Dan Moore

I pursued a finance degree with a focus on real estate and financial planning for my bachelor’s. I had always been focused and interested in financial education since I grew up in a community that had never been afforded any form of formal (or informal) education on financial planning concepts or investments. Witnessing firsthand the consequences of financial missteps, I was driven to educate myself and my community. Closing the gap in financial literacy has been the cornerstone of my career. Sharing my expertise, I strive to help others reach their financial goals and steer clear of common pitfalls.

With over 13 years of experience as a financial advisor, I've worked for TIAA and Fidelity, handling diverse financial planning scenarios and honing my skills in high-net-worth asset management. I also hold a CFP® designation.

Retirement planning, financial management, estate and legacy planning, tax-efficient investing, business exit or succession plans, charitable giving strategies, retirement transition and income planning, portfolio allocation and investment strategies, as well as inheritance management and planning.

My current clientele primarily consists of university professors, physicians, and their families, many of whom are approaching retirement age or within 5-10 years of it. Additionally, I collaborate with small business owners, providing assistance with succession planning and exit strategies. I also have been working with those that are just starting out in the medical field who are looking for how to navigate their debt and financial management challenges.

I can work with clients with just about any style of portfolio or strategy and help them to calibrate it so it is in line with their financial goals. This can be simple mutual funds and ETFs, direct indexing or SMAs, or even insurance based strategies utilizing life insurance or annuities.

I follow a four-step approach that begins with deeply understanding my clients and their families to grasp their financial goals. It's crucial for me to comprehend their desires, needs, comfort levels, and risk tolerance. I want to identify any possible gaps in their financial strategy, covering obvious areas like asset allocation and less obvious ones such as succession planning. Moreover, in the event something happens to a client, does their spouse know how the bills are going to be paid. 

For instance, if one spouse is hospitalized after an accident and typically manages all the bills, the other spouse might be left unaware of upcoming payments. Many individuals receive their water bill electronically; without access or authorization to view the account, the spouse may remain unaware of the imminent due date until the utility company threatens disconnection. It's crucial to establish a comprehensive plan to address potential incapacity, short and long-term retirement income needs, as well as optimize asset allocation, location, and tax efficiency.

From there the second step is to collaborate with them to craft a financial plan that highlights their progress towards their goals as well as identifies any potential red flags. We’ll take the time to go through the plan in detail stopping to discuss strengths and potential risk factors as well as considerations on how to address.  

The third step is taking the plan and moving it into actionable items as I’ll work closely to ensure a seamless transition and implement the strategies we agreed upon that will help them achieve or stay on track with their goals. 

The final step is ongoing monitoring, maintenance, reviews and adjustments as this financial planning process is fluid and adaptable. We want to make sure that we adjust to their changing goals and needs and ensure the plan implemented is still the best way to achieve their financial objectives. This can also involve incorporating family members, trusted professionals such as CPA or estate planning attorney, to make sure we are addressing long term goals of succession planning and doing so in the most tax efficient way possible.

For those that are approaching retirement; I have helped many people transition into retirement and have an expertise in how to modify a portfolio from accumulation and savings to tax efficient income generation and risk management. Our relationship does not end when you retire and I will continue to work with you to ensure that your portfolio is meeting your financial needs both in the short and long-term.

I love hearing about my clients goals and what accomplishing their financial priorities does for them and their family. One of the best feelings is taking something that is conceptual on paper and helping a client to realize it. For example, Planning for retirement and then actually retiring.  Going from “maybe I can retire someday” in our first meeting to “I retire tomorrow” is something I have helped many clients do in my career and is just as fulfilling and exciting every time.

What brought me to Savvy is the technology and ability to truly customize client portfolios to fit their unique financial goals. Eliminating a lot of the back office headaches I was experiencing through state of the art, secure technology so I can spend more of my time doing what I love most, working with my clients on their financial goals and updating on market conditions.  

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