Where Research Meets Retirement
Your advisor talks about returns. That’s the part everyone’s already watching.
We handle that too. The harder part, the part that actually decides your retirement, is the taxes, the timing, and making your money last.
InnoSight Financial. A boutique retirement planning firm for people who want more than a portfolio manager.
Book a conversationOur approach
The hard part of retirement isn’t picking investments. It’s everything around them.
When you turn on Social Security. Which account you draw from first, and what that does to your tax bill for the next twenty years. How to keep a bad couple of years in the market from doing permanent damage. How to make your money support the life you want, instead of sitting in an account growing.
That’s the work InnoSight was built to do. Most of it lives in the space between your CPA and your portfolio, and it’s where the biggest decisions of your retirement get made.
The number that matters
The number that matters isn’t your return.
Most people watch their returns. The number that actually decides your retirement is how much you can afford to lose.
The math of a loss is brutal. You can spend thirty years building it and hand back a third in one bad year.
So the question isn’t “what should I buy.” It’s “how much risk am I comfortable living with, and does what I own actually match that?” Most people have never put a number on it.
The right tool for the job
One tool can’t fix everything.
Here’s the problem with most advisors: they carry one tool. The investment-only advisor turns your retirement into an investment problem. The insurance-only advisor turns it into an insurance problem. When all you have is a hammer, everything looks like a nail.
We carry the whole toolkit, so we start with your situation and fit the tool to the job, not the other way around. Whatever we recommend, we show you why it fits and how we’re paid.
On the advisory side, we serve as a fee-based fiduciary: your interests come first. Whatever we recommend, we show you exactly how we are paid, on both sides of the house.
How we help
More than a portfolio manager.
The taxes, the timing, and making your money last. We handle the parts of retirement where the biggest decisions get made, together, not in silos.
Retirement income planning
Where your income actually comes from. Most people retire with a pile of accounts and no plan that turns them into a paycheck. We map exactly where your income comes from, year by year, and pressure-test it against a bad market before you rely on it.
Forward tax planning
The part your CPA was never hired to do. Your CPA files what already happened. We plan the years ahead: which account to draw from first, when to convert, how to manage the brackets and Medicare thresholds. The aim is to keep more of what you already earned, on purpose.
A thinking partner
Not a salesperson. The biggest risk to a good plan is usually a human reaction in a bad year. We are the call you make before the move you would regret, and the ones who keep the whole picture in view when life changes.
Investment management
Built for the seller you are about to become. The way you invested to build wealth is not the way to live off it. We manage your portfolio to protect the income and the early years you cannot afford to gamble, and stay invested for growth above that line.
How we work together
The InnoSight Method.
Diagnose
We start with your whole picture, not a product. Your income, your taxes, your goals, the risks you’re carrying. The way a scientist works a problem: understand the whole thing before proposing anything.
Design
We build a plan across all four areas, show you the trade-offs in plain language, and make sure you understand the why behind every recommendation.
Walk it with you
A plan isn’t a one-time document. Markets move, laws change, life changes. We adjust, and we’re here for the decisions as they come.
Who we work with
Built for a few people, not everyone.
People approaching or in retirement who want more than a portfolio manager: a plan for income, taxes, and the life they’re retiring into.
Business owners whose CPA handles compliance, but no one is planning the bigger tax and retirement picture.
Executives moving into a new chapter, consulting, coaching, or a second act, who need their finances to keep up with the change.
Mandarin-speaking families navigating retirement and wealth in a system that works differently from the one they grew up in.
Meet Jun
InnoSight is built around one person’s obsession, so let me introduce myself.
I didn’t come to this work from finance. I came to it from two moments I couldn’t shake.
The first: I watched my PhD advisor lose half his retirement in 2008. His hair turned white. His posture collapsed. Nobody had prepared him for it, and nobody was there to talk him through it.
The second: I came home from a business trip, and my daughter ran into my arms and told me all about her day. I didn’t recognize a single name she mentioned. I was a Fortune 500 VP building products generating half a billion in revenue, and I was missing the thing I was working for.
So I left, and I built InnoSight. The work is “Where Research Meets Retirement.” I mean it.
What I bring to your plan
- A scientist’s training (PhD, Rutgers). Evidence over opinion, and a habit of digging until the real problem shows itself.
- The planning credential (CFP). The technical standard for doing financial planning right.
- A coaching certification (Columbia). The research is clear that the biggest threat to your retirement is often your own behavior in a bad year. I’m trained for that, not winging it.
- A business operator’s lens (Wharton MBA, plus a decade of building and running research and development organizations).
- English and Mandarin, which lets me serve families most advisors can’t.
And I’m probably not your person if all you want is someone to beat the market. If you want someone to look at the whole picture and help you make the big decisions well, that’s exactly what I do.
Why InnoSight
The evidence agrees with where we spend our time.
Vanguard, Morningstar, and Envestnet have each studied what good financial advice is worth. Three firms, three separate studies, the same conclusion: most of the value comes from the planning around your investments. The tax decisions. The timing. The steadiness to stay the course through a hard year. That’s the work we care about most.
We write about this every week. A few to start with:
What a first conversation looks like
30 minutes. No pitch.
It’s a conversation, not a pitch. 30 minutes. You tell us what’s on your mind. We ask questions and dig in before offering a single recommendation.
You will not hear about a product. You won’t be asked to commit to anything. The goal: you leave knowing at least one thing about your situation you didn’t know walking in. If it’s a fit to keep talking, we will. If not, you’re better off for the conversation either way.
Ready when you are.
Book a conversationThirty minutes on where you stand. Bring one question, and we start there.