Mikhail Josephson
Certified Financial Strategist
Mikhail Josephson is a certified financial strategist with over 15 years of experience in the financial planning industry. He specializes in retirement planning, sustainable investing, and tax optimization. His client-centric approach combines technical expertise with clear communication, delivering practical financial solutions that align with clients' values and objectives.
With a background in investment management and retirement planning, Mikhail brings a comprehensive understanding of modern financial strategies to help clients navigate complex financial decisions and build lasting wealth.
Key Promises
Maximum Fee Cap Guarantee
100% keptI promise my total annual advisory fees will never exceed 1.25% of assets under management, with a detailed fee breakdown provided quarterly showing exact dollar amounts.
- Quarterly fee reports with calculations
- Account statement reconciliation
- Refund records for any excess charges
Portfolio Rebalancing Precision
96% keptI promise to rebalance portfolios within 10 business days whenever any asset class deviates more than 5% from its target allocation, with a detailed rebalancing report provided.
- Asset allocation deviation alerts
- Trade confirmation records
- Before/after allocation comparison reports
Conflict of Interest Pre-Disclosure
98% keptI promise to proactively disclose all potential conflicts of interest in writing at least 7 days before recommending any product that generates commissions or referral fees.
- Dated disclosure forms
- Fee structure comparison to alternatives
- Client acknowledgment receipts
Same-Day Response Guarantee
93% keptI promise to respond to all urgent client communications received during business hours within 4 business hours, or by noon the next business day for after-hours messages.
- Message timestamps
- Response timestamps
- Client acknowledgment surveys
Recent Client Projects
Financial Services
Comprehensive Financial Planning
A holistic approach to your financial life, integrating all aspects of your finances into a coordinated strategy aligned with your goals and values.
Key Features
- Detailed financial analysis and goal prioritization
- Custom financial roadmap with specific action steps
- Quarterly progress reviews and strategy adjustments
- Cash flow optimization and debt management
- Coordination with other professional advisors (CPAs, attorneys)
Ideal For:
Individuals and families seeking clarity and direction across all aspects of their financial lives.
Investment Management & Portfolio Design
Evidence-based investment strategies tailored to your goals, time horizon, and risk tolerance, with a focus on cost-efficiency and tax optimization.
Key Features
- Custom portfolio construction based on academic research
- Systematic rebalancing and tax-loss harvesting
- Detailed performance reporting and analysis
- ESG/sustainable investing options
- Alternative investment evaluation and integration
Ideal For:
Investors looking for a disciplined, transparent approach to growing and preserving wealth.
Retirement Planning & Income Strategies
Comprehensive retirement preparation and sustainable income planning to help ensure financial security throughout your retirement years.
Key Features
- Retirement feasibility and readiness assessment
- Social Security optimization strategies
- Tax-efficient withdrawal sequencing
- Healthcare cost planning and Medicare guidance
- Longevity risk management solutions
Ideal For:
Pre-retirees within 10 years of retirement and retirees seeking to optimize and protect their retirement lifestyle.
Business Owner Services
Specialized planning for entrepreneurs and business owners addressing the unique challenges of building business and personal wealth simultaneously.
Key Features
- Business succession and exit planning
- Key person risk management
- Executive compensation optimization
- Qualified and non-qualified retirement plan design
- Business valuation strategies and preparation
Ideal For:
Business owners looking to maximize the value of their enterprise while building personal financial security.
Estate & Legacy Planning
Strategies to efficiently transfer wealth according to your wishes while minimizing taxes and complications for your heirs.
Key Features
- Estate plan review and coordination
- Wealth transfer strategy development
- Charitable giving optimization
- Family wealth education programs
- Trust service coordination and oversight
Ideal For:
Individuals with complex estates or specific legacy objectives for family and charitable interests.
Tax-Focused Financial Planning
Proactive tax planning strategies integrated throughout your financial life to enhance after-tax outcomes and build wealth more efficiently.
Key Features
- Multi-year tax projection and planning
- Tax-efficient investment strategies
- Roth conversion analysis and implementation
- Charitable giving tax strategies
- Coordination with your tax professional
Ideal For:
High-income professionals and retirees seeking to minimize tax impact across their financial decisions.
Verifiable Financial Promises
Transparency is the foundation of my practice. Below are the specific, measurable promises I make to clients, along with the verification methods used to prove fulfillment.
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All Financial Promises
Maximum Fee Cap Guarantee
100% keptI promise my total annual advisory fees will never exceed 1.25% of assets under management, with a detailed fee breakdown provided quarterly showing exact dollar amounts.
