A boutique wealth advisory firm focused on optimized, tax‑efficient income, wealth protection, and legacy design.
Our First Principles approach aligns your wealth with what matters most to you.
Guard your income from volatile markets
Taking withdrawals by selling investments can wreck your portfolio. The Portfolio Waterfall flows capital gains, dividends, and interest payments into a cash account for withdrawals.
Position your portfolio for more growth opportunities
By not selling shares for income, the Portfolio Waterfall positions you for more growth when markets recover.
Reduce the risk of running out of money
The Portfolio Waterfall increases its ability to provide income as markets correct, unlike conventional portfolios.
A new life is discovered when money flows across your portfolio creating a waterfall effect.
Annual Income Withdrawal Amounts
I grew up in a family that knew both the cost of loss and the value of legacy.
My parents fled Cuba after it fell to communism—leaving behind their home, their livelihoods, and the chance to ever see their parents again. They rebuilt their lives from nothing, in a country that promised freedom but offered no guarantees.
Watching them start over taught me two things: that wealth is fragile without protection, and that legacy is about far more than money—it’s about honoring the sacrifices that came before you.
From a young age, I was fascinated by the financial markets—the way they could build, preserve, or erase fortunes depending on knowledge and discipline. When I chose to serve the public as a financial advisor, it wasn’t just a career decision—it was a calling born from my family’s history.
My mission became clear: to help ensure that no family I serve would ever experience the kind of catastrophic loss my parents endured. That’s why Arrival Point Financial exists—to help people safeguard what they’ve built, design the legacies they envision, and find the peace of knowing their future is secure.
I believe retirement can be the most meaningful chapter of a person’s life—a time when your story, your values, and your legacy can truly come alive. Every client I work with has a story worth preserving, and by freeing them from the financial worries and costly mistakes that often define retirement, they are empowered to craft a life that reflects their dreams, goals, and aspirations.
For me, that’s what legacy is all about: not just leaving something behind, but living fully today—secure, confident, and with purpose.

Tailored planning for reliable income today, an empowered retirement, and legacy tomorrow.
Social Security timing
Retirement income maximization
Tax-aware rebalancing
Roth Conversion scheduling
NIIT & IRMAA plannng
RMD optimization
Charitable Trust guidance
Estate flowchart
Gifting playbook
Customized financial planning
Risk guardrails
low complexity, high clarity
Income riders explained
IUL stress tests
Long Term Care strategies
Rental income transitioning
Small Business transition planning
Education planning
Get a concise, plain-English checklist to avoid common tax and withrawal pitfalls. We'll send the PDF instantly.
Tax bracket management & Roth conversion timing
NIIT & IRMAA thresholds that catch retirees off guard
Withdrawal sequencing that protects principle
Simple rules. Transparent math. Regular check-ins. We implement, monitor, and adjust so you can live your plan.
Discover
Map goals, income needs, taxes, and aspirations.
Design
Craft the tools the deliver your ideal retirement.
Deploy
Transition accounts, set guardrails, automate income.
Review
Quarterly tune-ups, annual tax review, and life-event adjustments.
A simple, yet powerful, financial plan that you can actually understand and share with your family.
The foundation of an empowered retirement is a usable financial plan. Crafting a plan that fits your priorities is our priority one.
We build a custom Asset-Map report for all of our clients and use it throughout our interactions to make sense of priorities and intentions, as well as identify gaps and areas of risk.
It takes just 15 minutes to get started.
Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Arrival Point Financial LLC is not in the business of providing tax advice. Consult a professional tax advisor before implementing any investment strategy.
Securities and Investment Advisory Services offered through Simplicity Investments. Securities Dealer, Member FINRA/SIPC; TLG Advisors, Inc. Registered Investment Advisor; 475 Springfield Ave, Summit, NJ 07901 (303) 797-9080. Arrival Point Financial LLC is not affiliated with Simplicity Investments.
Ready when you are. Book a 15-minute introductory call.
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