It turns out that time, money, and joy are always intertwined—and often in tension. Time and money are limited and measurable. Joy is harder to pin down, but it’s what makes life worth living. So how do you bring them together in balance?

Taxes matter. They’re not just a springtime headache or a footnote on your brokerage statement. They are a pervasive force, shaping how your wealth grows, how your income flows, and what legacy you leave behind. And yet, too often, tax planning is siloed—treated as a reactive task for your accountant rather than a proactive component of your financial strategy.

Professor Glenn Frank outlines a five-step process for creating a customized portfolio to meet your unique needs and goals, providing cash flow that lasts as long as you do. Both Glenn and his partner Dan Flanagan have been using this approach for decades.