Ready for a more integrated approach to financial planning?
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You’ve worked hard to build what you have. As your wealth grows, so does complexity. Holistic financial planning brings investment strategy, tax planning, retirement planning, cash flow, and other key decisions together into one coordinated plan. The result is greater clarity, confidence, and smarter decisions across your entire financial life.
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Core Services
Tax Planning
Proactive tax planning designed to reduce lifetime tax exposure and improve after tax outcomes. Strategies are coordinated alongside your investments, income, and long term goals to support smarter financial decisions year round.
Retirement Planning
Comprehensive retirement planning focused on creating reliable income and long term security. We evaluate savings strategies, withdrawal planning, and key decision points to help you transition confidently into retirement.
Investment & Portfolio Management
Investments are designed around your goals, time horizon, and risk profile. Portfolios are built using cost conscious, tax aware strategies and may incorporate both traditional investments and alternative assets, such as real estate, when appropriate.
Additional Planning Considerations
​Guidance across planning areas that support your overall financial strategy. This may include cash flow planning, insurance coverage review, estate planning coordination, and other financial decisions that naturally arise as your financial life evolves.
What to expect when you partner with us
Step 1: Discovery & Alignment
A short introductory call followed by a deeper conversation to understand your goals and financial picture.
Step 3: Ongoing Planning​
Thoughtful planning throughout the year, with focus areas that evolve with every season.
Step 2: Strategy & Financial Plan
We bring everything together into a clear, cohesive plan to guide decisions
Guidance & Decision Support
Year round guidance and decision support as questions and opportunities arise.
About
Kendall Maccagnan, CPA, CFP®
Founder of Off the Bay Wealth
Welcome! My name is Kendall Maccagnan and I am a fee-only financial planner. Before my career in financial planning, I spent over eight years working as a CPA in both public accounting and private industry. I have a deep passion for personal finance and find the greatest fulfillment in serving my community and seeing the direct impact thoughtful planning can have on people’s lives.
