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Your partner in wealth and wellbeing.

Coordinated financial guidance that brings every part of your financial life together.

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Helping You Protect What You’ve Built and Use It Well

Building wealth and using it are two different skills, and the industry is much better at the first one. Somewhere in your forties the questions start to change. How long will this last? What will taxes take? When can I step back? What happens to the business? What gets left behind, and for whom?

Those questions don’t sit in separate boxes, and they shouldn’t be answered by separate people. Functional Finance is how I keep them together: retirement income, tax strategy, investments, exit and estate planning, handled by one advisor who sees how each decision moves the others.

The goal is simple. One advisor who sees the whole picture, so you only have to tell your story once.

Meet Amy Million

Meet Amy Million

I didn’t design Million Wealth Management. I paid attention.

Over two decades I noticed why my longtime clients actually called. It was rarely about an investment. It was a health scare that moved retirement up several years. Burnout. A layoff. A parent or a spouse, even a child, who suddenly needed caring for. Something had gone sideways, and underneath every one of those calls was the same question.

Am I going to run out of money?

That’s the question they ask. The one underneath it is usually simpler. Am I going to be okay?

Nobody else could answer it, because nobody else could see all of it. So that’s what I built. The connector, the conscience, the guardrail. The partner they were missing. When a couple hires me, they’re choosing me together, and the one who handles the money is usually also choosing someone to look after the one who doesn’t. When that day comes, she isn’t meeting her advisor for the first time. She’s calling the person who already knows everything.

Think of it like a primary care doctor, but for your money. I coordinate the moving pieces and work alongside your CPA, your attorney, and anyone else in your corner, so your plan holds together instead of living in four separate offices.

You May Be In The Right Place If...

  • You’ve done the saving, and now you need to know how to actually pay yourself.
  • You own a business, and you’re thinking about stepping back, what it’s worth, and how that fits the rest of your plan.
  • One of you handles the money, and you want someone who already knows the whole picture if that ever changes.
  • Your estate plan and your financial plan have never been in the same room.
  • Your divorce is final, you have a settlement, and it needs to become a life.
  • You’re facing widowhood, caregiving, or an inheritance and want to slow down before deciding.
  • You’d rather have a long relationship over a transaction.

Some meetings work beautifully by Zoom. Others happen over coffee, at breakfast, or around your kitchen table. The most important financial conversations don’t happen from behind a desk.

How We Work Together

A plan, advice, or ongoing management. Start wherever you are.

Financial Planning

Financial Planning

A complete written plan at a flat fee you know before we start. Cash flow, retirement income, investments, insurance, tax and estate planning in one document. Yours to keep whether or not you ever move an account.

Wealth Consulting

Wealth Consulting

For complicated situations that need judgment more than products. Business ownership and exit, concentrated positions, succession, charitable giving, estate and legacy. I advise, you implement.

Wealth Management

Wealth Management

Ongoing investment management coordinated with your plan and your income. The distribution work: withdrawal sequencing, Social Security timing, Roth conversions, required distributions, and making sure what’s left transfers the way you intended.

Two things in life are certain. We plan for both. No matter which door you come through, tax and estate strategy come with it.

Schedule a Discovery Call

Questions This Work Can Help Answer

What happens during a discovery call?

A discovery call is simply a conversation. We will talk about where you are today, what is on your mind, and what you are hoping to accomplish. If we are a good fit, we will talk about next steps. If not, you will still leave with greater clarity about your unique situation.

Can I work with a financial advisor if I do not have millions of dollars?

Yes. Financial planning is often most valuable during periods of growth, transition, and decision-making, not just after you have accumulated significant wealth. If you are making important financial decisions and want guidance that looks at the whole picture, a discovery call is a good place to start.

I think I have enough for retirement, but how do I actually pay myself and not run out of money?

Building wealth and creating retirement income are two different challenges. Together, we look at your income sources, investment accounts, taxes, Social Security, required distributions, and spending needs to create a strategy for turning your savings into a sustainable paycheck.

What if I do not want a traditional retirement?

Many women are not looking to simply stop working. They are looking to redefine life on their own terms. Retirement may mean shifting into consulting, selling a business, working less, traveling more, helping family, pursuing creative work, or finally having the freedom to choose what comes next. I help clients design the financial strategy behind that next chapter.

I'm starting to think about exiting my business. Where does that fit?

Right in the middle of everything else. Your exit is a tax event, a retirement income event, and an estate event at the same time, and it usually gets planned as though it’s only a business decision. We look at valuation, timing, deal structure, what the proceeds have to fund, and what you’ll actually keep.

I inherited money after caring for a parent. Now what?

An inheritance can bring relief, grief, responsibility, and pressure all at the same time, especially when it comes after years of caregiving. I help clients slow down, organize what they have, understand tax and investment considerations, and create a plan for using the money wisely without feeling rushed into decisions.

Can you help me integrate my business planning and exit strategy with my personal financial planning?

Absolutely. For many business owners, the biggest financial decisions are not happening inside an investment account, they are happening inside the business. Compensation, taxes, retirement contributions, cash flow, succession planning, business growth, and exit strategy all affect your personal financial life. I help clients look at both sides together so business decisions support personal goals and personal goals inform business strategy.

My husband handles all of our finances. Why would I come to a meeting?

Because the plan has to work for both of you, and one day it may have to work for just one. Clients who sit in together give me a picture of the whole household, not half of it. If something happens to either of you, the other one isn’t learning the accounts, the passwords, and the strategy for the first time in the middle of a funeral.

How do taxes affect my retirement income strategy?

Taxes can have a significant impact on how much retirement income you actually keep. Decisions about withdrawals, Roth conversions, Social Security timing, required distributions, charitable giving, and account sequencing should be coordinated with your overall financial plan. A thoughtful tax strategy can help reduce surprises and support better long-term decisions.

How do I coordinate my investments, taxes, and financial plan?

These decisions should not happen in isolation. Investments affect taxes, taxes affect cash flow, and cash flow affects your ability to reach long-term goals. Functional Finance is about making sure every part of your financial life works together.

I received a divorce settlement. How I make sure it lasts?

A divorce settlement is not just a number on paper. It has to support your real life. We look at cash flow, taxes, investment strategy, housing, retirement income, insurance, and long-term needs so you can understand what your settlement can do, what it cannot do, and how to move forward with clarity.

Let’s talk about what’s actually on your mind.

Let’s talk about what’s actually on your mind.

One conversation about where you are, where you’re going, and whether this is the right fit.

No box required.