Financial planning for what's next
Rooted in patience. Moving with purpose.
Clear, honest advice for young professionals and growing families, so you always know where you stand and where you are headed.
Our approach
Wealth with roots, plans that move
01
Start with your life
Your career, your family, the home you want, the trips you keep putting off. The plan starts there, not with a product.
02
Explain everything
Every recommendation comes with the why, in plain English. If something is unclear, that is on us to fix.
03
Keep it moving
Life changes, so your plan does too. We check in regularly and adjust before small things become big ones.
How we invest
Built around outcomes, not forecasts
Most portfolios start with a risk questionnaire and a guess about future returns. We start with what your money has to do, and when.
Living expenses, the down payment, tuition. Matched with high-quality bonds and cash timed to when you will need them, so one bad market year can't derail them.
Travel, an earlier retirement, the upgrades. A balanced mix with time to recover from a downturn.
Legacy, giving, the dream property. Invested for long-term growth, because this money has decades to work.
Why not just use a risk score?
A questionnaire measures how you feel about risk on the day you fill it out. Monte Carlo simulations depend on return assumptions no one can know. Matching your money to your real obligations means the plan holds up without needing a forecast to be right.
The same approach family offices use
This is the total-wealth, liability-driven strategy I used with multi-family office clients, built on Libretto's planning platform, which I've used for years. Now it is available to young professionals and families, not just the ultra-wealthy.
Explore the research behind it on Libretto's Insights page →
No strategy eliminates risk. Matching investments to goals can reduce, but not remove, the chance of falling short.
Services
Everything your money touches
One relationship that connects the pieces most people handle separately.
Financial planning
Cash flow, savings goals, and a clear picture of how today's choices shape the next ten years.
Investment management
Diversified, low-cost portfolios built around your goals and your comfort with risk.
Equity comp & taxes
RSUs, ESPPs, and stock options, with a plan for when to hold, when to sell, and what it means at tax time.
Home & big decisions
Buying a home, paying down debt, or changing jobs. Run the numbers before you commit.
Family & education
529 plans, childcare costs, and making room for a growing family without losing sight of retirement.
Protection & estate
Insurance, beneficiaries, and the basic estate documents every family needs, coordinated with your attorney.
How it works
Four steps, no pressure
Intro call
A free 20-minute conversation to see whether we are a good fit.
Discovery
We learn your goals, your numbers, and what keeps you up at night.
Your plan
A clear written plan with priorities, trade-offs, and next steps.
Ongoing
Regular check-ins, a quarterly report you can actually read, and a call whenever life changes.
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About
Hi, I'm Keaton
I'm a CFP® professional and a self-described financial planning nerd. I started Cedar and Current to give young professionals and families the kind of thoughtful, personal advice that usually goes to people much further along.
Before starting the firm, I spent years as a client advisor at a Seattle multi-family office, leading financial planning and working with families on everything from equity compensation to estate plans.
Outside of work you'll find me sailing, skiing, or planning the next trip up the coast.
Let's talk
See if we're a good fit
A free, no-pressure 20-minute call. Bring your questions; leave with a clearer picture.