Why We Built Money Tree Strategies

Money Tree Strategies was born out of a frustration we kept seeing — even among successful, high-income professionals with strong balances and solid advisors.

On paper, everything looked fine. Accounts were diversified. Projections were positive. But when we looked deeper, one question kept coming up:

How much of this may you actually be able to keep — and influence — in retirement?

While working in tax and compliance, we saw a pattern most traditional planning overlooked. People were accumulating wealth, but very few were intentionally designing for what happens when income replaces paychecks — when taxes, required distributions, Medicare rules, and timing decisions increasingly shape outcomes.

That disconnect became our turning point.

Money Tree Strategies was built specifically to address the phase most plans don’t truly design for: the shift from accumulation to distribution.

Today, we help clients coordinate cash flow, tax strategy, protection, and income design — not as isolated decisions, but as a system. Our work focuses on helping people make proactive choices around taxes, income timing, and legacy before those decisions become more constrained.

We use education, modeling, and advanced planning tools — including insurance-based strategies — not as products, but as instruments intended to support flexibility, tax-aware planning, and long-term decision-making.

Like a tree, lasting financial growth depends on strong roots. We believe those roots are clarity, coordination, and intentional design. Our mission is to help clients move from fragmented decisions to a cohesive strategy — so they can approach retirement with greater confidence, flexibility, and a clearer understanding of their potential after-tax outcomes.