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Your Advisory Team
Kevin Roche, CFP®, helps professors and healthcare professionals turn complex pensions and taxes into clear, confident retirement plans. As a fiduciary advisor, Kevin provides holistic financial planning that puts your interests first. After years advising at institutions like USF, Stanford, UCSF, and WestEd, Kevin specializes in decoding the fine print of 403(b), 401(a), and pension contracts, including fixed annuities, guaranteed accounts, and TIAA Traditional, identifying what's liquid, what's locked, and when in-service rollovers make sense after 59½.
His planning incorporates taxes into holistic financial planning, including cash flow planning, multi-year tax bracket strategies, Social Security timing, and minimizing lifetime tax and income drag. He helps coordinate Social Security and RMDs, and timing Roth conversions to maximize lifetime after-tax income, not just this year's refund. As a fiduciary, Kevin is committed to acting in your best interests. Provides tax-aware planning; not a CPA/tax advisor. Consult a CPA for tax filing. If you're an academic or clinician considering a move, retiring soon, or simply unsure what your pension contract means, Kevin will translate your statement into a step-by-step strategy and align your investments to it.
Will Gilmore brings institutional-grade investment management to individual clients. He follows a Warren Buffett–inspired value philosophy, informed by study under a Buffett protege and the Graham-and-Dodd tradition from Columbia. Will applies this approach pragmatically, including selective growth positions when fundamentals justify.
His disciplined, value-driven approach emphasizes tax-efficient security selection and evidence-based portfolio construction. Will works closely with clients to understand their risk tolerance and financial objectives, creating portfolios that weather market cycles while capturing long-term growth opportunities.
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