, tell you honestly where you stand, and you'll leave knowing what matters and when. No obligation, and no pressure to act before you're ready.
What challenges do clients usually come to you with?
Most arrive at a pivotal moment: a business or real estate sale, a large liquidity or compensation event, an inheritance, the decade before retirement, or a divorce or loss that suddenly puts complex decisions in their hands. What they share is a financial life that's grown too complex to manage in pieces — and the wish for one trusted advisor connecting investments, taxes, estate, and business into a single plan.
Wealth with intention starts with a conversation.
Bring your questions, challenges, and goals. We'll listen and provide insight on what your options are for moving forward.