Three founders. One integrated strategy. Income planning, tax optimization, investment management, legacy planning, healthcare, and financial education — built around the life you envision.
Ensemble Private Wealth was founded on a single conviction: the families who need genuine financial guidance most are often served least. Three founders — each a specialist, spanning wealth management and insurance — work in complete alignment around your financial life.
We don't manage accounts. We manage relationships. Client assets are held safely at Fidelity Investments and Charles Schwab — two of the most trusted custodial institutions in the country — giving you the security of institutional-grade safekeeping alongside the personalized service of our boutique practice.
No single discipline works in isolation. Tax decisions affect investment returns. Investment choices affect estate outcomes. Healthcare costs affect retirement income. We model every dimension simultaneously — every recommendation made in context, never in a silo.
A Roth conversion that ignores Medicare premiums costs you thousands.
Converting a traditional IRA triggers income that can raise your Medicare Part B premiums for two years via IRMAA surcharges. We model this before any recommendation.
A Social Security decision without an income map is a guess.
Delaying Social Security grows your benefit 8% per year to age 70 — but the right timing depends on your health, spouse's benefit, tax bracket, and withdrawal rate. We run the full model.
Traditional portfolios force a trade-off: accept stock-market volatility for growth, or settle for bond-like yields with little upside. Part of our investment planning work is identifying vehicles that break that trade-off — instruments offering equity-like return potential with more clearly defined downside protection.
The chart alongside shows how we evaluate one such category — structured income notes — against traditional stocks and bonds on a risk/return basis, as part of a broader diversified strategy.
We use powerful, interactive planning tools to bring clarity to complexity. Our platform of choice is RightCapital — an industry-leading planning software that lets us model your retirement income, taxes, investments, and estate in real time, together.
RightCapital puts your complete financial picture on one screen, so every recommendation we make is backed by data you can see, understand, and trust. No black boxes. No guesswork.
Through your personal client portal, you can log in anytime to review your plan, track progress toward your goals, and explore "what-if" scenarios — giving you control and visibility 24 hours a day.
Request a Planning DemoOur four-phase process ensures every client arrives at strategy through understanding — never the other way around.
Each founder brings a distinct role and area of expertise. Hobie and Jonathan founded Ensemble Private Wealth; Michael founded Ensemble Insurance Services. Together they cover every dimension of your financial life — and all three are engaged from day one.
Schedule a complimentary 60-minute call with all three founders. We'll listen to where you are, where you want to go, and whether we're the right team to get you there. No obligation — ever.
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"We don't manage accounts. We manage relationships."Ensemble Private Wealth