Portfolio Rebalancing Precision
96% keptI promise to rebalance portfolios within 10 business days whenever any asset class deviates more than 5% from its target allocation, with a detailed rebalancing report provided.
Conflict of Interest Pre-Disclosure
98% keptI promise to proactively disclose all potential conflicts of interest in writing at least 7 days before recommending any product that generates commissions or referral fees.
Same-Day Response Guarantee
93% keptI promise to respond to all urgent client communications received during business hours within 4 business hours, or by noon the next business day for after-hours messages.
Tax-Loss Harvesting Threshold
92% keptI promise to implement tax-loss harvesting for any position with unrealized losses exceeding $3,000 or 10% of cost basis within 5 business days of identification.
Retirement Calculation Transparency
97% keptI promise to provide full mathematical transparency for all retirement projections, including exact assumptions for inflation, returns, and longevity, with multiple scenarios based on different market conditions.
Downside Protection Alert
91% keptI promise to contact all clients within 48 hours when their portfolio experiences a drawdown of 10% or more, providing specific recommendations on potential protective actions.
Investment Expense Ratio Ceiling
95% keptI promise that recommended investment portfolios will maintain a weighted average expense ratio below 0.50%, with no individual holding exceeding 0.85% unless specifically requested.
Implementation Deadline Commitment
89% keptI promise to implement all agreed-upon recommendations within 10 business days of receiving signed authorization, with confirmation and documentation of all actions taken.
Verification Methods
Cryptographically signed timestamps verify meeting schedules and document delivery
Independent portfolio performance verification against benchmarks
Secure client sign-off and verification of service delivery
Detailed record-keeping with secure, immutable signatures
About Promise Verification
I use the Agency Protocol verification system that allows clients to independently verify all promises. Each promise has specific, measurable outcomes and transparent verification methods.
Professional Certifications & Credentials
CFP®
CERTIFIED FINANCIAL PLANNER™
Rigorous certification requiring extensive education, examination, experience, and ethics requirements in financial planning.
CIMA®
Certified Investment Management Analyst®
Advanced certification for investment consultants focusing on portfolio construction, risk management, and investment policy.
CPWA®
Certified Private Wealth Advisor®
Advanced credential for wealth advisors working with high-net-worth clients, focusing on wealth management strategies.
Client Success Stories
Retirement Transition Strategy
Healthcare ExecutiveChallenge
Client was 3 years from retirement with insufficient savings, high-interest debt, and uncertainty about healthcare costs in retirement.
Solution
Created an accelerated savings plan, debt consolidation strategy, and healthcare funding approach using HSA maximization and targeted insurance solutions.
Results
- Eliminated $87,000 in high-interest debt within 18 months
- Increased retirement savings rate from 10% to 22% of income
- Established $65,000 healthcare funding reserve before retirement date
- Optimized Social Security claiming strategy for additional $142,000 in lifetime benefits
Key Metrics
"Mikhail's systematic approach turned what seemed like an impossible situation into a clear path to the retirement I wanted. His strategies were practical and achievable, not just theoretical."
Business Succession Planning
Family-owned Manufacturing BusinessChallenge
Third-generation family business with multiple stakeholders needed to transition ownership while preserving family harmony and business continuity.
Solution
Developed a comprehensive succession plan including equitable ownership transition, tax-optimized transfer strategies, and governance framework for future generations.
Results
- Successfully transferred 60% ownership to next generation over 5 years
- Reduced projected estate tax burden by approximately $2.4 million
- Established family governance council with clear decision-making protocols
- Created liquidity for retiring family members without compromising business operations
"The succession plan Mikhail created addressed not just the financial aspects but the emotional and family dynamics that were even more challenging. His approach kept our family united through a complex transition."
Sustainable Portfolio Transformation
Environmental Non-profit FoundationChallenge
Foundation needed to align $12M investment portfolio with their environmental mission while maintaining competitive returns to fund operations.
Solution
Created a phased transition to ESG-focused investments with rigorous impact metrics, utilizing best-in-class screening and thematic investing approaches.
Results
- Reduced portfolio carbon footprint by 72% while maintaining comparable returns
- Implemented positive screening for companies aligned with foundation's specific mission
- Increased allocation to climate solution investments from 5% to 35%
- Developed custom impact measurement dashboard for board reporting
Key Metrics
Financial Domain Expertise
The following diagram shows my areas of expertise and how they relate to each other. Each domain includes specific promises and a track record of fulfillment.
Professional Services
Financial Services
Investment Planning
Retirement Planning
Financial Planning
Ready to secure your financial future?
Get in touch today to schedule a complimentary financial consultation and discover how I can help you achieve your financial goals.